Gemini Credit Card vs KAST
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: KAST wins overall (7.2/10 vs 5.4/10). The right pick still depends on your priority - see the flow comparison below.
 Gemini Credit Card |  KAST | |
|---|---|---|
| Overall score | 5.4 | 7.2 |
| BTC load | No direct BTC load | 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 | 0% | 2% |
| Monthly fee | none | none |
| Cashback | 4% in BTC | 1.5% in USD |
| Regions | US | GLOBAL, US, EEA |
Pick Gemini Credit Card if
- Known fee stack (0.0 vs 2.0 % equivalents on a $500/mo profile)
- Higher documented cashback (4% vs 1.5)
Pick KAST if
- Wider documented availability
Gemini Credit Card
The most regulated issuer context for a crypto-rewards credit card (NYDFS trust, WebBank-issued Mastercard World Elite): 4% gas/EV/transit, 3% dining, 2% groceries, 1% elsewhere, no annual fee, rewards in BTC or 50+ cryptos. It is a credit product (bureau approval, no crypto funding), US-only, and the issuer carries a 2025-2026 withdrawal-security-hold complaint pattern at the exchange level.
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.