KAST vs Bybit Card: which crypto card wins in 2026?
Head-to-head on the facts that decide your money: fee stacks, KYC levels, top-up coins, limits and cashback - every number sourced in the linked reviews.
Short answer: KAST wins overall (7.1/10 vs 6.4/10 in our weighted scores). Bybit Card is still the better pick if you care most about rewards. Facts verified 2026-11-04.
 KAST |  Bybit Card | |
|---|---|---|
| Overall score (0-10) | 7.1 | 6.4 |
| Card | Credit card · Visa · Virtual + physical | Debit card · Mastercard · Virtual + physical |
| KYC | Full KYC | Full KYC |
| KYC trigger | Account onboarding with identity verification and real-time fraud monitoring | Exchange KYC (identity verification) required before card application |
| Weekend FX surcharge | unknown | unknown |
| Custody | Custodial balance | Custodial balance |
| Direct top-up coins | USDC, USDT | USDT |
| Top-up fee | 0% | 0.9% |
| FX fee | unknown | unknown |
| Monthly fee | none | none |
| ATM fee | 2% | 2% after the first $100/month (Australia, AIFC, Kazakhstan… more2% after the first $100/month (Australia, AIFC, Kazakhstan, Georgia, Asia Pacific); Argentina 2% after 95,000 ARS/mo; Brazil 2% after 550 BRL/mo; Mexico 2% after $100/1,800 MXN; Peru: ATM not supported (virtual only); ATM-operator access fees possible |
| Monthly spend limit | Spend up to whatever is in your wallet - no hidden monthly s… moreSpend up to whatever is in your wallet - no hidden monthly spending caps (Premium cap <= $10,000/mo, Private <= $40,000/mo apply to cashback earn rates, not spending) | - |
| ATM daily limit | $750 per 24h (max 3 withdrawals, $250 each) | - |
| Cashback | 1.5% in USD | 2% in USDT |
| Apple Pay | yes | yes |
| Google Pay | yes | yes |
| Regions | worldwide, USA, Europe (EEA) | APAC, MENA, LATAM |
| Operator | KAST | Bybit |
Score breakdown
KAST scores higher on fees (+1), limits (+2), availability (+3) · Bybit Card scores higher on rewards (+1) - weighted sub-scores, which include fees the headline numbers above leave out.
why 7.1/10?
why 6.4/10?
KAST at a glance
The most complete stablecoin-spending account on the market: US/EU virtual bank accounts from anywhere, Visa Platinum cards with real 1.5% USD cashback on the free tier, instant cashback and no spending caps. Full KYC and a young operator are the trade-offs; the paid tiers only make sense for heavy spenders.
What works
- Free Standard tier with 1.5% instant USD cashback (Visa Platinum)
- US/EU virtual accounts (ACH, SEPA, wires) from anywhere
- Spending limited only by wallet balance - no monthly spend caps
- Direct SOL/ETH/BTC deposits auto-converted to USDC for spending
- Fireblocks/BitGo custody, $80M Series A, well-established partners
What to watch
- Full KYC fintech, not a bank
- Premium tiers ($1,000/$10,000 per year) priced for high spenders only
- Stablecoin-centric: BTC/ETH/SOL only via conversion to USDC
- Young company (founded 2024)
Bybit Card at a glance
The most aggressive rewards among exchange cards: 2-10% USDT cashback tiers, auto-interest on the card balance and 100% rebates on popular subscriptions - but it requires full exchange KYC and is explicitly unavailable in the EEA, and the platform carries the memory of the 2025 mega-hack it survived.
What works
- 2-10% tiered USDT cashback plus subscription rebates (100% on Netflix/Spotify/ChatGPT and more)
- Automatic interest on available card balance
- No annual fees; free virtual card
- Instant crypto-to-card funding from the exchange wallet
What to watch
- Full exchange KYC required
- Not available to EEA customers (explicitly prohibited)
- USDT-centric funding; other coins need conversion
- 2025 $1.4B cold-wallet hack (covered, but documented)
FAQ
Which is better for privacy, KAST or Bybit Card?
Both are comparable on privacy: KAST requires Full KYC, while Bybit Card requires Full KYC. Check the dated KYC facts in each review before applying.
Which is cheaper, KAST or Bybit Card?
KAST publishes the lower load fee (0% vs 0.9%).
Which pays better cashback, KAST or Bybit Card?
Bybit Card pays the higher headline cashback (2% vs 1.5%). Caps, tiers and payout token matter as much as the number - check the cashback rows in each review.
Scores and facts: meta-reviews with dated sources - KAST · Bybit Card. Method: how we verify. More: all crypto cards compared.