KAST Card vs Wirex Card (2026) — Which crypto card is better?

Our verdict: KAST Card

Pick the KAST Card if you hold stablecoins and want predictable USD cashback with a simple, transparent fee schedule. Pick the Wirex Card if you want the highest advertised crypto cashback (up to 8% in WXT), live in one of Wirex's 130+ supported countries, and want access to a full fintech app with savings, exchange, and borrowing. KAST wins on reward predictability; Wirex wins on raw rate and ecosystem breadth.

Quick comparison

Card A KAST Card

Crypto card program with multiple tiers and rewards in KAST Points.

Type: Debit
Network: visa
Status: Accepting applications
Regions: See KAST eligibility

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Card B Wirex Card

Crypto card with availability that varies by country; see Wirex supported-countries list for card eligibility.

Type: Debit
Network: other
Status: Accepting applications
Regions: Global (supported countries list)

Visit issuer →

Overview

The KAST Card and the Wirex Card are both global crypto debit cards that target users who want to spend digital assets in the real world, but they sit at different points on the product spectrum. KAST is a focused, stablecoin-first debit card with tiered USD cashback. Wirex is part of a broader fintech platform that includes savings, exchange, and borrowing, with cashback paid in the WXT token. This page compares the two on the dimensions that actually drive the decision.

What actually matters

Each factor below is something a real cardholder needs to decide. We walk through both cards' positions on the same question, then summarize.

Cashback rate and asset

KAST pays 1.5% to 3% in real USD plus optional KAST Points. Wirex advertises up to 8% Cryptoback in WXT tokens, tier-dependent. The headline 8% looks larger, but it is paid in a token whose value depends on Wirex's broader platform and is not guaranteed.

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 — Wirex Card

The Wirex Card is a crypto debit card that is part of the broader WirexApp ecosystem, a platform that combines stablecoin banking, card spending, and yield generation. With over 7 million users and availability in 130+ countries, Wirex is one of the more established global crypto card providers. The card allows users to spend crypto and stablecoins at over 150 million merchants worldwide.

Rewards

Wirex offers up to 8% Cryptoback rewards in WXT (Wirex’s native token) depending on the user’s plan. The exact rate depends on the subscription tier and loyalty level. Rewards are earned on every purchase, making it a consistent way to accumulate crypto while spending.

Benefits

No annual fees for the standard card.
No foreign exchange fees on international purchases.
Up to $200 in fee-free ATM withdrawals per month.
Apple Pay support for mobile payments.
Wirex Travel service for additional travel-related benefits.
Access to Wirex Private for high-net-worth users with balances of $100,000 or more, offering personalized service and higher limits.
Up to 14% interest on stablecoins through the Wirex savings products.

Important Considerations

Card availability varies significantly by country, and users should consult Wirex’s supported countries list before applying. Rewards are paid in WXT, which may not appeal to users who prefer major cryptocurrencies like Bitcoin or Ethereum. The card requires use of the WirexApp ecosystem, which includes exchange, savings, and borrowing features. Wirex is a financial technology company, not a bank, and services are provided by licensed partners. The platform has faced regulatory scrutiny in some jurisdictions, and users should verify current availability and terms in their region.

Fees and ongoing cost

KAST Standard is free; paid tiers cost $1,000 and $10,000 per year. Wirex has no annual fee on the standard card and no FX fees, with up to $200/month in free ATM withdrawals. For most users, Wirex has the lower baseline cost.

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 — Wirex Card

The Wirex Card is a crypto debit card that is part of the broader WirexApp ecosystem, a platform that combines stablecoin banking, card spending, and yield generation. With over 7 million users and availability in 130+ countries, Wirex is one of the more established global crypto card providers. The card allows users to spend crypto and stablecoins at over 150 million merchants worldwide.

Rewards

Wirex offers up to 8% Cryptoback rewards in WXT (Wirex’s native token) depending on the user’s plan. The exact rate depends on the subscription tier and loyalty level. Rewards are earned on every purchase, making it a consistent way to accumulate crypto while spending.

Benefits

No annual fees for the standard card.
No foreign exchange fees on international purchases.
Up to $200 in fee-free ATM withdrawals per month.
Apple Pay support for mobile payments.
Wirex Travel service for additional travel-related benefits.
Access to Wirex Private for high-net-worth users with balances of $100,000 or more, offering personalized service and higher limits.
Up to 14% interest on stablecoins through the Wirex savings products.

Important Considerations

Card availability varies significantly by country, and users should consult Wirex’s supported countries list before applying. Rewards are paid in WXT, which may not appeal to users who prefer major cryptocurrencies like Bitcoin or Ethereum. The card requires use of the WirexApp ecosystem, which includes exchange, savings, and borrowing features. Wirex is a financial technology company, not a bank, and services are provided by licensed partners. The platform has faced regulatory scrutiny in some jurisdictions, and users should verify current availability and terms in their region.

