Reward asset and predictability
KAST pays in real USD (1.5% to 3%) plus optional KAST Points. Crypto.com pays in CRO tokens (0% to 5%), and the value of CRO has historically been more volatile than USD. If you do not want your rewards to fluctuate with a token, KAST is the cleaner choice.
Card A — KAST Card
KAST Card is a crypto debit card program that allows users to spend stablecoins anywhere Visa is accepted. Backed by a Series A funding round, KAST positions itself as a bridge between on-chain assets and real-world spending. The card is instantly issued as a virtual card and can be used globally at over 150 million merchants.
Rewards
KAST offers a tiered cashback program in KAST Points:
- Standard Card (Free): 1.5% USD cashback, 2 free cards (virtual or physical)
- Premium Card ($1,000/year): 2% USD cashback + 1% KAST Points, 1 free metal card, Visa Infinite
- Private Card ($10,000/year): 3% USD cashback + 2% KAST Points, 1 free 24k gold-plated card, VIP concierge, Visa Infinite
Cashback appears instantly at the moment a transaction is authorized and is earned in real USD, not points or tokens.
Benefits
- Instant virtual card issuance via Apple Pay and Google Pay.
- Deposit via bank transfer, stablecoins, or crypto with instant conversion to USD.
- Tokenized card numbers for security.
- Transparent fees displayed before confirmation.
- 24/7 fraud monitoring and card controls.
- ATM withdrawals worldwide at any Visa-supported ATM.
Important Considerations
KAST is a financial technology company, not a bank, and services are provided by licensed partners. The Premium and Private tiers carry significant annual fees that require high spending to justify. The card’s primary value proposition is for stablecoin holders who want to spend without manual conversion steps. Availability may vary by jurisdiction.
Card B — Crypto.com Prepaid Card
The Crypto.com Prepaid Visa Card is a US-based prepaid card that must be topped up before spending. Unlike the company’s credit card product, this card requires users to load funds in advance. It is issued by Community Federal Savings Bank and is part of the broader Crypto.com Level Up rewards program.
Rewards and Tiers
The card is available in multiple tiers tied to the Level Up program:
- Midnight Blue: Free, 0% rewards
- Ruby Steel: $4.99/month or $49.90/year, or $500 CRO staking, 2% CRO rewards
- Jade Green/Royal Indigo: $29.99/month or $299.90/year, or $5,000 CRO staking, 3% CRO rewards
- Icy White/Rose Gold: $50,000 CRO staking, 4% CRO rewards
- Obsidian: $500,000 CRO staking, 5% CRO rewards
Monthly rewards caps apply to lower tiers ($25 for Ruby, $75 for Jade), while higher tiers have no limit. Rewards are paid in CRO tokens.
Benefits
Higher tiers include subscription rebates (Spotify, Netflix, Truth+), airport lounge access (for Pro and Private tiers), priority support, and exclusive event invitations. Free ATM withdrawals range from $200/month for the basic tier up to $1,000/month for Obsidian.
Important Considerations
The card is prepaid, not a debit or credit card, so it must be actively loaded with funds. All top-ups are limited to $25,000 per month. The Level Up program requires either a subscription fee or CRO staking, which represents a significant upfront commitment for higher tiers. Rewards and benefits are subject to change at Crypto.com’s discretion.