ether.fi Cash vs KAST
A non-custodial 0%-FX Visa with a flat 3% cashback vs a custodial multi-tier Visa that settles in 16 fiat currencies and rewards high spenders.
Quick verdict
ether.fi Cash is the cleaner everyday card — non-custodial, 0% FX on USD and EUR, a flat 3% cashback in wETH, no annual fee. KAST is built for multi-currency spenders and tier-chasers: its free K Card pays 1.5% and settles in 16 fiat, but the headline cashback and perks sit behind $1,000–$10,000/yr premium tiers, and it is custodial.
Side-by-side
| ether.fi Cash | KAST | |
|---|---|---|
| FX Fees | 0% on USD & EUR · 1% on other currencies | 0% USD · 2% other · +$0.10 low-value purchases |
| Payback | 3% cashback for all cards, paid in wETH | 1.5% on K Card · 2%–3% on paid premium tiers |
| Annual Fee | Free | $2 Virtual · $1,000/yr Premium · $10,000/yr Private |
| Physical Card | Metal card + virtual | Plastic + gold-metal Luxe at top tier |
| Custody | Non-custodial | Custodial |
| Supported Currencies | Settles in USD & EUR · funded from ETH & stablecoins | Spends in 16 fiat (USD, EUR, GBP, SGD, JPY…) |
| Region | Global (most regions) | 170+ countries / 150M+ Visa merchants |
Verdict by dimension
Custody
ether.fi wins on principle — non-custodial, assets stay in your wallet. KAST is custodial.
FX Fees
Tie on USD (both 0%); ether.fi is cheaper on other currencies — 1% vs KAST's 2% plus $0.10 on low-value purchases.
Cashback
ether.fi's flat 3% beats KAST's 1.5% base; KAST only overtakes at premium tiers (2–6%) costing $1,000–$10,000/yr.
Annual Fee
ether.fi wins — free on every tier. KAST's K Card is free, but its higher-reward tiers are expensive.
Multi-currency settlement
KAST wins — settles in 16 fiat currencies. ether.fi settles in USD and EUR.
Choose ether.fi Cash if…
you want self-custody, the highest no-strings cashback (a flat 3%), zero annual fee, and you mostly spend USD or EUR.
Choose KAST if…
you regularly spend in many fiat currencies (GBP, SGD, JPY…) and want native settlement, or you spend enough to justify a paid premium tier.