Recently, crypto cards have become increasingly popular for spending USDT and other stablecoins directly. Among them, KAST Card and Xapo Card are two of the most notable options.
However, their physical cards differ significantly in terms of issuance fees, features, cashback, and design! In this article, we will compare KAST and Xapo physical cards in detail and analyze the spending required to offset Xapo’s $1,000 annual fee.
1. KAST & Xapo Physical Card List with Issuance Fees & Annual Fees
💳 KAST Physical Card Types & Costs
| Card Name | Issuance Fee | Annual Fee | Cashback | ATM Withdrawals | Apple Pay / Google Pay |
|---|---|---|---|---|---|
| Solana Card | $100 | $20/year | 2-6% | ✅ Yes | ✅ Yes |
| K Card | $100 | $20/year | 2-6% | ✅ Yes | ✅ Yes |
| Solana Illuma | None | $1,000/year | 5-12% | ✅ Yes | ✅ Yes |
| Solana Gold | None | $10,000/year | 12-18% | ✅ Yes | ✅ Yes |
| X Card | None | $1,000/year | 5-12% | ✅ Yes | ✅ Yes |
| X Card (Founders Edition) | $5,000 | None (No annual fee) | 5-12% | ✅ Yes | ✅ Yes |
📌 Sign up for KAST here → KAST Official
💳 Xapo Physical Card Features
| Card Name | Issuance Fee | Annual Fee | Cashback | ATM Withdrawals | Apple Pay / Google Pay |
|---|---|---|---|---|---|
| Xapo Physical Card | None | $1,000/year | 1% (BTC) | ✅ Up to $100/month free | ❌ No |
📌 Sign up for Xapo here → Xapo Official
2. How Much Spending is Needed to Offset Xapo’s Annual Fee?
- Xapo’s annual fee is $1,000. To offset this with 1% BTC cashback, you need to spend $100,000 per year.
- That’s about $8,333/month in spending.
- If you spend $30,000/year, you would earn $300 in cashback, leaving a $700 net cost.
- If BTC doubles in price, the cashback could fully offset the fee!
3. KAST vs Xapo: Physical Card Features Comparison
| Feature | KAST X Card | Xapo Physical Card |
|---|---|---|
| Annual Fee | $1,000/year | $1,000/year |
| Cashback | 5-12% (KAST Points) | 1% (BTC) |
| ATM Withdrawals | ✅ Unlimited | ✅ Up to $100/month free |
| Apple Pay / Google Pay | ✅ Yes | ❌ No |
| Exchange Rate | 5.3% spread | Market rate |
4. Which Card Should You Choose?
- If you need frequent ATM withdrawals → KAST X Card / K Card (Unlimited ATM access)
- If you only need up to $100/month in ATM withdrawals → Xapo (First $100/month free)
- If you want Apple Pay / Google Pay → KAST X Card / K Card
- If you want BTC cashback → Xapo (1% BTC cashback)
- If you spend over $100,000/year → Xapo (Fee can be offset with cashback)
5. Conclusion
✅ KAST supports ATM withdrawals & Apple Pay—great for everyday spending and cash access.
✅ Xapo offers market exchange rates & 1% BTC cashback—ideal if BTC appreciates.
✅ Xapo’s ATM withdrawals are free up to $100/month.
▶ “Best for in-store & ATM usage: KAST” → KAST Official
▶ “Best for earning BTC & avoiding FX spreads: Xapo” → Xapo Official
Matsubara Shinji Blog 