ether.fi Cash vs KAST Card
On real usage, ether.fi Cash leads: $141.9M was spent with it in October 2026, against $121.0M for the other card. On our computed rating, ether.fi Cash scores higher (6.8 vs 5.8 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | ether.fi Cash | KAST Card |
|---|---|---|
| Our rating | 6.8 / 10 (provisional) | 5.8 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Dual-mode · Self-custody | Prepaid · Debit |
| Card formats | Virtual · Physical | Virtual · Physical |
| Availability | Bank transfers available in 162 countries including the US, UK, EU members, UAE, Pakistan, and India; not available in 24 jurisdictions including Russia, China, Belarus, Iran, and North Korea. Physical Cash card available in 31 US states; Belgium and Ireland are Cash-eligible but have no physical card delivery. xStocks trading available in supported EU countries. | 190+ countries per KAST; card eligibility and ID requirements vary by country. Not a bank; verify availability in the app. |
| Rewards | 3% cashback on card spend (4% on VIP), 5% cashback on ether.fi Travel bookings plus up to 65% off hotels and flights. Monthly caps: Core up to $2,000, Luxe up to $10,000, Pinnacle up to $50,000. | Standard: 1.5% cashback. Premium: 2% cashback plus 1% back in points. Private: 3% cashback plus 2% back in points. USD Reserve account: 8% (Standard), 10% (Premium), 12% (Private) boosted annual reward rates until mid-2027, returning to 4% after. Boosted rates are funded by KAST as a promotion. Caps and excluded categories may apply; confirm in the app. |
| Pricing | Annual fee $0. Deposit $10 to activate card (not a fee, spendable). Virtual card fee $10 (Core/Luxe/Pinnacle), free on VIP. Physical card: $50 Core, $100 Luxe/Pinnacle, free on VIP. ATM: $5,000 per transaction, 5 withdrawals per rolling 24h, $25,000 daily limit (all tiers). FX markup: 0.5% Core, 0.25% Luxe, none on Pinnacle/VIP. | Virtual card free in most regions ($2 in some regions); physical card 40 USD. Membership: Standard free, Premium 1,000 USD/year, Private 10,000 USD/year. Captured from the live app October 2026. |
| Funding | Crypto deposits carry no ether.fi deposit fee; you pay network gas only. Deposit supported crypto into a non-custodial ether.fi Vault; funds become available for spending in Direct Pay mode or serve as collateral in Borrow mode. Bank transfer funding: USD ACH ($0.50 + 0.10%), USD wire/SWIFT ($20 + 0.10%), EUR SEPA, GBP Faster Payments, AUD, MXN, COP, AED local transfers. | Fund with stablecoins; the app's deposit rules require USDT on Solana for the primary path. XRPL and Stellar deposits need a correct destination tag or memo. Wrong-network deposits may be permanently lost. Stablecoin top-ups carry no KAST fee. Taking money back out costs $1 + 0.1% on Solana and $6 + 0.1% on Ethereum for stablecoins. |
| Spent in October 2026 | $141.9M · #2 of 28 tracked · Onchain | $121.0M · #3 of 28 tracked · Onchain, daily batches |
| Facts checked | 2026-11-12 | 2026-11-12 |
| Cashback used in our math | up to 65%, cap $2,000/month | 1.5% |
ether.fi Cash
Crypto holders who want credit-card spending power without selling their assets or giving up custody, plus travel perks.
KAST Card
Stablecoin holders who want tiered cashback plus yield on idle USD, and who are comfortable with the deposit network rules.
Questions about this pair
Which is used more, ether.fi Cash or KAST Card?+
In October 2026, $141.9M was spent with ether.fi Cash and $121.0M with KAST Card, across the programs tracked by PaymentScan and republished by Castle Labs. ether.fi Cash is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, ether.fi Cash or KAST Card?+
On the published terms in this directory, ether.fi Cash lists: 3% cashback on card spend (4% on VIP), 5% cashback on ether.fi Travel bookings plus up to 65% off hotels and flights. Monthly caps: Core up to $2,000, Luxe up to $10,000, Pinnacle up to $50,000. KAST Card lists: Standard: 1.5% cashback. Premium: 2% cashback plus 1% back in points. Private: 3% cashback plus 2% back in points. USD Reserve account: 8% (Standard), 10% (Premium), 12% (Private) boosted annual reward rates until mid-2027, returning to 4% after. Boosted rates are funded by KAST as a promotion. Caps and excluded categories may apply; confirm in the app. Headline rates come with caps, tiers and conditions, so check the worked examples on each profile before deciding.
How do the fees compare between ether.fi Cash and KAST Card?+
ether.fi Cash: Annual fee $0. Deposit $10 to activate card (not a fee, spendable). Virtual card fee $10 (Core/Luxe/Pinnacle), free on VIP. Physical card: $50 Core, $100 Luxe/Pinnacle, free on VIP. ATM: $5,000 per transaction, 5 withdrawals per rolling 24h, $25,000 daily limit (all tiers). FX markup: 0.5% Core, 0.25% Luxe, none on Pinnacle/VIP. KAST Card: Virtual card free in most regions ($2 in some regions); physical card 40 USD. Membership: Standard free, Premium 1,000 USD/year, Private 10,000 USD/year. Captured from the live app October 2026. Provider fees and regional terms change, so confirm on the official fee pages linked from each profile.
More comparisons
Spend figures are settled payments tracked by PaymentScan and republished by Castle Labs for October 2026; see the spend tracker for methodology and caveats. Ratings are computed from structured listing facts by a fixed formula; see how we rate. This comparison is educational content, not a personal recommendation.