Important: Your Reserve Reward rate depends on your KAST membership tier. Higher membership tiers may qualify for higher promotional reward rates and larger reward caps, subject to the current program terms.
How Reserve Reward Rates Work
Reserve Rewards are promotional cashback rewards you can earn by keeping eligible USD in your KAST Reserve Account.
Your reward rate depends on:
- Your KAST membership tier
- Your eligible Reserve balance
- Any applicable reward caps
- The current program terms
Reserve Rewards are not interest, APY, yield, or an investment return. They are funded by KAST as a promotional benefit and may change, pause, or end according to the Terms.
Current Reserve Reward Rates
During the boosted introductory period, eligible members can receive the following annual Reserve Reward rates.
| Membership Tier | Annual Membership Fee | Reserve Reward Rate | Reward Cap |
|---|---|---|---|
| Standard | $0 | 6% | No individual cap currently stated |
| Premium | $1,000/year | Up to 9% | Up to $50,000 |
| Private | $10,000/year | Up to 12% | Up to $200,000 |
Boosted introductory rate. Variable, set at KAST's discretion. Ends 31 December 2026 or when total Reserve deposits reach $100M, whichever comes first. Then reverts to the standard rate. T&Cs apply.
For Premium and Private members, any eligible Reserve balance above the reward cap earns the Standard Reserve Reward rate under the current program terms.
The boosted introductory rates are available until 31 December 2026 or until total Reserve deposits reach $100 million, whichever comes first. Standard reward rates apply after the promotional period ends.
Membership Comparison
Standard
Standard membership gives you access to Reserve Rewards with no annual membership fee.
Eligible Reserve balances currently earn a 6% promotional reward rate.
Premium
Premium membership increases your Reserve Reward rate to up to 9% on eligible Reserve balances up to $50,000. Any eligible balance above the reward cap earns the Standard Reserve Reward rate, which is 6%.
Private
Private membership offers the highest promotional Reserve Reward rate of up to 12% on eligible Reserve balances up to $200,000.
Any eligible balance above the reward cap earns the Standard Reserve Reward rate, which is 6%.
Understanding Reward Caps
Reward caps determine how much of your eligible Reserve balance earns your membership tier's promotional reward rate.
For example, if you're a Premium member with $80,000 in Reserve:
- The first $50,000 earns 9%
- The remaining $30,000 earns the Standard Reserve Reward rate
Your total reward is calculated by combining the rewards earned across both balance portions.
Note: The higher promotional reward rate applies only to the eligible balance within your membership tier's reward cap.
Membership Fee Comparison
The table below shows the approximate Reserve balance needed for the additional promotional reward rate to offset the annual membership fee. These are simplified examples and do not guarantee future rewards.
| Membership | Additional Reward Rate vs Standard | Annual Fee | Approximate Break-even Reserve Balance |
|---|---|---|---|
| Premium | +3% | $1,000/year | About $33,334 |
| Private | +6% | $10,000/year | About $166,667 |
These estimates compare only Reserve Rewards with the annual membership fee. They do not include any additional membership benefits.
Example Annual Reward Comparison
The examples below illustrate how the current promotional reward rates compare at different eligible Reserve balances.
| Eligible Reserve Balance | Standard (6%) | Premium (9%) | Private (12%) |
|---|---|---|---|
| $10,000 | $600 | $900 | $1,200 |
| $25,000 | $1,500 | $2,250 | $3,000 |
| $50,000 | $3,000 | $4,500 | $6,000 |
| $100,000 | $6,000 | $7,500* | $12,000 |
| $200,000 | $12,000 | $13,500* | $24,000 |
- For Premium membership, the 9% promotional reward rate applies only to the first $50,000 of eligible Reserve balance. The remaining eligible balance earns the Standard Reserve Reward rate under the current program terms.
Note: These examples are for illustration only. Actual Reserve Rewards depend on your eligible Reserve balance, membership tier, reward caps, balance changes during the day, and the current program terms.
