Gemini Credit Card vs KAST

Gemini Credit Card3.7/5

VS

KAST3.7/5

Feature	Gemini Credit CardVisit	KASTVisit
Ratings
Our score	3.7/5	3.7/5
User rating	No reviews yet	No reviews yet
Fees	4.5	2.5
Rewards & cashback	3.5	4.0
Availability	2.5	4.5
App & experience	4.0	4.0
Trust & security	4.0	3.5
Fees & features
Card type	Credit	Prepaid
Card network	Mastercard	Visa
Card format	Physical, Virtual	Virtual, Physical
Custody	Custodial	Custodial
KYC required	Yes	Yes
Business card	No	Yes
Max cashback	4%	3%
Rewards paid in	Bitcoin or 50+ cryptocurrencies	USD stablecoins
Staking needed for top rewards	No	No
Card issuance fee	Not disclosed	Free
Monthly fee	Free	Free
Annual fee	Free	Free
Foreign exchange fee	0%	Not disclosed
Daily spending limit	Not disclosed	Wallet balance
Available in	United States	Global
Spendable assets	BTC, SOL, XRP	USDT, USDC, PENGU, 25+ other coins
Top-up networks	Not disclosed	10+ supported chains
Card currencies	USD	30+ currencies
Spend stablecoins	No	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	Mastercard World Elite, No foreign transaction fees, Instant rewards deposit	KAST Points, US account number, EU IBAN, ACH receipts, SEPA receipts, Wire transfers, KAST Reserve
Card issuer	WebBank	Not disclosed
Referral program	Yes	Not disclosed
Company
Founded	2014	2024
Headquarters	United States	Cayman Islands
Investors	Not disclosed	Left Lane Capital, QED Investors, Hong Shan, Peak XV Partners +1
Strengths and weaknesses
Pros	No annual fee and zero foreign transaction fees Up to 4% rewards paid in choice of over 50 cryptocurrencies No token staking or balance lock-ups required for reward tiers Rewards deposit automatically without manual claim steps	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	Top 4% tier limited to $300 in monthly spend Available only to United States residents with credit approval Custodial reward payout requires holding assets on Gemini Revolving credit model subject to standard interest rates on balances	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	US credit card spenders, Automated daily crypto accumulators, No-annual-fee rewards seekers	Freelancers receiving international payments, Global workers spending stablecoins, Stablecoin-funded business expenses

Highlighted cells show the stronger value in each row. Data comes from each provider's site and public sources; check details before you sign up.

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