Krak Card vs KAST
Krak Card scores 12/16, KAST scores 11/16 on the CBL Card Score. Here is every criterion side by side.
 Krak Card |  KAST | |
|---|---|---|
| Custody | 1 of 2 | 0 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 1 of 2 | 2 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 1 of 2 |
| Funding cost | 1 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 1 of 2 | 2 of 2 |
| Total | 12 | 11 |
The short verdict: Krak Card leads overall (12 to 11). Custodial; e-money wallet safeguarded by Payward Ireland, 0% FX, Mastercard rate, no markup FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Krak Card | Starter 0%, Lite 0.5%, Pro 1%, Elite 1.5%, Max 2%, set by a 30-day rolling average balance across Krak, Kraken and Kraken Pro; paid in Bitcoin or fiat; new users may get the Max rate for the first 30 days, subject to geographic limits (official, Kraken Card FAQ, 8 Oct 2026). Blog says cashback is paid weekly (official, 13 Jul 2026). US page adds up to 6% on travel booked through Krak (official, krak.app/card). |
| KAST | Standard 1.5%, Premium 2%, Private 3%, paid in USD (official). Monthly caps reported at $2,000, $10,000 and $40,000 (third-party); the official fee article says only that rewards are subject to monthly caps. |
Cashback is shown as a dated fact and never scored.