Cozy Card vs KAST
Cozy CardBetter-rated app.
KASTLower cost at your spend, more cashback, cheaper abroad.
Money
SourceCwallet Cozy Card page · checked November 10SourceKAST blog, tiers and fees · checked November 9- A year at $500/mo
- Costs/yr
- Earn/yr★
- Cashback a year
- None
- +$90★
- Cashback rate
- Points, value not published
- 1.5–3%
- Paying in another currency
- 1.5% extra
- 0.5–1.75% extra★
- Virtual card
- Free
- First two free, then $2
- Physical card
- Not offered
- Free + shipping
- Cash withdrawal
- No ATM
- $3 + 2%
Getting it
SourceCwallet docs, how to create a Cozy Card (plan table, updated 31.10.2026) · checked November 10SourceKAST help, restricted countries · checked November 9- For residents of
- Not published
- Not published
- ID from another country
- Not published
- Not for citizens of 1 countries, wherever they live
- ID accepted
- KYC is mandatory; supported ID document chosen in the app, photos or selfie if asked
- Passport, national ID or driver's licence (no official list); must be your own
- Sign-up
- Cwallet account + ID check
- ID + selfie
- Top up from a bank
- Crypto only
- Yes★
- Cash out to a bank
- No
- Yes★
Using it
SourceCwallet docs, Cozy Card usage rules · checked November 10SourceKAST website · checked November 9- Pays in
- Where Visa / Mastercard works; not at fuel stations, crypto platforms, Uber, Grab, foodpanda, gambling
- Merchants in 170+ countries, except sanctioned ones
- Spending per day
- Not published
- Not published
- Apple / Google Pay
- Physical card
- No
- Yes★
- App Store rating
- 4.9 / 5★
- 4 / 5
★ marks the better value where there is one. Estimate for everyday spending: most of it in your local currency, topping up with crypto. How we calculate. Every fact with its own source is on the card pages: Cozy Card, KAST.
