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March 23, 2026
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10
min read
Kast is a Solana-native crypto spending card that lets you load stablecoins like USDC and USDT and pay anywhere Visa is accepted. It offers virtual and physical cards, instant Apple Pay and Google Pay setup, and has processed over $200 million in real-world spending across Europe, Latin America, Asia, and the Middle East.
Its cashback program is one of the most talked-about in the crypto card space and following the February 2026 launch of the Pengu Card, it has become significantly more accessible at the free tier.
Cashback is earned as KAST Points on every card purchase, with your card tier determining the earn rate. In addition, all Kast cards currently earn 4% cashback in $MOVE tokens on every purchase, capped at $2,000/month in qualifying spend ($80/month maximum in $MOVE). $MOVE is already live and tradable on Binance, OKX, and Bybit this is not a speculative future token.
Here is how the tier structure breaks down:
Standard / K Card. The entry-level card carries a $20 annual fee (waived if you spend $1,000 in your first three months). It earns KAST Points worth an estimated 2% during Season 5, plus up to 4% in $MOVE tokens, a combined effective rate of around 6%.
Pengu Card (Standard tier). Launched in February 2026 in partnership with Pudgy Penguins, this free card offers 6% cashback plus the up to 4% $MOVE bonus, making it one of the strongest free-tier offerings in the market. Physical cards are planned for a later date; virtual cards are issued instantly.
Illuma / Premium tier. A mid-tier card with higher KAST Point multipliers and access to better rewards. Combined with $MOVE, total effective rewards approach 8–10%.
Gold tier. At $10,000/year, this card targets high-net-worth users. Cashback rates reach up to 8% in KAST Points, plus the up to 4% $MOVE bonus, for an estimated ceiling of 12% for users spending $8,000 or more per month.
Solana Solid. An invite-only card limited to 100 holders globally. Cashback rates are reported to be slightly higher than the Gold tier.
Seasonal context. Kast operates on a season-based rewards model. Season 5 (December 1, 2025 – March 31, 2026) is the final points-earning phase before the Token Generation Event (TGE) targeted for Q2 2026. Post-TGE, point emissions are expected to decrease 10–25% per season. Rewards rates are therefore seasonal and subject to change.
Welcome and milestone bonuses. New users who spend $100 or more in a single transaction receive $10 cashback. Additional bonus points are available after your 5th transaction, your 20th transaction, and when you first purchase a premium card.
Referral cashback. You earn bonus points when a referred friend completes their first $100 spend, and a larger bonus when they upgrade to a premium card.
| Monthly Spend | Standard / Penguest. ~6% cashback | Gold Tierest. ~12% cashback | Gold Tier Annual Fee |
|---|---|---|---|
| $1,000 | ~$720/year | ~$1,440/year | $10,000/year |
| $5,000 | ~$3,600/year | ~$7,200/year | $10,000/year |
| $10,000 | ~$7,200/year | ~$14,400/year | $10,000/year |
At the Gold tier, the cashback math only works in your favour above roughly $10,000/month in spend. At the free/standard tier, 6% is available from day one with no fee threshold to clear.
Oobit is a tap-to-pay crypto card backed by Tether. It offers up to 10% cashback on eligible transactions with no annual fee and no staking requirement, and its USDT card pays cashback out automatically in USDT. The cashback rate depends on how you pay, per Oobit's official reward terms:
Cashback is credited automatically after eligible purchases and paid in USDT. Most everyday spending categories qualify, including retail, online purchases, subscriptions, travel, and digital services.
The main caveat: the headline 10% rate requires spending OOB tokens specifically. Users paying in USDT earn 5%, but only up to $200 in spend meaning the effective USDT cashback maxes out at $10 per period. For higher ongoing cashback, OOB is the required payment method.
| Monthly Spend | USDT Rate5%, capped at $200 spend | OOB Rate10%, unlimited | Annual Fee |
|---|---|---|---|
| $500 | $10/month max $120/year max |
$50/month $600/year |
$0 |
| $1,000 | $10/month max $120/year max |
$100/month $1,200/year |
$0 |
| $2,000 | $10/month max $120/year max |
$200/month $2,400/year |
$0 |
USDT cashback is capped because the 5% rate only applies to the first $200 in spend per period, maxing out at $10 regardless of total monthly spend.
