Trying to choose between the KAST Card, the Ether.fi Card, and the Plasma One Card? We’ve reviewed and tested all of them, so let’s put them side by side.
All three are USD-denominated Visa cards. The real differences are in the fees, the cashback, and what you can do with your money - so that’s what we’ll focus on.
KAST Card vs Ether.fi Card vs Plasma One Card
+7 - Cashback Up to 5%
- Supported Countries 177
- Apple Pay Enabled
- Daily Spend Limit Unlimited
- Bank Account in your name Yes
- Custody Custodial
- Card Issuer Rain - Puerto Rico
- 1:1 conversion from stables to USD, no card load fees
- Supports Apple Pay
- Supports 170+ countries
- Up to 5% Cashback
- Physical Card costs $40
- High ATM withdrawal fees
- Cashback Up to 3%
- Supported Countries 226
- Apple Pay Enabled
- Daily Spend Limit Unlimited
- Bank Account in your name Yes
- Custody Non-Custodial
- Card Issuer Rain - Puerto Rico
- Popular Card in LATAM, supports PIX
- Nice Travel Perks, hotel discounts
- Physical Card costs $40
- Max 750$ Daily ATM Withdrawal limit
+2 - Cashback Up to 4%
- Supported Countries 227
- Apple Pay Enabled
- Daily Spend Limit $ 1,000,000
- Bank Account in your name Yes
- Custody Non-Custodial
- Card Issuer Rain - Puerto Rico
- 2%-4% cashback
- Free virtual card, instant issuance
- Apple Pay Enabled
- Unlimited daily spend
- No Physical Card yet, so no ATM withdrawals
- 4% cashback only available with XPL Staking
Which Card Has Lower Fees?
When you pay with the KAST Card, converting your crypto into USD costs you 0%. The Ether.fi Card charges 0% and the Plasma One Card charges 0% for the same conversion.
The cheapest cards are basically tied here - you won’t feel the difference on everyday spending.
None of them charge a monthly fee. You only pay when you spend.
Here’s exactly where each card’s conversion cost comes from:
What About Foreign Exchange Fees?
Pay in a currency other than USD and the KAST Card adds a 1.75% foreign exchange fee. The Ether.fi Card adds 0% and the Plasma One Card adds 0-1%.
If you travel a lot, or just live outside the USD zone, the Ether.fi is the kindest card to your wallet here.
Stack that on top of the conversion cost, and a non-USD purchase costs you about ~1.75% with the KAST, 0% with the Ether.fi, and ~1% with the Plasma One in total.
How Much Does Each Card Cost to Get?
The KAST virtual card is free, and the physical card costs $40. The Ether.fi virtual card is free, and the physical card costs $40. The Plasma One virtual card is free.
One more detail: the KAST card is valid for 5 years, the Ether.fi for 3 years, and the Plasma One for 5 years.
Which Card Pays Better Cashback?
The KAST Card pays up to 5%, the Ether.fi Card pays up to 3%, and the Plasma One Card pays up to 4%.
On the free tiers, the KAST starts at 1.5% (capped at $30/month), the Ether.fi starts at 3% (capped at $60/month), and the Plasma One starts at 2% (capped at Unlimited/month) - the top rates need a paid or staked tier.
 Standard Tier |
 Premium Tier |
 Private Tier |
|
| Price | $0 | $85/month ($1,000 yearly) |
$850/month ($10,000 yearly) |
| Physical Card Shipping | $40 | Free | Free |
| Cashback in USD | 1.5% ($30 cap) |
2% ($200 cap) |
3% ($1,500 cap) |
| Rewards in KAST Points | 0% | 1% (no cap) |
2% (no cap) |
| Daily Spend Limit | Unlimited | Unlimited | Unlimited |
 Core Tier |
 Luxe Tier |
 Pinnacle Tier |
 VIP Tier Invite-Only |
|
| Price | $0 | 10,000 Points (earned on ~$3,300 spend) or 15,000 $ETHFI staked (~ $7,251 to stake) |
50,000 Points (earned on ~$16,600 spend) or 100,000 $ETHFI staked (~ $48,341 to stake) |
Confidential |
| Cashback | 3% on $2,000, then 0.5%-1% ($1,000 cap) |
3% on $10,000, then 0.5%-1% ($1,000 cap) |
3% on $50,000, then 0.5%-1% ($1,000 cap) |
Confidential |
| Daily Spend Limit | Unlimited | Unlimited | Unlimited | Unlimited |
| Invite-Only Events | - | - | ||
| Personal Concierge | - | - |
You earn 3,000 points for every $1,000 you spend using your Ether.fi Cash card. You can also earn points by staking, depositing into Liquid, or holding ETHFI. Points reset every month, so your membership tier will fluctuate with time.
