KAST USD Reserve: promotional balance rewards now start at 8%
Standard Reserve rewards rise from 6% to 8%, and Premium from up to 9% to up to 10%. Private remains up to 12%. These are discretionary rewards on a separate USD balance, not purchase cashback or APY.
The essentials
Update facts
- Promotional balance reward rate
- 8% Standard
- Premium, first $50,000
- Up to 10%
- Private, first $200,000
- Up to 12%
Tier caps and early termination apply
- Standard membership is free. Premium costs $1,000 per year; Private costs $10,000 per year.
- Premium's boosted rate applies to the first $50,000 and Private's to the first $200,000. Above those caps, the promotional rate is 6%.
- The promotion runs through December 31, 2026 or until total Reserve deposits reach $100 million, whichever happens first. KAST can change rates under its terms.
- After the promotion, published ongoing rates are 4% for Standard, up to 6% for Premium and up to 8% for Private; above-cap balances receive 6%.
- Eligibility and the rate shown in the app apply. Reserve is not an insured bank deposit, and rewards are not guaranteed.
- Reserve's transfer minimum defaults to $2; the app or account settings may specify a different minimum.
Rates, membership costs and the deadline
Standard membership is free. Premium costs $1,000 per year and offers up to 10% on the first $50,000. Private costs $10,000 per year and offers up to 12% on the first $200,000. Above the paid tiers' balance caps, the promotional rate is 6%.
The promotion runs through December 31, 2026 or until total Reserve deposits reach $100 million, whichever happens first. KAST can change rates under its terms. Published ongoing rates afterward are 4% for Standard, up to 6% for Premium and up to 8% for Private, with 6% above the balance caps.
A change to the existing Reserve promotion
KAST has increased the Standard and Premium promotional rates while the current published cutoff is December 31, 2026. The feature already existed. This change does not launch a new product or alter KAST Business advertising cashback.
Keep balance rewards separate from spending rewards
Reserve is a separate USD ledger balance inside KAST. Eligible rewards accrue daily and are normally credited to USD Spending. Moving funds back to Spending enables transfers, subject to account restrictions and the current terms.
KAST describes these credits as promotional rewards, not interest, APY, yield or investment returns. Paid membership costs and balance caps matter when comparing the tiers.