KASTKAST
84
Side-by-side card comparison
KAST vs Ethena Pay: overall score versus use-case fit
Ethena Pay Card has the higher Overall Score by 2 points (86 vs 84). KAST Card looks stronger for Travel and Transfers, while Ethena Pay Card comes out ahead for Cashback, Funds control, and Lowest fees.
Information checked Sep 1, 202632 official sources reviewed
01 · Overall score versus use-case fit
Ethena Pay Card is the better all-round starting point
Ethena Pay Card has the higher Overall Score in this comparison. KAST Card may be the better fit for Travel and Transfers. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallKAST84Ethena Pay86Higher score
CashbackKAST75Ethena Pay89Higher score
TravelKAST93Ethena Pay64Higher score
Funds controlKAST71Ethena Pay86Higher score
Lowest feesKAST82Ethena Pay87Higher score
TransfersKAST100Ethena Pay82Higher score
Choose KAST Card if travel and transfers matter most
KAST Card comes out ahead for Travel and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Transfers span crypto, Tag and bank payouts
- Physical, virtual and phone-wallet card access
- Free tier starts with cashback
Choose Ethena Pay Card if cashback and funds control matter most
Ethena Pay Card comes out ahead for Cashback, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Strong Standard cashback bands
- No Standard monthly fee or FX markup
- Collateral stays in linked wallets
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- KAST84Ethena Pay86
Ethena Pay Card has the higher Overall Score by 2 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXEthena Pay$0 plan · 0% Ethena Pay markup; Visa rate applies FX
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0.5–1.75%).
- Purchase rewards
- KAST1.5% base · up to 3%Ethena Pay4% base · up to 5%
Ethena Pay Card has the higher published base cashback rate (4% vs 1.5%).
- Funds control
- KASTCustodial balanceEthena PayHybrid custody
KAST Card uses a custodial balance setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KASTVirtual + Physical · Apple Pay, Google PayEthena PayVirtual · Apple Pay
KAST Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- KAST5 stablecoins · Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsEthena Pay1 stablecoin · Stablecoin transfers; Ethena Pay user transfer; Bank withdrawal
KAST Card lists more stablecoins and ways to send money out (12 vs 4).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 0.5–1.75%
- ATM fee
- $3 + 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 32 crypto · 6 fiat
- Payout methods
- 2 crypto · 13 fiat
- Cashback
- 4%-5%
- Plan cost
- $0
- FX fee
- 0% Ethena Pay markup; Visa rate applies
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. 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.
Ethena Pay Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsKAST CardOverall84Ethena Pay CardOverall86
KAST CardOverall84Ethena Pay CardOverall86Scores
6 fields- Overall Score
- KAST Card84Ethena Pay Card86
- Cashback score
- KAST Card75Ethena Pay Card89
- Travel score
- KAST Card93Ethena Pay Card64
- Funds control score
- KAST Card71Ethena Pay Card86
- Lowest fees score
- KAST Card82Ethena Pay Card87
- Transfers score
- KAST Card100Ethena Pay Card82
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessEthena Pay CardStrong Standard cashback bands, No Standard monthly fee or FX markup
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesEthena Pay CardCard access is still application-gated, One-day payment grace adds liquidation risk
Costs
7 fields- Plan cost
- KAST Card$0Ethena Pay Card$0
- FX fee
- KAST Card0.5–1.75%Ethena Pay Card0% Ethena Pay markup; Visa rate applies
- Top-up fee
- KAST Card0%Ethena Pay CardProvider collateral-funding fee unknown; external network gas is separate
- Card spending fee
- KAST Card0%Ethena Pay Card0%
- ATM fee
- KAST Card$3 + 2%Ethena Pay CardNot available
- Virtual card
- KAST CardFree first twoEthena Pay CardUSD 0
- Physical card
- KAST CardFree; $40 shippingEthena Pay CardNot disclosed
