Verdict
- Fuse Card scores higher overall (6.4 vs 6.0 out of 10).
- Fuse Card is clearly stronger on: FX & international, Custody & security, Transparency.
- KAST is clearly stronger on: Product features, Credit & financing, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Fuse Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Stronger on: FX & international, Custody & security, Transparency
KAST is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Product features, Credit & financing, Limits & ATM
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Fuse Card | KAST |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | – | 35 |
| Availability | 23 | – |
| FX & international | 100 | 30 |
| Product features | 53 | 70 |
| Custody & security | 80 | 60 |
| Credit & financing | 30 | 70 |
| Limits & ATM | 20 | 33 |
| Transparency | 100 | 86 |
| Best for Cashback | 6.0 | 5.2 |
| Best for Travel | 7.1 | 5.0 |
| Best for Self-Custody | 7.9 | n/a |
| Best for DeFi Users | 6.9 | 6.3 |
| Best for Stablecoins | 8.2 | 6.3 |
| Best for High Spenders | 6.3 | 5.2 |
| Best for Low Fees | 8.8 | 7.0 |
| Best for Beginners | 7.0 | 7.2 |
| Best Crypto Credit Card | n/a | 7.0 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Prepaid cardConditions apply: tap or hover for detailsShow source
Lead Bank Prepaid Visa; not a gift card, no expiration date
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Solana smart account with multiple keys
CustodialConditions apply: tap or hover for detailsShow source
Deposited assets are sold to KAST and held by a custodian on behalf of KAST, not the user
Card issuer / program manager
Lead BankConditions apply: tap or hover for detailsShow source
Issuer: Lead Bank, a Missouri state-chartered bank; Program Manager: Bridge Ventures LLC; Platform Provider: Selimor Investments Ltd d/b/a Squads Labs (Fuse)
Tiers / plans
Standard · Premium · PrivateConditions apply: tap or hover for detailsShow source
Account-level memberships replacing card tiers (announced May 5, 2026)
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Standard membership; Premium $1,000/yr, Private $10,000/yr
Monthly fee
FreeShow source
Physical card fee
$40Conditions apply: tap or hover for detailsShow source
Delivery fee; the Standard physical card itself is free
Virtual card fee
FreeShow source
$2Conditions apply: tap or hover for detailsShow source
Certain markets only, Standard tier
Replacement fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Including purchases outside the US
1.75%Conditions apply: tap or hover for detailsShow source
Up to; 0.5%–1.75% on non-USD card spend depending on membership
Top-up fee
FreeShow source
ATM fee
$3 + 2%Conditions apply: tap or hover for detailsShow source
Plus FX fee on non-USD ATMs; operators may add charges
Settlement fee
FreeShow source
Small transaction fee
$0.10Conditions apply: tap or hover for detailsShow source
Non-USD transactions under $25
Other fees & markups
Fees for Stablecoin Sales and other transactions incidental to card use may be charged by the Platform Provider (Fuse) or Program Manager (Bridge); amounts not stated in this agreementShow source
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
Cashback & rewards
Base cashback
1.5%Conditions apply: tap or hover for detailsShow source
Standard membership, first $2,000 of spend per month
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Private membership ($10,000/yr), first $40,000 per month; plus 2% in KAST Points
Cashback paid in
USDShow source
Cashback-eligible spend cap
$2,000/monthConditions apply: tap or hover for detailsShow source
Standard; Premium $10,000, Private $40,000 per month
Cashback conditions
Premium adds 1% and Private 2% in KAST Points on all spend · Subject to eligibility, caps and regional availabilityShow source
Reward expiry / vesting
Accrued unused benefits/rewards are forfeited when the membership expires or is terminatedShow source
Reward exclusions
Some merchant categories excludedShow source
Credit & financing
Credit line
NoShow source
YesConditions apply: tap or hover for detailsShow source
Card described as a credit card secured by deposited virtual assets
Credit type
NoneShow source
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
At each purchase the Program Manager sells stablecoins from the user's Fuse (Platform Provider) wallet and loads the fiat proceeds onto the card
Availability
Available in
United States, Argentina, BO, Brazil, Colombia, CR, DO, EC, SV, GH, GT, HN, Mexico, PA, Nigeria, PY, Peru, UYConditions apply: tap or hover for detailsShow source
US except residents of New York and Alaska; age 18+; KYC required. The FAQ also contains an older line naming only the U.S. and Argentina
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
The card holds only fiat currency; fees are applied to the U.S. dollar amount of each transaction
Features
Apple Pay
YesShow source
YesConditions apply: tap or hover for detailsShow source
Region-dependent
Google Pay
YesConditions apply: tap or hover for detailsShow source
Region-dependent
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoShow source
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDCConditions apply: tap or hover for detailsShow source
Only USDC in the Card Account
USDT · USDCConditions apply: tap or hover for detailsShow source
Acceptable Tokens for deposit
Blockchains
SolanaShow source
Ethereum · Solana · Polygon · Arbitrum · TRONConditions apply: tap or hover for detailsShow source
Deposit networks for USDT/USDC; list not exhaustive, varies by coin
Limits
ATM limit
$750Conditions apply: tap or hover for detailsShow source
$250 per withdrawal incl. fees, max 3 withdrawals per rolling 24h
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per day by default; may be raised after some usage
Security & custody
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Fiat currency on the card is not eligible for FDIC insurance
NoShow source
Annual cost at 1,500 EUR/month
Fuse Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- Per-transaction fees+0 EUR
- 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