Cash App Card vs KAST
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 Cash App Card |  KAST | |
|---|---|---|
| Overall score | 7 | 7.2 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | Not documented | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | 3% | 2% |
| Monthly fee | none | none |
| Cashback | none | 1.5% in USD |
| Regions | US, UK | GLOBAL, US, EEA |
Pick Cash App Card if
- Lightning top-up support
Pick KAST if
- Known fee stack (3.0 vs 2.0 % equivalents on a $500/mo profile)
- Higher documented cashback (1.5% vs 0)
Cash App Card
The most mainstream way to hold BTC next to a Visa debit - but the card itself never touches bitcoin: every spend requires selling first, which is a taxable event per transaction. Use it for the Boosts and the frictionless BTC auto-investing, not for crypto-native spending.
KAST
The most complete stablecoin-spending account on the market: US/EU virtual bank accounts from anywhere, Visa Platinum cards with real 1.5% USD cashback on the free tier, instant cashback and no spending caps. Full KYC and a young operator are the trade-offs; the paid tiers only make sense for heavy spenders.