KAST Card vs Kolo Card
On real usage, KAST Card leads: $121.0M was spent with it in October 2026, against $20.5M for the other card. On our computed rating, KAST Card scores higher (5.8 vs 3.8 out of 10). The full side-by-side facts are below, taken from each card's directory profile.
| Fact | KAST Card | Kolo Card |
|---|---|---|
| Our rating | 5.8 / 10 (provisional) | 3.8 / 10 (provisional) |
| Network | Visa | Visa |
| Model | Prepaid · Debit | Prepaid |
| Card formats | Virtual · Physical | Virtual |
| Availability | 190+ countries per KAST; card eligibility and ID requirements vary by country. Not a bank; verify availability in the app. | Virtual cards only; a plastic card is planned for 2027 per the review report. Country eligibility is confirmed in the app at sign-up. |
| 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. | Standard cashback: 2% for the first 30 days, then 1%, capped at $2 per purchase in the first 30 days and $1 per purchase after, with a $100/month overall cap. Invite promo: 5% back in BTC for the first 2 months on the EUR card. |
| 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. | Card free: a $10 deposit is required to issue and is returned as spendable balance. 1% fee on every card payment (conversion). EUR card FX up to 1.35% on non-EUR purchases. SEPA payout EUR 1. Default spend cap $9,000/month. |
| 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. | Fund the Kolo wallet, then issue a USD virtual Visa Platinum (via Rain) or a EUR virtual Visa Platinum (via Wirex). SEPA payouts cost EUR 1. There is no personal IBAN for receiving EUR. |
| Spent in October 2026 | $121.0M · #3 of 28 tracked · Onchain, daily batches | $20.5M · #7 of 28 tracked · Onchain |
| Facts checked | 2026-11-12 | 2026-10-21 |
| Cashback used in our math | 1.5% | 2%, cap $100/month |
KAST Card
Stablecoin holders who want tiered cashback plus yield on idle USD, and who are comfortable with the deposit network rules.
Kolo Card
Users who want a free virtual USD or EUR Visa Platinum card with cashback and can work within a $9,000 monthly default spend cap.
Questions about this pair
Which is used more, KAST Card or Kolo Card?+
In October 2026, $121.0M was spent with KAST Card and $20.5M with Kolo Card, 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 Kolo Card?+
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. Kolo Card lists: Standard cashback: 2% for the first 30 days, then 1%, capped at $2 per purchase in the first 30 days and $1 per purchase after, with a $100/month overall cap. Invite promo: 5% back in BTC for the first 2 months on the EUR card. 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 Kolo Card?+
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. Kolo Card: Card free: a $10 deposit is required to issue and is returned as spendable balance. 1% fee on every card payment (conversion). EUR card FX up to 1.35% on non-EUR purchases. SEPA payout EUR 1. Default spend cap $9,000/month. 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.