Important Things to Know
- Reserve Rewards are promotional cashback rewards funded by KAST.
- Reserve Rewards are not interest, APY, yield, or an investment return.
- Reward rates, eligibility requirements, reward caps, and availability may change according to the current program terms.
- Reserve funds are not insured and are not risk-free.
- Reserve funds remain available to spend or move at any time.
Frequently Asked Questions
Which Reserve Reward Rate Applies to Me?
Your Reserve reward rate depends on your current KAST membership tier, eligible Reserve balance, and the applicable program terms. You can view your current membership tier and available Reserve benefits in the KAST app.
What Are the Current Reserve Reward Rates?
During the boosted introductory period, the current rates are 6% for Standard, up to 9% for Premium on eligible balances up to $50,000, and up to 12% for Private on eligible balances up to $200,000. Rates may change, so always check the KAST app and current program terms for the latest information.
Do Standard, Premium, and Private Members Earn Different Reward Rates?
Yes. Each membership tier has its own Reserve reward rate and may include different reward caps or benefits.
What Is a Reward Cap?
A reward cap is the maximum eligible Reserve balance that can earn your membership tier’s higher reward rate. Any eligible balance above the cap earns the applicable lower reward rate under the current program terms.
What Happens if My Reserve Balance Exceeds the Reward Cap?
If your eligible Reserve balance is above your membership tier’s reward cap, your balance is split into portions. The amount within the cap earns your tier’s higher reward rate, while the remaining eligible balance earns the applicable lower reward rate.
For example, if you’re a Premium member with $80,000 in Reserve, the first $50,000 earns the Premium promotional reward rate, while the remaining $30,000 earns the Standard Reserve Reward rate under the current program terms.
Can I Upgrade My Membership to Earn Higher Reserve Rewards?
Yes. If you upgrade to a higher membership tier, you may become eligible for a higher Reserve reward rate and a higher reward cap, subject to the current program terms. Learn more in How Do I Upgrade, Downgrade, or Cancel My KAST Membership?
Do I Need to Open a New Reserve Account After Upgrading?
No. Your existing Reserve Account stays the same. Any changes to your eligible reward rate or reward cap are applied according to your new membership tier.
What Happens if I Downgrade My Membership?
Your Reserve Account remains active. If you move to a lower membership tier, your eligible reward rate and reward cap change to those available for your new membership tier. Previously credited Reserve rewards are not affected.
When Does My New Reward Rate Take Effect?
If your membership tier changes, your updated reward rate is typically applied from the next daily reward calculation.
Can My Reserve Reward Rate Change Without Changing My Membership?
Yes. Reserve reward rates are promotional and may change according to the current program terms, even if your membership tier remains the same.
Will Upgrading Increase Rewards I’ve Already Received?
No. Upgrading affects future Reserve reward calculations only. Previously credited Reserve rewards remain unchanged.
Is There a Limit to How Much I Can Earn?
Your rewards depend on your eligible Reserve balance, membership tier, applicable reward caps, balance changes, timing, and the current program terms.
Which Membership Offers the Highest Reserve Reward Rate?
Under the current program terms, Private offers the highest boosted introductory Reserve reward rate. Check the KAST app for the latest rates and eligibility requirements.
Do Reserve Reward Rates Change After the Introductory Promotion Ends?
Yes. Promotional reward rates may change when the promotional period ends or when the promotion reaches its stated limit, according to the current program terms.
Can I Lose My Higher Reward Rate?
Yes. If your membership tier changes or the current program terms are updated, your eligible Reserve reward rate may also change.
Where Can I See the Current Reward Rates and Reward Caps?
The latest Reserve reward rates, reward caps, and applicable terms are available in the Accounts tab within the KAST app.
Who Should I Contact if I Think the Wrong Reward Rate Was Applied?
If you believe the incorrect Reserve reward rate was applied to your account, contact Concierge through the KAST app. The team can review your membership tier, eligible Reserve balance, and reward calculation.\
Related to