Fold Bitcoin Debit 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.
 Fold Bitcoin Debit Card |  KAST | |
|---|---|---|
| Overall score | 6.9 | 7.2 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | BTC sold per transaction | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | not documented | 2% |
| Monthly fee | none | none |
| Cashback | none | 1.5% in USD |
| Regions | US | GLOBAL, US, EEA |
Pick Fold Bitcoin Debit Card if
- Known fee stack (0.0 vs 2.0 % equivalents on a $500/mo profile)
Pick KAST if
- Higher documented cashback (1.5% vs none)
- Wider documented availability
Fold Bitcoin Debit Card
The reference bitcoin-back debit card in the US: sats on every swipe, FDIC pass-through on the dollar balance via Sutton Bank, BitGo custody and a Nasdaq-listed parent. Rewards are variable-rate spins rather than a fixed percentage - treat the sats as a bonus, not a yield.
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.