KASTKAST
84
Side-by-side card comparison
KAST vs XPlace: fees, rewards and account setup
KAST Card has the higher Overall Score by 16 points (84 vs 68). KAST Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where XPlace Card may still be the better personal fit.
Information checked Aug 28, 202646 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. XPlace 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.
OverallKAST84XPlace68Higher score
CashbackKAST75XPlace49Higher score
TravelKAST92XPlace61Higher score
Funds controlKAST71XPlace67Higher score
Lowest feesKAST81XPlace69Higher score
TransfersKAST100XPlace62Higher 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 XPlace Card if its day-to-day setup suits you
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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
- KAST84XPlace68
KAST Card has the higher Overall Score by 16 points.
- Entry cost & FX
- KAST$0 plan · 0.5–1.75% FXXPlace$0 plan · 0–1% FX
XPlace Card has the lower published FX fee (0–1% vs 0.5–1.75%).
- Purchase rewards
- KAST1.5% base · up to 3%XPlace0.5% base · up to 4%
KAST Card has the higher published base cashback rate (1.5% vs 0.5%).
- Funds control
- KASTCustodial balanceXPlaceHybrid custody
KAST Card uses a custodial balance setup, while XPlace 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 PayXPlaceVirtual + 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 payoutsXPlace2 stablecoins · Stablecoin transfers
KAST Card lists more stablecoins and ways to send money out (12 vs 3).
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
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 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.
XPlace 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 CardOverall84XPlace CardOverall68
KAST CardOverall84XPlace CardOverall68Scores
6 fields- Overall Score
- KAST Card84XPlace Card68
- Cashback score
- KAST Card75XPlace Card49
- Travel score
- KAST Card92XPlace Card61
- Funds control score
- KAST Card71XPlace Card67
- Lowest fees score
- KAST Card81XPlace Card69
- Transfers score
- KAST Card100XPlace Card62
Strengths & trade-offs
2 fields- Strengths
- KAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card accessXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published caps
- Trade-offs
- KAST CardNon-USD FX can exceed entry cashback, ATM use adds two chargesXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layers
Costs
7 fields- Plan cost
- KAST Card$0XPlace Card$0
- FX fee
- KAST Card0.5–1.75%XPlace Card0–1%
- Top-up fee
- KAST Card0%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card fees
- Card spending fee
- KAST Card0%XPlace Card0%
- ATM fee
- KAST Card$3 + 2%XPlace CardNot available
- Virtual card
- KAST CardFree first twoXPlace CardNot disclosed
- Physical card
- KAST CardFree; $40 shippingXPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.
Plans
2 fields- Available plans
- KAST Card3 plans: Standard, Premium, PrivateXPlace Card4 plans: Basic, Silver, Gold, Platinum
- Top cashback plan
- KAST CardPrivate: 3%XPlace CardPlatinum: 2%
Everyday use
8 fields- Network
- KAST CardVisaXPlace CardVisa
- Card formats
- KAST CardVirtual, PhysicalXPlace CardVirtual, Physical
- ATM withdrawals
- KAST CardAvailableXPlace CardNot available
- Mobile wallets
- KAST CardApple Pay, Google PayXPlace CardApple Pay, Google Pay
- Apps
- KAST CardiOS, AndroidXPlace CardiOS, Android
- Daily spending limit
- KAST CardNo capXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controls
- Monthly spending limit
- KAST CardNo capXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per month
- ATM limit
- KAST CardLimits shown in appXPlace CardNot available while only the virtual card is live
Funding & transfers
5 fields- Networks
- KAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7XPlace CardSolana
- Crypto deposits
- KAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22XPlace CardStablecoins: USDC
- Fiat deposits
- KAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2XPlace CardNot disclosed
- Transfers
- KAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payoutsXPlace CardStablecoin transfers
- Payout currencies
- KAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4XPlace CardNot disclosed
Rewards
3 fields- Base cashback
- KAST Card1.5%XPlace Card0.5%
- Max cashback
- KAST Card3%XPlace Card4%
- Reward currency
- KAST CardUSD cashbackXPlace CardUSDC
Earn
5 fields- Advertised APY
- KAST CardUp to 7% APYXPlace CardUp to 6.15% APY
- How it works
- KAST CardOptional earn vaultXPlace CardBorrow against collateral, Optional earn vault
- Separate deposit
- KAST CardYesXPlace CardYes
- Use balance for spending
- KAST CardNoXPlace CardNo
- Lock-up
- KAST CardNoXPlace CardNo
Trust & availability
7 fields- Custody
- KAST CardCustodialXPlace CardHybrid custody
- Control until payment
- KAST CardProvider controls fundsXPlace CardProvider controls funds
- Card issuer
- KAST CardThird NationalXPlace CardThird National
- Card processing
- KAST CardTazapayXPlace CardSignify Holdings, Inc. (Rain)
- Custody / key management
- KAST CardBitGoXPlace CardNot disclosed
- Identity verification
- KAST CardNot disclosedXPlace CardSumsub
- Programme operator
- KAST CardTroia CorpXPlace CardNot disclosed
Sources
2 fields- Official sources
- KAST Card20XPlace Card26
- Last reviewed
- KAST CardAug 28, 2026XPlace CardAug 27, 2026
04 · The takeaway
KAST Card is the stronger all-round choice
KAST Card finishes ahead with an Overall Score of 84 versus 68 for XPlace Card. XPlace Card has the lower published FX fee (0–1% vs 0.5–1.75%). KAST Card has the higher published base cashback rate (1.5% vs 0.5%).
XPlace 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 XPlace 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 3). 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 XPlace Card reviews first.
Continue with
KAST Card
Continue with
XPlace Card
05 · Common questions
KAST vs XPlace FAQ
Is KAST or XPlace better overall?
KAST Card has the higher Overall Score (84 vs 68). 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 XPlace?
XPlace Card has the lower published FX fee (0–1% 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 XPlace?
KAST Card has the higher published base cashback rate (1.5% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do KAST and XPlace differ on custody?
KAST Card uses a custodial balance setup, while XPlace 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 XPlace comparison?
The latest information check for these two cards was August 28, 2026, using 46 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.