KASTKAST
84
Side-by-side card comparison
KAST vs Decaf
KAST Card has the higher Overall Score by 20 points (84 vs 64). KAST Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Decaf Card may still be the better personal fit.
Latest check Oct 19, 202641 official sources reviewed
KAST Card
Best fit
- USD spending on Standard: 1.5% cashback, capped at $30/month.
- Using stablecoins for card purchases and local bank payouts.
- Sending money to other KAST users with free KAST Tag transfers.
Before you choose
- Non-USD purchases add 0.5–1.75% FX; those below $25 also cost $0.10.
- ATM withdrawals cost $3 + 2%, plus FX when withdrawing non-USD cash.
- Premium costs $1,000/year; Private costs $10,000/year for higher rewards.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Current signup offers
Signup offers
Signup offers are excluded from card scores.
KAST Card
20% off
20% off your first subscription
- Discount is automatically applied at checkout.
Offer terms can change. Check the current KAST referral programme before signing up.
Decaf Card
No active signup offer listed
Partner links may earn us a commission. Affiliate disclosure
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsKAST CardOverall84Decaf CardOverall64
KAST CardOverall84Decaf CardOverall64Scores
- Overall Score
- KAST Card84Decaf Card64
- Cashback score
- KAST Card75Decaf Card29
- Travel score
- KAST Card93Decaf Card60
- Funds control score
- KAST Card71Decaf Card63
- Lowest fees score
- KAST Card82Decaf Card57
- Transfers score
- KAST Card100Decaf Card70
Costs
- Plan cost
- KAST Card$0Decaf Card$0
- FX fee
- KAST Card0.5–1.75%Decaf Card1–2%
- Top-up fee
- KAST Card0%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- KAST Card0%Decaf CardNot disclosed
- ATM fee
- KAST Card$3 + 2%Decaf Card0% Decaf markup
- Virtual card
- KAST CardFree first twoDecaf Card$5
- Physical card
- KAST CardFree; $40 shippingDecaf Card$90 international / $10 US
Plans
- Available plans
- KAST Card3 plans: Standard, Premium, PrivateDecaf CardNot disclosed
- Top cashback plan
- KAST CardPrivate: 3%Decaf CardNot disclosed
Everyday use
- Network
- KAST CardVisaDecaf CardVisa
- Card formats
- KAST CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- KAST CardAvailableDecaf CardNot disclosed
- Mobile wallets
- KAST CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- KAST CardNo capDecaf CardNot disclosed
- Monthly spending limit
- KAST CardNo capDecaf CardNot disclosed
- ATM limit
- KAST Card$500 per withdrawal; up to three withdrawals or $1,500 per 24 hoursDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Decaf CardSolana, Stellar
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Decaf CardStablecoins: USDC
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Decaf CardUSD, EUR and MXN account receipts
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Decaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- KAST Card1.5%Decaf CardNot disclosed
- Max cashback
- KAST Card3%Decaf CardNot disclosed
- Reward currency
- KAST CardUSD cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- KAST CardUp to 7% APYDecaf CardNot disclosed
- How it works
- KAST CardOptional earn vaultDecaf CardOptional earn vault
- Separate deposit
- KAST CardYesDecaf CardYes
- Use balance for spending
- KAST CardNoDecaf CardNot disclosed
- Lock-up
- KAST CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- KAST CardCustodialDecaf CardNon-custodial
- Control until payment
- KAST CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- KAST CardThird NationalDecaf CardThird National, Inc.
- Card processing
- KAST CardTazapayDecaf CardRain
- Custody / key management
- KAST CardBitGoDecaf CardNot disclosed
- Deposits & withdrawals
- KAST CardNot disclosedDecaf CardMoneyGram
- Programme operator
- KAST CardTroia CorpDecaf CardNot disclosed
Sources
- Official sources
- KAST Card20Decaf Card21
- Last reviewed
- KAST CardOct 14, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose KAST or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, KAST lists 0.5–1.75%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, KAST has reviewed routes in AED, AUD, BRL, EUR and other currencies; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
KAST's reviewed deposit assets include AAVE, ARB, BNB, BTC and other assets; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
KAST vs Decaf FAQ
Is KAST or Decaf better overall?
KAST Card has the higher Overall Score (84 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, KAST or Decaf?
KAST Card has the lower published FX fee (0.5–1.75% vs 1–2%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, KAST or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do KAST and Decaf differ on custody?
KAST Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this KAST vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 41 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.