Only the first $2,000 eligible monthly purchases earn USD cashback; no Standard spending points. ATM excluded; regional and transaction exclusions apply.
Standard plastic Visa credit card with virtual companion
The credit line is secured by deposited assets and transactions settle from the KAST balance; this is not unsecured overdraft credit. Select Credit at checkout. Activate the physical card after delivery.
App → Receive → choose token/network → fund displayed address
Supports USDT, USDC, PYUSD and RLUSD, plus automatically converted assets such as BTC, ETH and SOL. Receiving and sending networks differ: USDC can be received on Base, but the published send list is Solana, Ethereum and Arbitrum. Check Receive / Pay for each transfer; do not assume deposit networks support withdrawals.
No uniform daily/monthly spend cap; ATM up to $250 including fees
Balance, merchant and review restrictions apply. ATM: at most 3 withdrawals/$750 in rolling 24 hours. App menu → Limits controls personal limits; no preset cap does not bypass risk checks.
Legal age and KAST identity/region approval required
An unlisted country in signup is unavailable; restricted nationality, residence or location can disqualify. Apple Pay and merchant-country lists are not application whitelists.
Merchant refunds return to KAST balance, usually in a few business days
Timing depends on merchant. Raise disputes within 90 days; handling fees may apply. Unspent funds can be withdrawn: stablecoin minimum $5, network fee plus 0.1% (e.g. Solana $1, Arbitrum $0.20); bank payouts quoted separately.
Foreign-merchant transactions 1%; asset conversion may add fees
Non-US holders: local stablecoin conversion free; 0.5% when the stablecoin matches neither holder nor merchant currency (Argentina USD exception); other crypto such as wETH 0.875%. Mastercard exchange rates and gas also apply.
The newer first-card fee FAQ lists AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH at $10; the first card is normally free elsewhere. Additional cards after the allowance cost $10. An older limits page also lists HK, GB and SG as charged: check the regional Add Card quote before ordering. No physical card included.
Core does not require a paid upgrade or asset threshold. Issuance, funding and FX costs are separate; borrowing interest is not covered by free membership.
No FX markup for USD/EUR spend; other currencies about 1% + 0–0.5%
Other currencies use Visa settlement rates with about 1% base FX cost plus 0–0.5% Core markup. Zero EUR markup is a beta rule for merchant charges actually denominated in EUR, whether funded by USDC or EURC; market currency conversion still applies. Merchant dynamic currency conversion (DCC) can add charges outside this exemption.
Progressive calendar-month tiers: standard spend earns 3% on the first $2,000, 1% on the next $1,000 and 0.5% above $3,000. EUR spend uses USD-equivalent thresholds: 3% on the first $800, 1% from $800 to $1,500 and 0.1% above $1,500. USD and EUR share one monthly counter, not separate allowances. Rewards convert to ETHFI at clearing, lock for 7 days and require a manual claim of at least $5; token value fluctuates. ATM, transfers, taxes, gift cards, financial funding, rent, gambling and other excluded transactions earn no rewards; refunds reverse rewards.
Rewards use the crypto spent. Stablecoins including USDC/USDT, EUR, metals and stocks are excluded, as are transfers, taxes, utilities and other excluded merchant categories. Allow up to 15 business days for crediting.
Non-VIP 2%, capped at €50/month; VIP up to 10%/€1,000
Standard schedule effective 2026-09-01: VIP1 4%/€300, VIP2 4.5%/€450, VIP3 5%/€1,000, VIP4+ 10%/€1,000. USDG-funded purchases only, not USDC; paid in USDG usually within 72 hours of settlement. Cash, finance, insurance, education, government and other MCC exclusions apply; refunds reverse rewards. Minimum reward 0.01 EUR and 0.01 USDG after conversion.
Standard purchase fee 1%; no conversion fee or additional FX markup
Visa FX rates apply; small/failed-transaction fees are separate. These are regular rates. Qualifying campaign waivers are separate, not a full-year free-fee promise.
Standard 4%/100 USDT monthly; Premier 6%/300; Elite 10%/800
Requires actual M-Score 350–599, 600–799 or 800+, using month-end tier; trial tiers do not qualify. Eligible settled spending only, excluding disallowed merchants and refunds; paid to Spot on the next month’s 15th. Rewards may change with the program.
