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Card	EligibilityResidence & identity	Issuance	Monthly / annual	Spending feesConversion + FX	RewardsRate / cap / eligibility	Apple Pay	Google Pay	ATM withdrawals	Funding fees	Card format	Payment assets	Spending / ATM limits	Who holds funds	Apply / activate	Refunds / repayment	Usage limits
ether.fi CashCore international virtual Apply now May earn commission Card 1	Supported international regions Residence/citizenship rules; US, CA and PR need separate confirmation. ether.fi Cash · Core international virtual Eligibility Supported international residences and eligible identity required The official list includes Hong Kong, Singapore, the UK, parts of Europe and other regions. Belgium and Ireland are eligible for Cash without physical delivery. Unlisted jurisdictions cannot currently apply. Residence, citizenship and compliance checks must satisfy the terms. The US program has separate agreements and is outside this entry. Canada appears in the help list but the terms exclude Canadian residents and citizens; obtain official confirmation first.	First card $0 / $10 Regional quote; extra cards $10. Check before ordering. ether.fi Cash · Core international virtual Issuance First virtual card $0 or $10 by region 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.	No monthly / annual fee Interest and transaction fees separate. ether.fi Cash · Core international virtual Monthly / annual Core has no membership monthly or annual fee 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 USD/EUR markup EUR beta; others ~1% + 0–0.5%, DCC separate. ether.fi Cash · Core international virtual Spending fees 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.	Up to 3% ETHFI First $2k/month standard or $800 equivalent EUR; 7-day lock, $5 claim. ether.fi Cash · Core international virtual Rewards Up to 3%, paid in ETHFI tokens 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.	Yes Apple Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Apple Pay Apple Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	Yes Google Pay supported Region, device and wallet verification apply. ether.fi Cash · Core international virtual Google Pay Google Pay supported Add card details in the device wallet and complete verification; a supported region, device and active card are required.	No Separate physical card needed Physical ATM access not included. ether.fi Cash · Core international virtual ATM withdrawals ATM access requires a separate physical card This virtual-card entry does not include physical-card cash access. Official guidance lists ATM use as a physical-card feature, with separate issuance and withdrawal terms.	Onchain costs; bank route fees ACH $0.50 + 0.1%; expand for other routes. ether.fi Cash · Core international virtual Funding fees Onchain network costs apply; bank funding is route-priced Check the supported asset, network, address and transaction quote; network, protocol or bridge costs are not assumed free. Where available: USD ACH $0.50 + 0.10%; USD Wire/SWIFT $20 + 0.10%; EUR SEPA to USDC €0.90 + 0.15%, or to EURC €0.90. Other fiat routes, minimums and availability are shown in the deposit flow; route prices are not interchangeable.	Virtual Visa Physical card ordered separately. ether.fi Cash · Core international virtual Card format Visa Signature virtual credit card For online payments and supported mobile wallets. A Core physical plastic card is a separate purchase; membership tier and card form are distinct.	USDC / USDT / EURC and more Set eligible asset priority; regional restrictions apply. ether.fi Cash · Core international virtual Payment assets Direct Pay can use USDC, USDT, EURC and other supported account assets Choose eligible assets and order at Portfolio → Set Spend Priority. Guidance also lists liquidUSD, liquidEUR, liquidReserve and frxUSD, but availability is regional. Liquid is unavailable to US/UK residents or citizens; Liquid Reserve belongs to a specific US program. Use only assets and deposit networks permitted for the account; insufficient balance does not guarantee a successful payment from another asset.	Default $5,000/day Account default $10k/day and month; adjustable, balance/collateral apply. ether.fi Cash · Core international virtual Spending / ATM limits Default card daily limit $5,000; account daily/monthly limits $10,000 each These are adjustable defaults, not guaranteed maximum credit. Card and account limits both apply and the first reached blocks spend. Review or change them in Cash card Spending limits and Vault → Settings; changes may have a security delay. Direct Pay also depends on available balance; Borrow Mode depends on collateral ratios, protocol and account conditions.	Personal onchain account Spending permissions; borrowing liquidation risk. ether.fi Cash · Core international virtual Who holds funds Assets stay in a personal onchain account with spending permissions Cash connects a non-custodial wallet and Direct Pay uses available assets. Borrow Mode collateral can be liquidated as prices fall or interest accrues. Third National issues the Visa card but does not provide the protocol loan; onchain assets are not insured bank deposits.	Signup → Add Card → Virtual After verification, check the regional quote. ether.fi Cash · Core international virtual Apply / activate Sign up with ether.fi → Cash / Cards → Add Card → Virtual Confirm residence eligibility and complete verification, then review the Core first-virtual-card quote in Add Card before confirming. Obtain the card details, select a spending mode, fund the account and set limits; optionally add a mobile wallet. A physical order is not required.	Balance spend / secured borrowing Immediate loan interest; USDC refunds do not repay debt. ether.fi Cash · Core international virtual Refunds / repayment Direct Pay spends the balance; Borrow Mode accrues variable interest Borrowing accrues compound interest immediately with no interest-free grace period; check the live account APY before borrowing. Repay voluntarily; no scheduled monthly minimum does not remove collateral requirements. Refunds usually take 3–7 business days and may take 30, return as USDC and reverse rewards. A Borrow Mode refund does not automatically repay debt: repay manually or interest continues.	Borrowing is not an interest-free credit line ether.fi Cash · Core international virtual Usage limits Borrowing is not an interest-free credit line Falling collateral value or accrued interest can reduce available credit and trigger liquidation; Direct Pay is available without borrowing.
