KASTKAST
84
Side-by-side card comparison
KAST vs Phantom: overall score versus use-case fit
KAST Card has the higher Overall Score by 25 points (84 vs 59). KAST Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Phantom Card comes out ahead for Funds control.
Information checked Aug 28, 202634 official sources reviewed
01 · Overall score versus use-case fit
KAST Card is the better all-round starting point
KAST Card has the higher Overall Score in this comparison. Phantom Card may be the better fit for Funds control. 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.
OverallKAST84Phantom59Higher score
CashbackKAST75Phantom14Higher score
TravelKAST92Phantom25Higher score
Funds controlKAST71Phantom89Higher score
Lowest feesKAST81Phantom44Higher score
TransfersKAST100Phantom88Higher score
Choose KAST Card if cashback and travel matter most
KAST Card comes out ahead for Cashback, Travel, 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 Phantom Card if funds control matters most
Phantom Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
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
- KAST84Phantom59
KAST Card has the higher Overall Score by 25 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXPhantomNot verified plan · May apply; shown before confirmation 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%Phantom0% cashback
KAST Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- KASTCustodial balancePhantomSelf-controlled wallet
KAST Card uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- KASTVirtual + Physical · Apple Pay, Google PayPhantomVirtual · Apple Pay, Google Pay
KAST Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- KAST5 stablecoins · Stablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsPhantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
KAST Card lists more stablecoins and ways to send money out (12 vs 8).
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
- 0%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 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.
Phantom 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 CardOverall84Phantom CardOverall59
KAST CardOverall84Phantom CardOverall59Scores
6 fields- Overall Score
- KAST Card84Phantom Card59
- Cashback score
- KAST Card75Phantom Card14
- Travel score
- KAST Card92Phantom Card25
- Funds control score
- KAST Card71Phantom Card89
- Lowest fees score
- KAST Card81Phantom Card44
- Transfers score
- KAST Card100Phantom Card88
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessPhantom CardSelf-custody until settlement, Apple Pay and Google Pay
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesPhantom CardUS-only and virtual-only, No ATM; international fee unclear
Costs
7 fields- Plan cost
- KAST Card$0Phantom CardNot disclosed
- FX fee
- KAST Card0.5–1.75%Phantom CardMay apply; shown before confirmation
- Top-up fee
- KAST Card0%Phantom Card0.3–3.5%
- Card spending fee
- KAST Card0%Phantom Card0%
- ATM fee
- KAST Card$3 + 2%Phantom CardNot available
- Virtual card
- KAST CardFree first twoPhantom CardFree virtual card
- Physical card
- KAST CardFree; $40 shippingPhantom CardNot available
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivatePhantom CardNot disclosed
- Top cashback plan
- KAST CardPrivate: 3%Phantom CardNot disclosed
Everyday use
8 fields- Network
- KAST CardVisaPhantom CardVisa
- Card formats
- KAST CardVirtual, PhysicalPhantom CardVirtual
- ATM withdrawals
- KAST CardAvailablePhantom CardNot available
- Mobile wallets
- KAST CardApple Pay, Google PayPhantom CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidPhantom CardiOS, Android
- Daily spending limit
- KAST CardNo capPhantom Card$2,000 default daily and per transaction; up to $5,000/day by support request
- Monthly spending limit
- KAST CardNo capPhantom CardMonthly card-spend limit not published
- ATM limit
- KAST CardLimits shown in appPhantom CardNot available
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Phantom CardSolana
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Phantom CardStablecoins: USDC, USDT, USDG, PYUSD
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Phantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsPhantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Phantom CardUSD
Rewards
3 fields- Base cashback
- KAST Card1.5%Phantom Card0%
- Max cashback
- KAST Card3%Phantom Card0%
- Reward currency
- KAST CardUSD cashbackPhantom CardNot applicable
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYPhantom CardNot disclosed
- How it works
- KAST CardOptional earn vaultPhantom CardOptional earn vault
- Separate deposit
- KAST CardYesPhantom CardYes
- Use balance for spending
- KAST CardNoPhantom CardNo
- Lock-up
- KAST CardNoPhantom CardNot disclosed
Trust & availability
8 fields- Custody
- KAST CardCustodialPhantom CardSelf-custody
- Control until payment
- KAST CardProvider controls fundsPhantom CardYou keep control
- Card issuer
- KAST CardThird NationalPhantom CardLead Bank
- Card processing
- KAST CardTazapayPhantom CardBridge Ventures LLC, Galileo
- Custody / key management
- KAST CardBitGoPhantom CardNot disclosed
- Deposits & withdrawals
- KAST CardNot disclosedPhantom CardStripe
- Identity verification
- KAST CardNot disclosedPhantom CardLink
- Programme operator
- KAST CardTroia CorpPhantom CardNot disclosed
Sources
2 fields- Official sources
- KAST Card20Phantom Card14
- Last reviewed
- KAST CardAug 28, 2026Phantom CardAug 5, 2026
04 · The trade-off
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 59 for Phantom 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%).
Phantom Card still comes out ahead for Funds control, 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 Phantom Card uses a self-controlled wallet 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 8). 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 Phantom Card reviews first.
Continue with
KAST Card
Continue with
Phantom Card
05 · Common questions
KAST vs Phantom FAQ
Is KAST or Phantom better overall?
KAST Card has the higher Overall Score (84 vs 59). 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 Phantom?
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 Phantom?
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 Phantom differ on custody?
KAST Card uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this KAST vs Phantom comparison?
The latest information check for these two cards was August 28, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.