Exa Card vs KAST

Exa Card3.3/5

VS

KAST3.7/5

Feature	Exa CardVisit	KASTVisit
Ratings
Our score	3.3/5	3.7/5
User rating	No reviews yet	No reviews yet
Fees	3.5	2.5
Rewards & cashback	2.5	4.0
Availability	3.5	4.5
App & experience	4.0	4.0
Trust & security	3.0	3.5
Fees & features
Card type	Credit	Prepaid
Card network	Visa	Visa
Card format	Virtual	Virtual, Physical
Custody	Self-custodial	Custodial
KYC required	Not disclosed	Yes
Business card	Not disclosed	Yes
Max cashback	Not disclosed	3%
Rewards paid in	Not disclosed	USD stablecoins
Staking needed for top rewards	Not disclosed	No
Welcome bonus	$20 in XRP after spending $100, valid October 6–20, 2026, for a fixed cohort of 3,000 invited U.S. Uphold users	Not disclosed
Card issuance fee	Free	Free
Monthly fee	Not disclosed	Free
Annual fee	Not disclosed	Free
Foreign exchange fee	1.5%	Not disclosed
ATM withdrawals	$1.00 plus 0.65% per withdrawal; some ATMs may add their own fee	Not disclosed
Daily spending limit	Not disclosed	Wallet balance
ATM withdrawal limit	$250 per withdrawal, maximum 4 withdrawals per day	Not disclosed
Available in	Global	Global
Spendable assets	USDC	USDT, USDC, PENGU, 25+ other coins
Top-up networks	Optimism, Ethereum, Base, Arbitrum, Polygon, BNB Smart Chain	10+ supported chains
Card currencies	USD	30+ currencies
Spend stablecoins	Yes	Yes
Apple Pay	Not disclosed	Yes
Google Pay	Not disclosed	Yes
Good for	Everyday spending, Travel, Online shopping	Everyday spending, Travel, Online shopping, Subscriptions & AI tools, Advertising, Business expenses
Perks	Visa VIP Airport Lounge access, Car rental insurance, Restaurant discounts, Visa Digital Concierge, Visa Travel Kit	KAST Points, US account number, EU IBAN, ACH receipts, SEPA receipts, Wire transfers, KAST Reserve
Card issuer	Licensed third parties	Not disclosed
Virtual card fee	Free	Not disclosed
Company
Founded	—	2024
Headquarters	—	Cayman Islands
Investors	Not disclosed	Left Lane Capital, QED Investors, Hong Shan, Peak XV Partners +1
Strengths and weaknesses
Pros	Free card issuance with an Exa Wallet Non-custodial smart contracts back spending and borrowing Supports deposits across six EVM networks Offers up to nine fixed-rate installments	Visa acceptance at 150M+ merchants in 170+ countries US account number and EU IBAN support ACH and SEPA payments Supports USDT and USDC across 10+ chains Standard membership has no annual fee
Cons	Non-USD transactions carry a 1.5% foreign exchange fee ATM withdrawals cost $1 plus 0.65% Installment borrowing may include interest and an origination fee Licensed third parties issue the card	Custodial account structure creates reliance on KAST and its regulated partners Premium costs $1,000 yearly and Private costs $10,000 yearly Reserve rates are introductory and the offer ends 1 July 2027 Cashback is subject to merchant-category restrictions
Best for	USDC everyday spending, Stablecoin-backed installments, Multichain crypto holders	Freelancers receiving international payments, Global workers spending stablecoins, Stablecoin-funded business expenses

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