KAST Card vs Karta Personal
On real usage, KAST Card leads: $121.0M was spent with it in October 2026, against $53.6M for the other card. On our computed rating, KAST Card scores higher (5.8 vs 3.7 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | KAST Card | Karta Personal |
|---|---|---|
| Our rating | 5.8 / 10 (provisional) | 3.7 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Prepaid · Debit | Prepaid |
| Card formats | Virtual · Physical | Virtual · Physical |
| Availability | 190+ countries per KAST; card eligibility and ID requirements vary by country. Not a bank; verify availability in the app. | 150+ countries. Provider does not publish the full list. |
| Rewards | 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. | No cashback advertised. |
| Pricing | 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. | Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. |
| Funding | 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. | Topped up with crypto from the user's wallet; top-ups are free. A wallet-direct model is in development on Tempo, the payments chain from Stripe and Paradigm: the user approves the card once with a spending limit (Tempo Access Keys), and at the terminal the card debits the user's own wallet with nothing to sign, settlement final in about 500 ms and a chain fee of about $0.001 paid in stablecoins. Karta's treasury already runs on Tempo and the user app is moving over, per @xKseilas (November 2026); the pre-funded top-up model is what is live today. |
| Spent in October 2026 | $121.0M · #3 of 28 tracked · Onchain, daily batches | $53.6M · #5 of 28 tracked · Onchain, daily batches |
| Facts checked | 2026-11-12 | 2026-11-12 |
| Cashback used in our math | 1.5% | No cashback |
KAST Card
Stablecoin holders who want tiered cashback plus yield on idle USD, and who are comfortable with the deposit network rules.
Karta Personal
Frequent travelers who want a high-acceptance Visa Signature card with free crypto top-ups.
Questions about this pair
Which is used more, KAST Card or Karta Personal?+
In October 2026, $121.0M was spent with KAST Card and $53.6M with Karta Personal, across the programs tracked by PaymentScan and republished by Castle Labs. KAST Card is the more used of the two on that measure. Both figures are settled payments, not top-ups.
Which pays better cashback, KAST Card or Karta Personal?+
On the published terms in this directory, 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. Karta Personal lists: No cashback advertised. Headline rates come with caps, tiers and conditions, so check the worked examples on each profile before deciding.
How do the fees compare between KAST Card and Karta Personal?+
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. Karta Personal: Virtual card 5 USDT; physical card from 100 USDT; free crypto top-ups; 1.5% fee on card payments. 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.