Coinbase One Card vs KAST
Crypto native
Crypto native
Verdict
- Coinbase One Card and KAST have the same overall score (6.0/10).
- Coinbase One Card is clearly stronger on: Cashback & rewards, FX & international, Transparency.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coinbase One Card is a good fit for
- Users who need credit rather than a debit/prepaid card
- Everyday spenders who want cashback
- Frequent travellers
Stronger on: Cashback & rewards, FX & international, Transparency
KAST is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Score by criterion
| Criterion | Coinbase One Card | KAST |
|---|---|---|
| Fees | 91 | 99 |
| Cashback & rewards | 47 | 35 |
| Availability | 3 | – |
| FX & international | 100 | 30 |
| Product features | – | 70 |
| Custody & security | 60 | 60 |
| Credit & financing | 70 | 70 |
| Limits & ATM | – | 33 |
| Transparency | 100 | 86 |
| Best for Cashback | 5.6 | 5.2 |
| Best for Travel | 7.1 | 5.0 |
| Best for DeFi Users | 6.7 | 6.3 |
| Best for Stablecoins | n/a | 6.3 |
| Best for High Spenders | 6.7 | 5.2 |
| Best for Low Fees | 8.9 | 7.0 |
| Best for Beginners | 6.2 | 7.2 |
| Best Crypto Credit Card | 7.2 | 7.0 |
Product
Product status
ActiveShow source
Product status: Active
Source: Coinbase One Card
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
Credit cardShow source
Card type: Credit card
Source: Coinbase One Card
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
American ExpressShow source
Network: American Express
Source states (paraphrased): PROVIDER American Express®
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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 One Card
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
First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)Show source
Card issuer / program manager: First Electronic Bank (offered through Coinbase, Inc. and Cardless, Inc.)
Source states (paraphrased): Coinbase One Card is offered through Coinbase, Inc. and Cardless, Inc. Cards issued by First Electronic Bank.
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
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
$49.99/year*Show source
Annual fee: $49.99/year
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
Source states (paraphrased): Exclusively available to Coinbase One members starting with the $49.99 annual plan; no annual fee for members.
Source: How to apply for a Coinbase One Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Coinbase One membership required (from $49.99/year); no separate card annual fee for members
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
$2*Show source
Virtual card fee: $2
Certain markets only, Standard tier
Source states (paraphrased): In certain markets, Standard virtual card issuance may include a $2 fee.
Source: KAST Memberships replace card tiers
Official announcement (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Certain markets only, Standard tier
FX fee
0%Show source
FX fee: 0%
Source states (paraphrased): No foreign transaction fees.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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
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
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
2%*Show source
Base cashback: 2%
Lowest bitcoin-back tier; 2.5/3/4% depending on assets held on Coinbase (capped); requires a paid Coinbase One membership
Source states (paraphrased): Bitcoin back rates are tiered at 2%, 2.5%, 3%, and 4%, based on your Assets on Coinbase (AOC)
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Lowest bitcoin-back tier; 2.5/3/4% depending on assets held on Coinbase (capped); requires a paid Coinbase One membership
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
4%*Show source
Max cashback: 4%
Up to; tier depends on average Coinbase balance
Source states (paraphrased): Up to 4% bitcoin back on every purchase.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Up to; tier depends on average Coinbase balance
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
BTCShow source
Cashback paid in: BTC
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
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 One Card
Official product page (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 1 day ago (Fresh) · confidence 70%
Standard; Premium $10,000, Private $40,000 per month
Cashback conditions
Reward tier depends on the account's average balance · 5% bitcoin back on travel booked via Coinbase One Card Travel · Reversed purchases can trigger a Rewards Adjustment ChargeShow source
Cashback conditions: Reward tier depends on the account's average balance · 5% bitcoin back on travel booked via Coinbase One Card Travel · Reversed purchases can trigger a Rewards Adjustment Charge
Source: Coinbase One Card Rewards Program Terms & Conditions
Official terms & conditions (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
Yes*Show source
Credit line: Yes
Subject to credit approval
Source states (paraphrased): Eligibility depends on creditworthiness; approval shows a credit limit.
Source: How to apply for a Coinbase One Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Subject to credit approval
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
Credit type
Revolving creditShow source
Credit type: Revolving credit
Source states (paraphrased): Rewards terms refer to the minimum payment due.
Source: Coinbase One Card Rewards Program Terms & Conditions
Official terms & conditions (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 US territories
Source states (paraphrased): Available only within the United States, excluding U.S. territories.
Source: Coinbase One Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Excluding US territories
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 1 day ago (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 1 day ago (Fresh) · confidence 85%
Region-dependent
Physical card
Yes*Show source
Physical card: Yes
Stainless steel card
Source states (paraphrased): MATERIAL Stainless steel WEIGHT 17 grams PROVIDER American Express®
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Stainless steel card
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): 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): 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
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%
Travel / rental car insurance
Yes*Show source
Travel / rental car insurance: Yes
Amex network benefits: car rental loss & damage, trip cancellation/interruption, luggage
Source states (paraphrased): Worldwide Car Rental Loss & Damage Insurance
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Amex network benefits: car rental loss & damage, trip cancellation/interruption, luggage
Purchase protection
Yes*Show source
Purchase protection: Yes
Amex network benefits: retail protection, extended warranty, return protection
Source states (paraphrased): Retail Protection Extended Warranty Return Protection
Source: Coinbase One Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Amex network benefits: retail protection, extended warranty, return protection
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
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 One Card
- Annual & monthly fees−45 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- 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