Coinbase Card vs KAST
Crypto native
Crypto native
Verdict
- KAST scores higher overall (6.0 vs 5.9 out of 10).
- Coinbase Card is clearly stronger on: Custody & security, Transparency.
- KAST is clearly stronger on: Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coinbase Card is a good fit for
- Stablecoin holders
Stronger on: Custody & security, Transparency
KAST is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Credit & financing
Score by criterion
| Criterion | Coinbase Card | KAST |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 35 |
| Availability | 3 | – |
| FX & international | – | 30 |
| Product features | 70 | 70 |
| Custody & security | 75 | 60 |
| Credit & financing | 30 | 70 |
| Limits & ATM | – | 33 |
| Transparency | 100 | 79 |
| Best for Cashback | n/a | 5.1 |
| Best for Travel | n/a | 5.0 |
| Best for DeFi Users | 6.7 | 6.3 |
| Best for Stablecoins | 7.3 | 6.2 |
| Best for High Spenders | n/a | 5.1 |
| Best for Low Fees | 8.0 | 6.9 |
| Best for Beginners | 7.1 | 7.0 |
| Best Crypto Credit Card | n/a | 6.9 |
Product
Product status
ActiveShow source
Product status: Active
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ActiveShow source
Product status: Active
Source states (paraphrased): Fee page updated in October 2026.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source states (paraphrased): The Visa debit card that rewards crypto.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Stablecoin cardShow source
Card type: Stablecoin card
Source states (paraphrased): Cards spend stablecoins at Visa merchants.
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
Network
VisaShow source
Network: Visa
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
VisaShow source
Network: Visa
Source states (paraphrased): The card works wherever Visa is accepted.
Source: Where Can I Use My KAST Card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
Custodial*Show source
Custody model: Custodial
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
Source states (paraphrased): thereafter held by a Custodian part of our Partners
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
Card issuer / program manager
Pathward, N.A. (program powered by Marqeta)Show source
Card issuer / program manager: Pathward, N.A. (program powered by Marqeta)
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Standard · Premium · Private*Show source
Tiers / plans: Standard · Premium · Private
Account-level memberships replacing card tiers (announced May 5, 2026)
Source states (paraphrased): choose Standard, Premium, or Private
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Account-level memberships replacing card tiers (announced May 5, 2026)
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): Zero spending fees and no annual fees.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Free*Show source
Annual fee: Free
Standard membership; Premium $1,000/yr, Private $10,000/yr
Source states (paraphrased): Standard membership costs $0 per year.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard membership; Premium $1,000/yr, Private $10,000/yr
Physical card fee
$40*Show source
Physical card fee: $40
Delivery fee; the Standard physical card itself is free
Source states (paraphrased): Standard physical cards: no card fee, $40 delivery fee.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 88%
Delivery fee; the Standard physical card itself is free
Virtual card fee
Free*Show source
Virtual card fee: Free
Standard; in certain markets Standard virtual card issuance may include a $2 fee
Source states (paraphrased): 2 free cards, virtual or physical
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Standard; in certain markets Standard virtual card issuance may include a $2 fee
FX fee
1.75%*Show source
FX fee: 1.75%
Up to; 0.5%–1.75% on non-USD card spend depending on membership
Source states (paraphrased): 0.5%–1.75% foreign exchange fee on non-USD card spend.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; 0.5%–1.75% on non-USD card spend depending on membership
Top-up fee
Free*Show source
Top-up fee: Free
Funding from a linked bank account or paycheck deposit; a spread applies when crypto is sold
Source states (paraphrased): Link your bank account or get part of your paycheck deposited into Coinbase with zero fees.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Funding from a linked bank account or paycheck deposit; a spread applies when crypto is sold
ATM fee
$3 + 2%*Show source
ATM fee: $3 + 2%
Plus FX fee on non-USD ATMs; operators may add charges
Source states (paraphrased): ATM fee is $3 plus 2% of the withdrawal.
Source: Can I Withdraw Cash With a KAST Card?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus FX fee on non-USD ATMs; operators may add charges
Small transaction fee
$0.10*Show source
Small transaction fee: $0.10
Non-USD transactions under $25
Source states (paraphrased): $0.10 fee on non-USD transactions under $25.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Non-USD transactions under $25
Other fees & markups
Coinbase charges a spread when buying, selling or converting cryptoShow source
Other fees & markups: Coinbase charges a spread when buying, selling or converting crypto
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing feesShow source
Other fees & markups: Monthly inactivity fee of $1 on dormant accounts (12 months without transaction activity) · Possible reactivation fee after 6 months of inactivity · Possible card renewal fee (specified in app) · Non-refundable chargeback/dispute processing fees
Source states (paraphrased): The Company will charge a monthly inactivity fee of $1 in the platform's primary Virtual Assets on dormant accounts.
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Cashback & rewards
Base cashback
1.5%*Show source
Base cashback: 1.5%
Standard membership, first $2,000 of spend per month
Source states (paraphrased): Standard: 1.5% cashback on the first $2,000 per month.
