KASTKAST
84
Side-by-side card comparison
KAST vs Lava: fees, rewards and account setup
KAST Card has the higher Overall Score by 22 points (84 vs 62). KAST Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Lava Card may still be the better personal fit.
Information checked Oct 6, 202648 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. Lava 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.
OverallKAST84Lava62Higher score
CashbackKAST75Lava36Higher score
TravelKAST93Lava46Higher score
Funds controlKAST71Lava56Higher score
Lowest feesKAST82Lava59Higher score
TransfersKAST100Lava80Higher 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 Lava Card if its day-to-day setup suits you
Lava 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.
- No provider card FX fee
- BTC rewards at selected partners
- Stablecoin and bank funding
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
- KAST84Lava62
KAST Card has the higher Overall Score by 22 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXLava$0 plan · 0% provider FX fee FX
Lava Card has the lower published FX fee (0% provider FX fee vs 0.5–1.75%).
- Purchase rewards
- KAST1.5% base · up to 3%LavaUp to 5%
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- KASTCustodial balanceLavaHybrid custody
KAST Card uses a custodial balance setup, while Lava 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 PayLavaCard format not disclosed · Apple Pay, Google 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 payoutsLava3 stablecoins · Stablecoin transfers; Lava account bank withdrawal
KAST Card lists more stablecoins and ways to send money out (12 vs 5).
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
- Up to 5%
- Plan cost
- $0
- FX fee
- 0% provider FX fee
- ATM fee
- 2%; min $1
- Card formats
- Not disclosed
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 1 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.
Lava 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 CardOverall84Lava CardOverall62
KAST CardOverall84Lava CardOverall62Scores
6 fields- Overall Score
- KAST Card84Lava Card62
- Cashback score
- KAST Card75Lava Card36
- Travel score
- KAST Card93Lava Card46
- Funds control score
- KAST Card71Lava Card56
- Lowest fees score
- KAST Card82Lava Card59
- Transfers score
- KAST Card100Lava Card80
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessLava CardNo provider card FX fee, BTC rewards at selected partners
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesLava CardCard access remains unclear, USD settlement is custodial
Costs
7 fields- Plan cost
- KAST Card$0Lava Card$0
- FX fee
- KAST Card0.5–1.75%Lava Card0% provider FX fee
- Top-up fee
- KAST Card0%Lava CardNo added Lava funding markup. Banks and payment providers may charge; the FAQ lists 1.25% same-day ACH and $25 domestic wire. Regular ACH, SEPA and SPEI are listed as free where eligible. The fee recipient is not specified
- Card spending fee
- KAST Card0%Lava CardNot disclosed
- ATM fee
- KAST Card$3 + 2%Lava Card2%; min $1
- Virtual card
- KAST CardFree first twoLava CardNot disclosed
- Physical card
- KAST CardFree; $40 shippingLava CardNot disclosed
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateLava CardNot disclosed
- Top cashback plan
- KAST CardPrivate: 3%Lava CardNot disclosed
Everyday use
8 fields- Network
- KAST CardVisaLava CardVisa
- Card formats
- KAST CardVirtual, PhysicalLava CardNot disclosed
- ATM withdrawals
- KAST CardAvailableLava CardNot disclosed
- Mobile wallets
- KAST CardApple Pay, Google PayLava CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidLava CardiOS, Android, Web
- Daily spending limit
- KAST CardNo capLava CardAccount-specific and collateral-dependent; universal daily amount not disclosed.
- Monthly spending limit
- KAST CardNo capLava CardAccount-specific; universal monthly amount not disclosed.
- ATM limit
- KAST CardLimits shown in appLava CardAccess is conditional; withdrawal limits not disclosed.
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Lava CardSolana, Ethereum, Arbitrum, Avalanche, Base, Celo +4
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Lava CardStablecoins: USDC, USDT, PYUSD
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Lava CardLava account bank funding
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsLava CardStablecoin transfers; Lava account bank withdrawal
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Lava CardUSD, EUR
Rewards
3 fields- Base cashback
- KAST Card1.5%Lava CardNot disclosed
- Max cashback
- KAST Card3%Lava Card5%
- Reward currency
- KAST CardUSD cashbackLava CardBTC
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYLava CardUp to 6.5% APY
- How it works
- KAST CardOptional earn vaultLava CardOptional earn vault
- Separate deposit
- KAST CardYesLava CardYes
- Use balance for spending
- KAST CardNoLava CardNo
- Lock-up
- KAST CardNoLava CardNo
Trust & availability
6 fields- Custody
- KAST CardCustodialLava CardHybrid custody
- Control until payment
- KAST CardProvider controls fundsLava CardProvider controls funds
- Card issuer
- KAST CardThird NationalLava CardThird National
- Card processing
- KAST CardTazapayLava CardNot disclosed
- Custody / key management
- KAST CardBitGoLava CardNot disclosed
- Programme operator
- KAST CardTroia CorpLava CardNot disclosed
Sources
2 fields- Official sources
- KAST Card20Lava Card28
- Last reviewed
- KAST CardOct 6, 2026Lava CardOct 6, 2026
04 · The takeaway
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 62 for Lava Card. Lava Card has the lower published FX fee (0% provider FX fee vs 0.5–1.75%). The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Lava Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. KAST Card uses a custodial balance setup, while Lava 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 5). 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 Lava Card reviews first.
Continue with
KAST Card
Continue with
Lava Card
05 · Common questions
KAST vs Lava FAQ
Is KAST or Lava better overall?
KAST Card has the higher Overall Score (84 vs 62). 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 Lava?
Lava Card has the lower published FX fee (0% provider FX fee 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 Lava?
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 Lava differ on custody?
KAST Card uses a custodial balance setup, while Lava 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 Lava comparison?
The latest information check for these two cards was October 6, 2026, using 48 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.