Cashback Comparison: KAST vs Bitget vs Etherfi vs Crypto.com vs Bybit vs Bitget
Not all crypto cashback is created equal. This guide breaks down how different cards calculate rewards, what limits your earnings, and which setups actually work if you just want reliable cashback without constant optimization.
Key Takeaways
- Cashback is only “good” if you can actually earn it on your normal spending. The rate, caps, and conditions matter more than the headline number.
- Most crypto cards don’t offer simple cashback. They use caps, thresholds, categories, or promo windows that change what you actually earn.
- If you’re choosing purely on cashback, it comes down to one question: do you want predictable rewards, or are you willing to optimize for higher but conditional rates?
Trying to compare crypto cards but only care about one thing: cashback?
Then ignore everything else. Seriously. No perks, no branding, no ecosystem talk.
Just focus on how rewards actually work: what “cashback” means on each card, what triggers it, what limits it, and whether you’ll earn the advertised percentage once you start spending normally.
This is a cashback-mechanics-only comparison. Rewards, fees, eligibility, and regional terms can change, always verify the latest terms on each provider’s site.
Let’s compare KAST, RedotPay, EtherFi, Bybit, Bitget, and Crypto.com, what limits your earnings, and how likely you are to hit the advertised rates when you spend normally.
What Is Cashback on Crypto Cards
Cashback is simple on paper: you spend, and you get a percentage back.
Crypto cards complicate that. The percentage you see upfront is just the starting point.
What you actually receive, when you can use it, and what reduces it all matter just as much.
Three Questions That Matter
- What do you receive? You might get a volatile token, a stablecoin or USD value, or an internal points system.
- When can you use it? Some cards credit instantly. Others wait for settlement. Some make you manually redeem before you can spend it.
- What reduces your real cashback? Caps, thresholds, category rules, tiers, promo windows, exclusions, and refunds. All of these lower your effective rate, even if the headline number looks great.
That’s why the cashback number alone is not enough.
Common Cashback Mechanics
| Cashback mechanic | What it means |
|---|---|
| Tier-based | Your rate depends on the tier you hold |
| Capped | You stop earning after hitting a limit |
| Threshold-based | Your rate drops after a certain spend |
| Category-boosted | Higher rates only apply to specific merchants |
| Promo-driven | Best rates only exist during campaigns with conditions |
If you want something you can estimate month to month without tracking rules, the best setup is the one with the fewest conditions. Simple as that.
Crypto Card Cashback Comparison
This is a cashback-only breakdown. Nothing else.
KAST Cashback
KAST has three tiers: Standard, Premium, and Private.
KAST rewards are tier-based: USD cashback, plus extra rewards on paid tiers (KAST Points).
Cashback follows Locked → Redeemable → Redeemed and auto-applies after you redeem.
| KAST cashback | What to know |
|---|---|
| Cashback type | Tier-based USD cashback |
| Rates | 1.5% / 2% / 3% |
| Monthly cap | $2k / $10k / $40k eligible spend |
| Extra rewards | Premium: +1% points/Private: +2% points |
RedotPay Cashback
RedotPay has a capped cashback structure, in a limited-time campaign.
It offers 1.5% cashback, applied to the first three transactions per day, with a maximum of $10 in daily rewards.
The effective cashback depends on how your spending is distributed across transactions and whether you reach the daily cap.
| RedotPay Cashback | What to know |
|---|---|
| Base rate | 1.50% |
| Main limits | First 3 transactions/day, max $10/day |
| Higher rates | Referral/promo dependent |
What this means for you: if you make more than three payments a day, the extra ones earn nothing. If you spend more, you hit the $10 cap and stop earning.
EtherFi Cash Card Cashback
EtherFi is structured as base rewards plus conditions.
You may get up to 3% cashback up to a spending threshold, and then the rate drops. Rewards are paid in wETH.
So you’re tracking thresholds, categories, and unlock conditions if you want the higher numbers.
| EtherFi cashback | What to know |
|---|---|
| Base rate | 3% up to a threshold, then lower |
| Upside | Category boosts with unlock conditions |
| Reward currency | wETH |
Bybit Card Cashback
Bybit ties cashback to campaigns and monthly spending.
The cashback rewards are tied to monthly spending. The headline rates are campaign-based and tied to monthly spending tiers.
The top advertised rate typically requires very high monthly spend and is subject to caps, time windows, eligibility, and region-specific rules.
It is also given in points instead of regular cashback. They come with caps, time limits, and region rules.
So the rate depends on whether a campaign is active, whether you qualify, and whether you stay within the limits.
| Bybit cashback | What to know |
|---|---|
| How it’s offered | Monthly Spending |
| Headline upside | Up to 10% |
| What changes the rate | Caps, timing, eligibility, region |
Bitget Card Cashback
Bitget has announced cashback, but it’s not fully live yet.
The plan is BGB cashback, but the actual rate, caps, and rules haven’t been finalized.
So there’s nothing concrete to evaluate yet.
| Bitget cashback | What to know |
|---|---|
| Status | Announced |
| Reward currency | BGB |
| Main unknowns | Rate, caps, eligibility |
Crypto.com Card Cashback
Crypto.com uses tiers.
It advertises up to 5% cashback, paid in CRO, but your rate depends on the tier you’re in and how much CRO you lock in for staking.
For example, to reach the 5% CRO rewards, you must stake $500,00 worth of CRO.
So your actual cashback depends on your tier setup and local terms.
| Crypto.com cashback | What to know |
|---|---|
| Headline upside | Up to 5% |
| Reward currency | CRO |
| Main variables | Tier + region rules |
Full Cashback Comparison
| Feature | KAST | RedotPay | EtherFi Cash Card | Bybit Card | Bitget Card | Crypto.com Card |
|---|---|---|---|---|---|---|
| Cashback type | Tier-based USD cashback + KAST points | Capped (first 3 transactions/day) | Threshold-based + category boosts with unlock conditions | Campaign/points-based with monthly spending requirements | Announced token cashback (not fully live) | Tier-based CRO cashback (staking-dependent) |
| Headline rewards | Up to 3% cashback + 2% points | 1.5% cashback (limited-time campaign) | 3% cashback up to a spend threshold | Up to 10% (requires $25,000/month spend to reach the top tier) | TBD (rate/caps not finalized) | Up to 5% (top tier requires $500,000 CRO stake) |
| Reward currency | USD + KAST Points | Varies | wETH | Points | BGB (planned) | CRO |
| Biggest limiter | Tier eligibility | Daily transaction + reward cap | Thresholds + unlocks (and tracking category rules) | Campaign rules + high spend requirements | Not live yet | Staking tier + region terms |
| Best fit | Predictable rewards | Light daily spend with few transactions | Users optimizing ETH-based rewards | Promo optimizers / high spenders | Wait-and-see users | CRO tier users |
Which Crypto Card Cashback Makes Sense
If you care about cashback and nothing else, the decision is pretty simple. Some cards offer higher headline rates, but only if you track categories, hit thresholds, or catch promos at the right time.
Miss one condition and your rate drops. Others keep it predictable, where you know what you’ll earn before you spend. So it comes down to how involved you want to be.
If you’re fine optimizing, you can squeeze out higher returns. If not, a steady, transparent setup will usually win over time.
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