Source: KAST Membership Agreement
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Standard membership, first $2,000 of spend per month
Max cashback
3%*Show source
Max cashback: 3%
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
Source states (paraphrased): Private: 3% on the first $40,000 per month, plus 2% KAST Points.
Source: KAST Membership Agreement
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
Cashback paid in
USDShow source
Cashback paid in: USD
Source states (paraphrased): Paid memberships also include both USD cashback and KAST Points on eligible spend.
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Cashback type
CryptoShow source
Cashback type: Crypto
Source: Coinbase Card rewards
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback-eligible spend cap
$2,000/month*Show source
Cashback-eligible spend cap: $2,000/month
Standard; Premium $10,000, Private $40,000 per month
Source states (paraphrased): Monthly cashback-eligible spend caps per membership.
Source: How Do Cashback Rewards Work on KAST?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Standard; Premium $10,000, Private $40,000 per month
Cashback conditions
Rewards are optional and the rate is variable · Rewards only for US card usersShow source
Cashback conditions: Rewards are optional and the rate is variable · Rewards only for US card users
Source: Coinbase Card rewards
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
Cashback conditions: Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availability
Source states (paraphrased): Points bonus by membership; rewards subject to eligibility and caps.
Source: How Do Cashback Rewards Work on KAST?
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Reward expiry / vesting
Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source
Reward expiry / vesting: Accrued unused benefits/rewards are forfeited when the membership expires or is terminated
Source states (paraphrased): will be forfeited unless otherwise specified on the Platform
Source: KAST Membership Agreement
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Reward exclusions
Some merchant categories excludedShow source
Reward exclusions: Some merchant categories excluded
Source states (paraphrased): some merchant categories are excluded
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Credit & financing
Credit line
NoShow source
Credit line: No
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Yes*Show source
Credit line: Yes
Card described as a credit card secured by deposited virtual assets
Source states (paraphrased): access to credit secured by your deposited virtual assets held by the Custodian
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Card described as a credit card secured by deposited virtual assets
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Availability
Available in
United States*Show source
Available in: United States
Excluding Hawaii
Source states (paraphrased): Available for Coinbase customers who live in the US, excluding Hawaii.
Source: Apply for a debit card from Coinbase
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Excluding Hawaii
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
Region-dependent
Source states (paraphrased): 0% fee for adding cards to Apple Pay / Google Pay where supported.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Region-dependent
Google Pay
Yes*Show source
Google Pay: Yes
Region-dependent
Source states (paraphrased): 0% fee for adding cards to Apple Pay / Google Pay where supported.
Source: What Are the Fees and Conditions for KAST Cards and Accounts?
Official pricing / fee schedule (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Region-dependent
Physical card
YesShow source
Physical card: Yes
Source states (paraphrased): Create a virtual card or order a physical card
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Physical card: Yes
Source states (paraphrased): How do I order a physical KAST card?
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Create a virtual card or order a physical card
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
Virtual card: Yes
Source states (paraphrased): Instant virtual card
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 92%
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Coinbase will automatically convert all cryptocurrency to US Dollars for use in purchases and ATM withdrawals.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): KAST cards can withdraw cash at ATMs.
Source: Can I Withdraw Cash With a KAST Card?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 92%
Spend stablecoins
Yes*Show source
Spend stablecoins: Yes
USDC
Source states (paraphrased): There are no fees for spending US dollars (USD) or crypto, including USD Coin (USDC) with Coinbase Card.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
USDC
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Spend stablecoins at 150M+ merchants.
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Spendable assets
USDT · USDC*Show source
Spendable assets: USDT · USDC
Acceptable Tokens for deposit
Source states (paraphrased): Currently, this includes Tether (USDT), and USD Coin (USDC).
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Acceptable Tokens for deposit
Blockchains
Ethereum · Solana · Polygon · Arbitrum · TRON*Show source
Blockchains: Ethereum · Solana · Polygon · Arbitrum · TRON
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Source states (paraphrased): across chains including Ethereum, Solana, Polygon, Arbitrum and TRON
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Limits
ATM limit
$750*Show source
ATM limit: $750
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
Source states (paraphrased): so $750 a day
Source: Crypto cards — spend stablecoins at 150M+ merchants
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
Security & custody
Regulation / licences
Issued by Pathward, N.A., Member FDIC, under a license from Visa U.S.A. Inc.Show source
Regulation / licences: Issued by Pathward, N.A., Member FDIC, under a license from Visa U.S.A. Inc.
Source states (paraphrased): The Coinbase Card is issued by Pathward®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.
Source: Coinbase Card: The Visa® debit card that rewards crypto
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Deposit protection
NoShow source
Deposit protection: No
Source states (paraphrased): Your account is not covered by insurance against losses.
Source: Terms and Conditions of Service | Legal | KAST
Official terms & conditions (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Annual cost at 1,500 EUR/month
Coinbase Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
KAST
- Annual & monthly fees+0 EUR
- FX costs−63 EUR
- Crypto conversion–
- ATM costs−56 EUR
- Cashback+270 EUR
- Net annual value151 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers