Kast Business Card Review: Team cashback, a costly Global upgrade

How Kast Business Card works

Kast Business Card gives businesses two Visa options: Kast Business Standard Card and Kast Business Global Card. Both offer virtual and physical cards, with USD cashback on eligible spending. Standard pools rewards at company level, so employee purchases contribute to the business’s rewards rather than separate personal balances.

Spending comes from the business balance, with conversion at payment. Teams can set per-card limits and company spending ceilings, block cards instantly and see team transactions in real time. Those controls make the card useful for separating vendor, employee and budget spending.

Both options cover the United States, United Arab Emirates, Brazil, United Kingdom and Australia. Each business account can support up to 500 company and employee cards combined, subject to approval and issuer limits.

Who should choose Standard, and who should reconsider Global

Standard can suit teams whose main goal is earning USD cashback on eligible business purchases while controlling employee spending. No annual subscription and free virtual issuance keep the cost of starting low. Businesses that mainly pay in USD also avoid the non-USD purchase fee.

Global deserves more scrutiny for companies considering it solely for a higher cashback rate. Its $10,000 annual subscription is a fixed upfront cost, while the extra percentage point under the 2027 schedule applies only to the first $1 million of eligible annual spending.

Teams making frequent non-USD purchases should weigh the FX fee against rewards before applying. Businesses that need physical cards for many employees should also budget for issuance rather than treating a free subscription as a cost-free rollout.

Global’s 2027 cashback: the $10,000 fee absorbs the upgrade

From 2027, Global pays 3% on the first $1 million of annual eligible spending. That tier is capped at $30,000 in rewards. Spending above the threshold earns uncapped 2%, matching Standard’s rate rather than extending the extra percentage point.

Consider a business in one of the five supported markets making $1 million of eligible USD purchases in a year under the 2027 schedule. Assume every purchase qualifies for both variants and exclude the 2026 launch offer, physical issuance and other transaction costs. Global earns $30,000, leaving $20,000 after its $10,000 subscription. Standard earns $20,000 without an annual subscription.

Below that threshold, Global’s extra cashback does not cover its annual fee relative to Standard. Above it, both earn 2% on the additional spending, so the cashback advantage does not grow. On this like-for-like calculation, the upgrade reaches parity at $1 million but never pulls ahead on cashback alone.

Cashback conditions and the separate launch offer

Standard earns uncapped 2% cashback in USD on eligible business card spending, pooled at company level. Global’s 2027 schedule combines the capped 3% tier with uncapped 2% above the first $1 million of annual eligible spending. The $30,000 ceiling applies to Global’s 3% tier, not its total annual cashback.

Global excludes government payments, insurance and cash equivalents from cashback. Refunds, chargebacks and disputes can reverse previously earned rewards. Membership cashback cannot stack with another KAST rewards programme on the same transaction.

Global’s Early Access cashback cannot be redeemed until migration and is forfeited on voluntary early exit. A reward balance under those conditions is less useful to a business that needs immediate access to its cashback.

A separate launch offer advertises an additional 1% cashback through the end of 2026. Treat that as a temporary offer when weighing ongoing value; the Global comparison above uses its 2027 schedule.

Kast Business Card fees and card limits

A 0% cross-border fee does not mean every international purchase is free of conversion costs. Both variants charge an FX fee of up to 2% for non-USD purchases. At the maximum rate, that fee can absorb Standard’s 2% base cashback on an eligible purchase.

Virtual issuance is free on both variants. Physical plastic and metal cards carry separate issuance charges, so issuing cards across a large team adds costs even on Standard.

Verification and commitments to consider

Owners and admins complete full verification, while employees provide basic details. Shareholders with at least 25% ownership and the controlling person verify through KAST Personal. Proof of address is required, and Standard’s business onboarding also requires company documents. Plan for the relevant owners and controllers to participate in setup.

Standard vs Global: which fits your business?

Both variants offer team spending controls, free virtual issuance and the same physical card prices. The decision turns on the subscription commitment and reward conditions, rather than paying more simply to obtain employee cards.

Choose around eligible spending and usable rewards

Standard is the more straightforward starting point for teams seeking eligible USD cashback and employee spending controls without an annual subscription. Its appeal weakens when non-USD fees or the cost of physical cards consume the reward value.

For Global, calculate the incremental return against Standard before committing $10,000 upfront. Even at the full 2027 higher-rate allowance, cashback alone only matches the subscription difference. Businesses seeking a cash return above Standard after that fee should choose Standard instead under these assumptions.