Tria Card vs KAST Card (August 2026)
Tria pays more than KAST at every spend level I compute, often by more than double — but KAST's Standard tier is genuinely free and works in more countries, while Tria's best rate costs $250/year and is US-only.
Last verified: 2026-07-23
Head to head, computed
Both cards run through the same engine at three spend levels in US — the region they both actually operate in — with no foreign-currency spend. Each cell shows the best tier that card can reach at that spend.
| Monthly spend | Tria Card | KAST Card | Winner |
|---|---|---|---|
| $500 | 2.68%$13/mo · Signature | 1.50%$8/mo · Standard | Tria Card |
| $1,000 | 3.92%$39/mo · Premium | 1.50%$15/mo · Standard | Tria Card |
| $5,000 | 2.58%$129/mo · Premium | 1.50%$75/mo · Standard | Tria Card |
The engine assumes you can reach whichever tier is cheapest overall — including tiers gated behind loyalty points or a subscription — and charges that tier's cost against the reward. Where a tier's eligibility isn't publicly documented, that's stated on the card's own review. Full rules at /methodology.
Which one wins, and when
Maximising cashback in the US
TriaTria's Premium tier clears KAST's Standard at every spend level tested. KAST's flat 1.5%, capped at the first $2,000/month, simply doesn't compete on rate.
You don't want to pay an annual fee
KASTKAST Standard costs nothing and pays 1.5%. Every Tria tier carries an annual fee — $25 Virtual, $109 Signature, $250 Premium.
You're outside the US
KASTTria is US-only in this dataset. KAST is confirmed working in the US, Australia, the UK and France — checked firsthand through its own signup flow, not from its marketing pages.
Heavy foreign-currency spend
KASTA rare case where the lower-rate card wins: KAST charges 1.75% FX against Tria's 3%, which closes much of the rate gap on foreign spend.
You're considering KAST Premium or Private
TriaKAST's paid tiers are not a cashback play at any normal spend. Premium's extra 0.5% needs roughly $16,700/month to break even on its $1,000/year fee; Private needs about $83,300/month.
Where to go next
FAQ
Is KAST Premium worth $1,000 a year?
Not for the cashback. The extra 0.5% over the free Standard tier needs roughly $16,700/month in spend to cover the fee. Those tiers sell KAST Points multipliers, concierge access and a metal card — not a better rate.
Which one works in my country?
KAST covers more ground. It's confirmed working in the US, Australia, the UK and France, and confirmed not working in Canada. Tria is US-only in this dataset.
Which pays cashback in a more stable asset?
Both are stable. Tria pays USDT via Arbitrum; KAST pays in USD funded from USDC, USDT or USDe. Neither carries reward-token price risk.
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