Crypto.com Visa Card vs Kast Card
How does Crypto.com Visa Card compare to Kast Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Kast Card · provisional, see how we rate
Quick answer. Crypto.com Visa Card and Kast Card are both crypto cards — here's how they differ. Key differences: annual fee (Crypto.com Visa Card: Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake vs Kast Card: Standard: Free; Premium: $1,000/year; Private: $10,000/year). Our provisional scoring rates Kast Card higher (8.2/10 vs 7.3/10), but the best pick depends on your country and how you spend.
| Feature | Crypto.com Visa Card | Kast Card |
|---|---|---|
| Our score | 7.3/10 | 8.2/10 |
| Type | Prepaid | Prepaid |
| Networks | Visa | Visa |
| Rewards | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% | Cashback: 1.5% (Standard), 2% (Premium), 3% (Private); Premium/Private also earn +1%/+2% KAST Points |
| Annual fee | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake | Standard: Free; Premium: $1,000/year; Private: $10,000/year |
| FX fee | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) | — |
| ATM fee | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier | — |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | Rewards paid in CRO | USDT, USDC, PENGU and 25+ other coins |
| Availability | — | 170+ countries (merchant acceptance) |
| Apple / Google Pay | — | Yes |
When choosing between the Crypto.com Visa Card and the Kast Card, your decision will largely depend on your spending habits, desired rewards, and willingness to commit to staking or pay higher annual fees. Both cards offer cashback rewards and operate on the Visa network, but they cater to different user needs.
Choose Crypto.com Visa Card if…
- You want tiered cashback rewards up to 4.5% on everyday spending in CRO.
- You are willing to stake CRO to unlock higher rewards tiers, such as the Ruby Steel or Royal Indigo tiers.
- You prefer a card with no foreign transaction fees on higher tiers like Rose Gold and Obsidian.
- You are comfortable with a custodial wallet and do not require self-custody of your funds.
- You are looking for a card with a free tier (Midnight Blue) that offers basic benefits without any upfront cost.
Choose Kast Card if…
- You prefer a card with a free Standard tier that offers 1.5% cashback without any staking requirements.
- You want the flexibility to earn additional rewards in KAST Points on top of cashback with the Premium or Private tiers.
- You are looking for a card that supports a wide range of cryptocurrencies, including USDT, USDC, and PENGU, and operates on multiple blockchains, including Solana.
- You value the convenience of using Apple Wallet and Google Wallet and need acceptance in over 170 countries.
- You are willing to pay higher annual fees ($1,000 for Premium, $10,000 for Private) for enhanced rewards and benefits.
Bottom line
The Crypto.com Visa Card is ideal for users who are willing to commit to staking CRO to unlock higher cashback tiers and appreciate the tiered rewards system. It also offers the advantage of no foreign transaction fees on its higher tiers. On the other hand, the Kast Card is a better fit for those who prefer a free tier with decent cashback and the flexibility to earn additional rewards in KAST Points. It also supports a wide range of cryptocurrencies and operates on multiple blockchains, which may appeal to users with diverse crypto portfolios. For more detailed comparisons, visit our how we rate page.