Geographic availability

Wirex explicitly supports 130+ countries with a public eligibility list. KAST is global in intent but eligibility varies by jurisdiction and may exclude the US. If you are outside the US, Wirex is the more accessible option.

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 — Wirex Card

The Wirex Card is a crypto debit card that is part of the broader WirexApp ecosystem, a platform that combines stablecoin banking, card spending, and yield generation. With over 7 million users and availability in 130+ countries, Wirex is one of the more established global crypto card providers. The card allows users to spend crypto and stablecoins at over 150 million merchants worldwide.

Rewards

Wirex offers up to 8% Cryptoback rewards in WXT (Wirex’s native token) depending on the user’s plan. The exact rate depends on the subscription tier and loyalty level. Rewards are earned on every purchase, making it a consistent way to accumulate crypto while spending.

Benefits

No annual fees for the standard card.
No foreign exchange fees on international purchases.
Up to $200 in fee-free ATM withdrawals per month.
Apple Pay support for mobile payments.
Wirex Travel service for additional travel-related benefits.
Access to Wirex Private for high-net-worth users with balances of $100,000 or more, offering personalized service and higher limits.
Up to 14% interest on stablecoins through the Wirex savings products.

Important Considerations

Card availability varies significantly by country, and users should consult Wirex’s supported countries list before applying. Rewards are paid in WXT, which may not appeal to users who prefer major cryptocurrencies like Bitcoin or Ethereum. The card requires use of the WirexApp ecosystem, which includes exchange, savings, and borrowing features. Wirex is a financial technology company, not a bank, and services are provided by licensed partners. The platform has faced regulatory scrutiny in some jurisdictions, and users should verify current availability and terms in their region.

Product ecosystem

Wirex is a full fintech app with stablecoin savings (up to 14% advertised yield), exchange, and on-chain features. KAST is a focused card product with stablecoin deposit and instant conversion. If you want yield on idle balance, Wirex is the broader platform.

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 — Wirex Card

The Wirex Card is a crypto debit card that is part of the broader WirexApp ecosystem, a platform that combines stablecoin banking, card spending, and yield generation. With over 7 million users and availability in 130+ countries, Wirex is one of the more established global crypto card providers. The card allows users to spend crypto and stablecoins at over 150 million merchants worldwide.

Rewards

Wirex offers up to 8% Cryptoback rewards in WXT (Wirex’s native token) depending on the user’s plan. The exact rate depends on the subscription tier and loyalty level. Rewards are earned on every purchase, making it a consistent way to accumulate crypto while spending.

Benefits

No annual fees for the standard card.
No foreign exchange fees on international purchases.
Up to $200 in fee-free ATM withdrawals per month.
Apple Pay support for mobile payments.
Wirex Travel service for additional travel-related benefits.
Access to Wirex Private for high-net-worth users with balances of $100,000 or more, offering personalized service and higher limits.
Up to 14% interest on stablecoins through the Wirex savings products.

Important Considerations

Card availability varies significantly by country, and users should consult Wirex’s supported countries list before applying. Rewards are paid in WXT, which may not appeal to users who prefer major cryptocurrencies like Bitcoin or Ethereum. The card requires use of the WirexApp ecosystem, which includes exchange, savings, and borrowing features. Wirex is a financial technology company, not a bank, and services are provided by licensed partners. The platform has faced regulatory scrutiny in some jurisdictions, and users should verify current availability and terms in their region.

Target user

KAST is built for users who hold stablecoins and want to spend them predictably. Wirex is built for users who want a crypto-native banking experience with cards, savings, and exchange in one app. The right choice depends on whether you want a card or a banking replacement.

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 — Wirex Card

The Wirex Card is a crypto debit card that is part of the broader WirexApp ecosystem, a platform that combines stablecoin banking, card spending, and yield generation. With over 7 million users and availability in 130+ countries, Wirex is one of the more established global crypto card providers. The card allows users to spend crypto and stablecoins at over 150 million merchants worldwide.

Rewards

Wirex offers up to 8% Cryptoback rewards in WXT (Wirex’s native token) depending on the user’s plan. The exact rate depends on the subscription tier and loyalty level. Rewards are earned on every purchase, making it a consistent way to accumulate crypto while spending.

Benefits

No annual fees for the standard card.
No foreign exchange fees on international purchases.
Up to $200 in fee-free ATM withdrawals per month.
Apple Pay support for mobile payments.
Wirex Travel service for additional travel-related benefits.
Access to Wirex Private for high-net-worth users with balances of $100,000 or more, offering personalized service and higher limits.
Up to 14% interest on stablecoins through the Wirex savings products.

Important Considerations

Card availability varies significantly by country, and users should consult Wirex’s supported countries list before applying. Rewards are paid in WXT, which may not appeal to users who prefer major cryptocurrencies like Bitcoin or Ethereum. The card requires use of the WirexApp ecosystem, which includes exchange, savings, and borrowing features. Wirex is a financial technology company, not a bank, and services are provided by licensed partners. The platform has faced regulatory scrutiny in some jurisdictions, and users should verify current availability and terms in their region.

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