KASTKAST
84
Side-by-side card comparison
KAST vs Fold Debit: fees, rewards and account setup
KAST Card has the higher Overall Score by 12 points (84 vs 72). KAST Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Fold Debit Card may still be the better personal fit.
Information checked Aug 28, 202649 official sources reviewed
01 · Make the first cut
KAST Card is the better all-round starting point
KAST Card has the higher Overall Score in this comparison. Fold Debit Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallKAST84Fold Debit72Higher score
CashbackKAST75Fold Debit40Higher score
TravelKAST92Fold Debit78Higher score
Funds controlKAST71Fold Debit59Higher score
Lowest feesKAST81Fold Debit71Higher score
TransfersKAST100Fold Debit77Higher score
Choose KAST Card if cashback and travel matter most
KAST Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, 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 Fold Debit Card if its day-to-day setup suits you
Fold Debit Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Several USD funding routes
- Physical card and phone wallets
- Fold+ bitcoin rewards
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- KAST84Fold Debit72
KAST Card has the higher Overall Score by 12 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXFold Debit$0 plan · $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- KAST1.5% base · up to 3%Fold Debit0% base · up to 15%
KAST Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- KASTCustodial balanceFold DebitCustodial balance
KAST Card and Fold Debit Card use the same custodial balance setup.
- Everyday access
- KASTVirtual + Physical · Apple Pay, Google PayFold DebitVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- KAST5 stablecoins · Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsFold Debit0 stablecoins · ACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
KAST Card lists more stablecoins and ways to send money out (12 vs 4).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- 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
- 0%-15%
- Plan cost
- $0
- FX fee
- $3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred
- ATM fee
- $3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may apply
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 crypto · 2 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.
Fold Debit 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
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsKAST CardOverall84Fold Debit CardOverall72
KAST CardOverall84Fold Debit CardOverall72Scores
6 fields- Overall Score
- KAST Card84Fold Debit Card72
- Cashback score
- KAST Card75Fold Debit Card40
- Travel score
- KAST Card92Fold Debit Card78
- Funds control score
- KAST Card71Fold Debit Card59
- Lowest fees score
- KAST Card81Fold Debit Card71
- Transfers score
- KAST Card100Fold Debit Card77
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessFold Debit CardSeveral USD funding routes, Physical card and phone wallets
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesFold Debit CardU.S.-only applications, Free-plan ATM and foreign fees
Costs
7 fields- Plan cost
- KAST Card$0Fold Debit Card$0
- FX fee
- KAST Card0.5–1.75%Fold Debit Card$3 fixed provider fee per foreign transaction for Fold; $0 for Fold+; no percentage FX fee is inferred
- Top-up fee
- KAST Card0%Fold Debit CardInstant debit funding costs 1.5%, capped at $25; ACH and direct-deposit routes are separate
- Card spending fee
- KAST Card0%Fold Debit Card0%
- ATM fee
- KAST Card$3 + 2%Fold Debit Card$3.50 Fold provider fee for the free plan; $0 for Fold+; operator fees may apply
- Virtual card
- KAST CardFree first twoFold Debit CardNot disclosed
- Physical card
- KAST CardFree; $40 shippingFold Debit Card$0 card purchase fee
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateFold Debit Card2 plans: Fold, Fold+
- Top cashback plan
- KAST CardPrivate: 3%Fold Debit CardFold+: 0.5%
Everyday use
8 fields- Network
- KAST CardVisaFold Debit CardVisa
- Card formats
- KAST CardVirtual, PhysicalFold Debit CardVirtual, Physical
- ATM withdrawals
- KAST CardAvailableFold Debit CardAvailable
- Mobile wallets
- KAST CardApple Pay, Google PayFold Debit CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidFold Debit CardiOS, Android
- Daily spending limit
- KAST CardNo capFold Debit Card$15,000 per transaction and per day
- Monthly spending limit
- KAST CardNo capFold Debit Card$50,000 per month
- ATM limit
- KAST CardLimits shown in appFold Debit Card$250 per withdrawal; $1,000 daily and monthly
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Fold Debit CardNot disclosed
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Fold Debit CardNot disclosed
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Fold Debit CardLinked-bank ACH, Direct deposit, Instant debit-card funding
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsFold Debit CardACH withdrawal, Instant debit-card withdrawal, ATM withdrawal, ACH bill pay
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Fold Debit CardUSD, USD cash equivalent
Rewards
3 fields- Base cashback
- KAST Card1.5%Fold Debit Card0%
- Max cashback
- KAST Card3%Fold Debit Card15%
- Reward currency
- KAST CardUSD cashbackFold Debit CardBitcoin
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYFold Debit CardNot offered
- How it works
- KAST CardOptional earn vaultFold Debit CardNot offered
- Separate deposit
- KAST CardYesFold Debit CardNot offered
- Use balance for spending
- KAST CardNoFold Debit CardNot offered
- Lock-up
- KAST CardNoFold Debit CardNot offered
Trust & availability
7 fields- Custody
- KAST CardCustodialFold Debit CardCustodial
- Control until payment
- KAST CardProvider controls fundsFold Debit CardProvider controls funds
- Card issuer
- KAST CardThird NationalFold Debit CardSutton Bank
- Card processing
- KAST CardTazapayFold Debit CardMarqeta, Inc.
- Custody / key management
- KAST CardBitGoFold Debit CardBitGo Bank and Trust, N.A. / BitGo Prime LLC
- Bank transfers
- KAST CardNot disclosedFold Debit CardPlaid Inc., Astra, Inc.
- Programme operator
- KAST CardTroia CorpFold Debit CardNot disclosed
Sources
2 fields- Official sources
- KAST Card20Fold Debit Card29
- Last reviewed
- KAST CardAug 28, 2026Fold Debit CardAug 14, 2026
04 · The takeaway
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 72 for Fold Debit Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. KAST Card has the higher published base cashback rate (1.5% vs 0%).
Fold Debit Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. KAST Card and Fold Debit Card use the same custodial balance setup.
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 Fold Debit Card reviews first.
Continue with
KAST Card
Continue with
Fold Debit Card
05 · Common questions
KAST vs Fold Debit FAQ
Is KAST or Fold Debit better overall?
KAST Card has the higher Overall Score (84 vs 72). 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 Fold Debit?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Fold Debit?
KAST Card has the higher published base cashback rate (1.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do KAST and Fold Debit differ on custody?
KAST Card and Fold Debit Card use the same custodial balance setup.
How current is this KAST vs Fold Debit comparison?
The latest information check for these two cards was August 28, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.