KASTKAST
84
Side-by-side card comparison
KAST vs Xapo: fees, rewards and account setup
KAST Card has the higher Overall Score by 14 points (84 vs 70). KAST Card also looks stronger for Cashback, Travel, Funds control, and Lowest fees. The details below show where Xapo Card may still be the better personal fit.
Information checked Sep 1, 202641 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. Xapo 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.
OverallKAST84Xapo70Higher score
CashbackKAST75Xapo24Higher score
TravelKAST93Xapo91Higher score
Funds controlKAST71Xapo63Higher score
Lowest feesKAST82Xapo77Higher score
TransfersKAST100Xapo100Same score
Choose KAST Card if cashback and travel matter most
KAST Card comes out ahead for Cashback, Travel, 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.
- Transfers span crypto, Tag and bank payouts
- Physical, virtual and phone-wallet card access
- Free tier starts with cashback
Choose Xapo Card if its day-to-day setup suits you
Xapo 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, and Lowest fees, so compare that advantage with the features you would actually use.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- KAST84Xapo70
KAST Card has the higher Overall Score by 14 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXXapo$1,000/year plan · 0–0.29% FX
KAST Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- KAST1.5% base · up to 3%Xapo0% base · up to 3%
KAST Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- KASTCustodial balanceXapoCustodial balance
KAST Card and Xapo Card use the same custodial balance setup.
- Everyday access
- KASTVirtual + Physical · Apple Pay, Google PayXapoVirtual + Physical · Unknown
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 payoutsXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
KAST Card lists more stablecoins and ways to send money out (12 vs 8).
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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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.
Xapo 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 CardOverall84Xapo CardOverall70
KAST CardOverall84Xapo CardOverall70Scores
6 fields- Overall Score
- KAST Card84Xapo Card70
- Cashback score
- KAST Card75Xapo Card24
- Travel score
- KAST Card93Xapo Card91
- Funds control score
- KAST Card71Xapo Card63
- Lowest fees score
- KAST Card82Xapo Card77
- Transfers score
- KAST Card100Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- KAST Card$0Xapo Card$1,000/year
- FX fee
- KAST Card0.5–1.75%Xapo Card0–0.29%
- Top-up fee
- KAST Card0%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- KAST Card0%Xapo Card0%
- ATM fee
- KAST Card$3 + 2%Xapo Card0–2%
- Virtual card
- KAST CardFree first twoXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- KAST CardFree; $40 shippingXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- KAST CardPrivate: 3%Xapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- KAST CardVisaXapo CardVisa/Mastercard
- Card formats
- KAST CardVirtual, PhysicalXapo CardVirtual, Physical
- ATM withdrawals
- KAST CardAvailableXapo CardAvailable
- Mobile wallets
- KAST CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- KAST CardiOS, AndroidXapo CardiOS, Android
- Daily spending limit
- KAST CardNo capXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- KAST CardNo capXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- KAST CardLimits shown in appXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7Xapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22Xapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2Xapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4Xapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- KAST Card1.5%Xapo Card0%
- Max cashback
- KAST Card3%Xapo Card3%
- Reward currency
- KAST CardUSD cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYXapo CardUp to 3.35% APY
- How it works
- KAST CardOptional earn vaultXapo CardEarn on spending balance
- Separate deposit
- KAST CardYesXapo CardNo
- Use balance for spending
- KAST CardNoXapo CardYes
- Lock-up
- KAST CardNoXapo CardNo
Trust & availability
7 fields- Custody
- KAST CardCustodialXapo CardCustodial
- Control until payment
- KAST CardProvider controls fundsXapo CardProvider controls funds
- Card issuer
- KAST CardThird NationalXapo CardTransact Payments Malta Limited
- Card processing
- KAST CardTazapayXapo CardNot disclosed
- Custody / key management
- KAST CardBitGoXapo CardNot disclosed
- Bank transfers
- KAST CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- KAST CardTroia CorpXapo CardNot disclosed
Sources
2 fields- Official sources
- KAST Card20Xapo Card21
- Last reviewed
- KAST CardAug 31, 2026Xapo CardSep 1, 2026
04 · The takeaway
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 70 for Xapo Card. KAST Card has the lower starting plan cost ($0 vs $1,000/year). KAST Card has the higher published base cashback rate (1.5% vs 0%).
Xapo Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. KAST Card and Xapo Card use the same custodial balance setup.
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 Xapo Card reviews first.
Continue with
KAST Card
Continue with
Xapo Card
05 · Common questions
KAST vs Xapo FAQ
Is KAST or Xapo better overall?
KAST Card has the higher Overall Score (84 vs 70). 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 Xapo?
KAST Card has the lower starting plan cost ($0 vs $1,000/year). 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 Xapo?
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 Xapo differ on custody?
KAST Card and Xapo Card use the same custodial balance setup.
How current is this KAST vs Xapo comparison?
The latest information check for these two cards was September 1, 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.