KAST CardStandard physical App application guide Card 2	Eligible countries unconfirmed Check the issuer's application KAST Card · Standard physical Eligibility 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.	$0 card + $40 delivery Standard plastic card KAST Card · Standard physical Issuance Physical card $0 plus $40 delivery Standard plastic edition; confirm shipping country, timeline and charges at checkout, not a metal or higher-tier membership.	$0 annual fee Insufficient funds: $0.50/decline KAST Card · Standard physical Monthly / annual Standard annual fee $0 Insufficient-balance declines cost $0.50; small non-USD purchases, FX and ATM fees are separate.	USD 0%; non-USD 0.5%–1.75% Non-USD <$25: +$0.10/tx Rate varies by regional program KAST Card · Standard physical Spending fees USD spend 0%; non-USD FX 0.5%–1.75% Rate varies by residence, transaction country and program. Non-USD purchases below $25 add $0.10.	1.5% · max $30/mo First $2,000 eligible spend/mo Paid in USD; ATM excluded KAST Card · Standard physical Rewards Standard 1.5%, at most $30/month Only the first $2,000 eligible monthly purchases earn USD cashback; no Standard spending points. ATM excluded; regional and transaction exclusions apply.	Limited Supported Based on verified residence KAST Card · Standard physical Apple Pay Apple Pay subject to registered residence Uses residence verified with KAST, not device region or travel location; wallet support does not establish card eligibility.	Yes Supported KAST Card · Standard physical Google Pay Google Pay supported Requires a supported region/device; obtain card details in the app and complete wallet verification.	Yes： ATM $3 + 2% per withdrawal Non-USD adds 0.5%–1.75%; operator fee extra; max $250 incl. fees KAST Card · Standard physical ATM withdrawals ATM $3 + 2% per withdrawal Non-USD adds 0.5%–1.75% FX and operator fees. Up to $250 including fees each, 3 withdrawals/$750 per rolling 24 hours.	0 stablecoin deposit fee · 1:1 USD Gas extra; auto-conversion; bank deposits have fees KAST Card · Standard physical Funding fees Supported stablecoin deposits: no receiving fee, 1:1 USD credit Sender network fees remain; non-stablecoin conversion varies by token. Bank deposits: ACH $2, FedWire $15, SWIFT $30; EUR SEPA 0.5%.	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. KAST Card · Standard physical Card format 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. KAST Card · Standard physical Payment assets 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.	Spending subject to balance and risk limits ATM max $250 incl. fees; max 3/$750 per rolling 24h KAST Card · Standard physical Spending / ATM limits 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.	KAST holds funds Not bank deposits; no deposit insurance; withdrawals subject to rules KAST Card · Standard physical Who holds funds Transferred assets belong to KAST; USD ledger represents a claim on it Not an independently controlled wallet or insured bank deposit; unspent value can be withdrawn under the service rules.	Apply with $40 delivery · activate Virtual card issued first; activate physical card KAST Card · Standard physical Apply / activate KYC → Standard K → Physical and virtual → address/$40 delivery → activate on arrival Virtual companion arrives first; shipping time varies. On delivery select card → More → Activate Physical Card.	Refunds to balance, usually several workdays Min $5 stablecoin withdrawal; network fee + 0.1% extra KAST Card · Standard physical Refunds / repayment 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.	No additional terms listed KAST Card · Standard physical Usage limits No additional terms listed

Monthly spend · USD equivalent Merchant charge currency Estimate period

Issuance, ongoing and purchase fees only; rewards not deducted. Estimate scope

Issuance, ongoing and spending fees, and their subtotal for each card, in USD
Card	Three-fee subtotalUSD · First year	Spending / year	Ongoing / year	Issuance	Assumptions
ether.fi CashCore international virtual	—Issuance quote unconfirmed	$0	$0	—	Full fee terms ether.fi Cash · Core international virtual Core, existing USDC and Direct Pay. First-card fees depend on the regional quote; EUR beta terms are not projected for a full year. help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 help.ether.fi · 2026-09-28 Full fee terms →
KAST CardStandard physical	—Spending rate not estimable	—	$0	$40	Full fee terms KAST Card · Standard physical Spending fees depend on region, payment assets or transaction conditions; no single rate is used. Full fee terms →

Assumes a funded balance and current regular rates over 12 months. Excludes funding/network costs, ATM, exchange-rate differences, merchant surcharges and special-transaction fees. Temporary offers are not projected for a full year. “—” means unconfirmed or unsuitable for projection, not free. Ranges retain rate differences. No first-year subtotal where the regional issuance price is unclear. This is not a best-price ranking.