Estimates based on current reward rates and assumptions; actual rewards may vary.
| Feature | Kast | Oobit |
|---|---|---|
| Max Cashback Rate | Up to ~12% (Gold + $MOVE) | Up to 10% (OOB payments) |
| Free Tier Cashback | ~6% (Pengu Card) | 5% USDT (capped at $200 spend) / 10% OOB (unlimited) |
| Cashback Paid In | KAST Points + $MOVE tokens | USDT / OOB tokens |
| Annual Fee to Unlock Best Rates | Up to $10,000 | $0 |
| Free Tier Available | Yes | Yes |
| Welcome Bonus | $10 after first $100 spend | Available for new users |
| Referral Cashback | Yes | Yes |
| Tier Required for Top Rate | Yes | No (OOB payment required) |
| Best For | Everyday spenders (free tier) and high spenders (premium) | OOB holders and everyday users |
| Category | Kast | Oobit |
|---|---|---|
| Max Earn Rate | ★★★★★ | ★★★★★ |
| Free Tier Value | ★★★★★ | ★★★★★ |
| No-Fee Earning | ★★★★★ | ★★★★★ |
| Reward Simplicity | ★★★★★ | ★★★★★ |
Kast's cashback program offers strong value across multiple use cases:
Choose Oobit if you:
Choose Kast if you:
For most everyday crypto users, both cards now offer compelling free-tier options. Kast's Pengu Card has closed the gap significantly, making the "Kast is only for high spenders" framing outdated. The deciding factor is more likely to come down to ecosystem preference, token exposure, and whether you hold OOB.
How much cashback does Kast offer? Kast offers around 6% effective cashback at the free tier (Pengu Card), combining KAST Points and $MOVE token rewards. Premium tiers can reach up to approximately 12%. Rates are seasonal and subject to change post-TGE.
Is Kast cashback paid in cash? No. It is paid in two components: KAST Points (which will convert to KAST tokens at TGE, targeted for Q2 2026) and $MOVE tokens, which are already live and tradable on major exchanges.
Does Oobit offer better cashback than Kast? It depends on how you use each card. Oobit's 10% rate (when paying with OOB) beats Kast's free tier. But Kast's Pengu Card at ~6% beats Oobit's standard 5% rate. For users not holding OOB, Kast currently offers better free-tier value.
Can I earn Kast cashback on any purchase? Most everyday purchases qualify. KAST Points and $MOVE cashback are earned on eligible card transactions, with bonus earning available through referrals, milestones, and seasonal binding.
What is the Kast welcome cashback offer? No new users who make a single purchase of $100 or more receive $10 cashback as a welcome bonus, credited as KAST Points.
What is the Kast welcome cashback offer? New users who make a single purchase of $100 or more receive $10 cashback as a welcome bonus, containing a $10 cashback as a welcome bonus, credited as KAST Points.
Kast has meaningfully evolved its cashback offering in early 2026. The Pengu Card launch brought a genuine free-tier option with ~6% effective rewards making the previous narrative that Kast only rewards high spenders no longer accurate. Add the up to 4% $MOVE cashback available across all tiers in a live, tradable token, and Kast now competes across spending levels.
Oobit remains a strong option, particularly for users who hold and spend OOB and want a simple, fee-free card with up to 10% back. But at the standard rate of 5%, it falls short of what Kast now offers for free.
For 2026, the better choice depends less on fees and more on which ecosystem you're already in and whether you're holding OOB or leaning into the Solana/KAST rewards stack.
Open your treasury, hold dollars, and start paying the world.
Abre tu tesorería, guarda dólares y empieza a pagarle al mundo.
Abra seu tesouro, guarde dólares e comece a pagar o mundo.
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