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateEthena Pay Card3 plans: Standard, Pro, VIP
- Top cashback plan
- KAST CardPrivate: 3%Ethena Pay CardVIP: 5%
Everyday use
8 fields- Network
- KAST CardVisaEthena Pay CardVisa
- Card formats
- KAST CardVirtual, PhysicalEthena Pay CardVirtual
- ATM withdrawals
- KAST CardAvailableEthena Pay CardNot available
- Mobile wallets
- KAST CardApple Pay, Google PayEthena Pay CardApple Pay
- Apps
- KAST CardiOS, AndroidEthena Pay CardiOS, Web
- Daily spending limit
- KAST CardNo capEthena Pay CardDynamic, based on collateral market value
- Monthly spending limit
- KAST CardNo capEthena Pay CardDynamic, based on collateral market value
- ATM limit
- KAST CardLimits shown in appEthena Pay CardNot available
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Ethena Pay CardEthereum, Polygon, Optimism, Arbitrum
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Ethena Pay CardNot disclosed
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Ethena Pay CardNot disclosed
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsEthena Pay CardStablecoin transfers; Ethena Pay user transfer; Bank withdrawal
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Ethena Pay CardNot disclosed
Rewards
3 fields- Base cashback
- KAST Card1.5%Ethena Pay Card4%
- Max cashback
- KAST Card3%Ethena Pay Card5%
- Reward currency
- KAST CardUSD cashbackEthena Pay CardAVAX
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYEthena Pay CardUp to 6% APY
- How it works
- KAST CardOptional earn vaultEthena Pay CardEarn on spending balance
- Separate deposit
- KAST CardYesEthena Pay CardNo
- Use balance for spending
- KAST CardNoEthena Pay CardYes
- Lock-up
- KAST CardNoEthena Pay CardNo
Trust & availability
7 fields- Custody
- KAST CardCustodialEthena Pay CardHybrid custody
- Control until payment
- KAST CardProvider controls fundsEthena Pay CardYou keep control
- Card issuer
- KAST CardThird NationalEthena Pay CardThird National
- Card processing
- KAST CardTazapayEthena Pay CardSignify Holdings, Inc. d/b/a Rain
- Custody / key management
- KAST CardBitGoEthena Pay CardNot disclosed
- Identity verification
- KAST CardNot disclosedEthena Pay CardSumsub
- Programme operator
- KAST CardTroia CorpEthena Pay CardNot disclosed
Sources
2 fields- Official sources
- KAST Card20Ethena Pay Card12
- Last reviewed
- KAST CardAug 31, 2026Ethena Pay CardSep 1, 2026
04 · The trade-off
Ethena Pay Card is the stronger all-round choice
Ethena Pay Card finishes ahead with an Overall Score of 86 versus 84 for KAST Card. Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0.5–1.75%). Ethena Pay Card has the higher published base cashback rate (4% vs 1.5%).
KAST Card still comes out ahead for Travel and Transfers, which may matter more than the overall result if that is how you plan to use the card. KAST Card uses a custodial balance setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
KAST Card lists more stablecoins and ways to send money out (12 vs 4). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full KAST Card and Ethena Pay Card reviews first.
Continue with
KAST Card
Continue with
Ethena Pay Card
05 · Common questions
KAST vs Ethena Pay FAQ
Is KAST or Ethena Pay better overall?
Ethena Pay Card has the higher Overall Score (86 vs 84). 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 Ethena Pay?
Ethena Pay Card has the lower published FX fee (0% Ethena Pay markup; Visa rate applies vs 0.5–1.75%). 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 Ethena Pay?
Ethena Pay Card has the higher published base cashback rate (4% vs 1.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do KAST and Ethena Pay differ on custody?
KAST Card uses a custodial balance setup, while Ethena Pay Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this KAST vs Ethena Pay comparison?
The latest information check for these two cards was September 1, 2026, using 32 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.