KAST is the most feature-rich crypto Visa card in 2026 — 10 card designs, real USDC cashback, up to 7% APY on idle balances, and $MOVE token rewards. We break down every tier, fee, and reward so you know exactly what you're getting.
3alamiy Verdict: Best Free Crypto Card in 2026
Free Standard tier beats most paid crypto cards. Premium and Private worth it at high spend volumes.
Available in 10 designs incl. Pudgy Penguins Pengu collection
KAST is a global money app powered by stablecoins. You deposit USDC or other stablecoins, and KAST instantly converts them to a spendable USD balance on your Visa card. No bank account required. Works at 150 million+ Visa merchants in 170+ countries.
Beyond just spending, KAST earns you real USDC cashback on every purchase, KAST Points (which convert to the KAST token at TGE), and $MOVE token rewards on eligible spend. Your idle balance also earns up to 7% APY — more than most savings accounts.
The virtual card goes live within minutes of approval. Apple Pay and Google Pay work from day one.
* Pengu Card variants (Pudgy Penguins co-branded) have identical economics — only the design differs.
✅ Pros
❌ Cons
| Fee | Amount |
|---|---|
| Annual fee (Standard) | Free |
| Annual fee (Premium) | $1,000/yr |
| Annual fee (Private) | $10,000/yr |
| Stablecoin top-up | 0% |
| ACH top-up | $2 |
| FedWire top-up | $15 |
| FX fee | 0.5%–1.75% |
| ATM withdrawal | $3 + 2% + operator fees |
| Inactivity fee | $1/month (after 12 months) |
| Declined transaction | $0.50 |
Always top up with stablecoins to avoid fees. Use your card monthly to avoid the inactivity charge.
💰 Buy USDC to top up KAST
Buy USDC with 0% stablecoin top-up fee on KAST · Instant activation
KAST has one of the best crypto referral programs right now. For every person you refer who becomes active (spends $100 on their card), you earn up to $250 in USDC commission — paid instantly.
There's also a daily Referral Leaderboard where top referrers share $1,000 USDC in daily prizes. KAST points from referrals convert to the KAST token at the Q2 2026 TGE event.
You can sign up as an affiliate directly inside the KAST app — no separate platform, no waiting for approval. It's one of the few crypto card programs that pays in real USDC, not just points.
💳 Get your KAST card
Virtual card live in minutes · Apple & Google Pay · 0% top-up fee
Get KAST Card Free →Standard tier is free forever. No credit check required.
What is KAST card?
KAST is a custodial prepaid Visa card powered by stablecoins. You top up with USDC, spend at 150M+ merchants in 170+ countries, and earn USDC cashback on every purchase. Virtual card goes live within minutes.
How much cashback does KAST pay?
Standard (free): 1.5% USDC on up to $2K/month. Premium ($1K/yr): 2% on up to $10K/month. Private ($10K/yr): 3% on up to $40K/month. All tiers also earn KAST Points and 4% in $MOVE tokens on eligible spend.
Is the free Standard tier worth it?
Yes. The free tier gives 1.5% USDC cashback on $2K/month, 5% APY on idle balance, Apple/Google Pay, and 0% stablecoin top-up. It outperforms most paid crypto cards. Just avoid the $1/month inactivity fee by spending monthly.
What are the Pengu Cards?
KAST partnered with Pudgy Penguins for Pengu-branded card designs: Pengu Card (free tier), Pengu Black Card (metal, Premium $1K/yr), and Pengu Gold Card (24K gold, Private $10K/yr). Same economics — just exclusive designs.
How does the KAST referral program work?
Refer someone who spends $100+ on their KAST card and earn up to $250 USDC commission. Sign up as an affiliate directly inside the KAST app. There's also a daily leaderboard with $1,000 USDC in prizes.
What countries does KAST support?
KAST is available in 170+ countries and works at any of 150 million Visa merchants worldwide. Some country restrictions may apply — check kast.xyz for the latest supported regions.