 Lite Tier |
 Core Tier |
 Platinum Tier |
|
| Price | $0 | $10/month ($120 yearly) or 20,000 $XPL staked (~ $1,517 to stake) |
100,000 $XPL staked (~ $7,583 to stake) |
| Cashback | 2% on $500, then 0.1% (no cap) |
3% on $1,000, then 0.25%-2% (no cap) |
4% on $1,000, then 1%-3% (no cap) |
| AI Cashback | - | 5% on $250, then 1%-4% (no cap) |
10% on $500, then 1%-5% (no cap) |
| Airlines Cashback | - | - | 10% ($50 cap) |
| FX Fee | 1% | 0.5% | 0% |
| Airport Lounge Access | - | ||
| Global eSIM | - |
Which Countries Can You Use Them In?
The KAST Card supports 177 countries for sign-up. The Ether.fi Card supports 226 and the Plasma One Card 227. All of them cover most of the world.
Availability still differs country by country, so if you want to double-check yours, open the full list of crypto cards and filter by your country.
Which Cryptos and Blockchains Can You Spend?
You can top up the KAST Card with 5 cryptocurrencies (USDT, USDC, USDE, PYUSD, RLUSD) across 13 blockchains. The Ether.fi Card takes 4 (USDT, USDC, frxUSD, liquidUSD) across 5 blockchains and the Plasma One Card takes 2 (USDT, USDC) across 8 blockchains.
KAST vs Ether.fi vs Plasma One: The Full Comparison Table
 KAST Card |  Ether.fi Card |  Plasma One Card | |
|---|---|---|---|
| Our Review Score | 8.8 / 10 | 8.7 / 10 | 8.6 / 10 |
| Card Type | Visa Credit | Visa Credit | Visa Credit |
| Monthly Fee | $0 | $0 | $0 |
| Crypto to Fiat Cost | 0% | 0% | 0% |
| Foreign Exchange Fee | 1.75% | 0% | 0-1% |
| Highest Cashback | up to 5% | up to 3% | up to 4% |
| Entry-Level Cashback | 1.5% (cap $30/mo) | 3% (cap $60/mo) | 2% (cap Unlimited/mo) |
| Daily Spending Limit | Unlimited | Unlimited | $ 1,000,000 |
| Daily ATM Limit | $750 | $750 | — |
| ATM Fee | 2% + $3 | 2% | N/A |
| Virtual Card | $0 | $0 | $0 |
| Physical Card | $40 | $40 | — |
| Supported Countries | 177 | 226 | 227 |
| Supported Cryptos | 5 | 4 | 2 |
| Blockchains | 13 | 5 | 8 |
| Bank Account | USA-based (United States) | USA-based (United States) | USA-based (United States) |
| Top-Ups & Unloads | Yes | No | Yes |
| Apple Pay | Enabled | Enabled | Enabled |
| Custody | Custodial | Non-Custodial | Non-Custodial |
| KYC | Required | Required | Required |
| Card Validity | 5 years | 3 years | 5 years |
| Card Issuer | Rain - Puerto Rico | Rain - Puerto Rico | Rain - Puerto Rico |
| Customer Service | 9.1 / 10 | 9 / 10 | 9.6 / 10 |
So Which Card Should You Get?
Here’s the short version, based on everything above:
Get the KAST Card if you want:
- the highest cashback (up to 5%)
Get the Ether.fi Card if you want:
- the lowest foreign exchange fees (0%)
Get the Plasma One Card if you want:
Honestly, the other cards win this one on almost every axis - but the Plasma One is still a solid card if you already use it.
Want the full details on any of these cards? Read our full KAST Card review, Ether.fi Card review, or Plasma One Card review.
Still not sure? Check the full list of crypto cards for more options.
