This article explains the difference between KAST Business Standard and Business Global Plan. It covers membership fees, cashback, Reserve Rewards, card benefits, and plan-related fees so you can understand which option may fit your business needs.
What KAST Business membership plans are available?
KAST Business has two membership plans: Standard and Business Global Plan.
Every KAST Business account starts on the Standard Plan by default. The Business Global Plan is an optional paid upgrade for businesses that want higher cashback, higher Reserve Rewards Rate, and additional card benefits.
What is included in the Standard Plan?
The Standard Plan is the free KAST Business membership tier. There is no annual membership fee.
With the Standard Plan, your business can earn:
- 2% uncapped cashback on eligible Business card spend
- 4% Reserve Rewards at the Standard Business rate
- Card cashback only
Through the end of 2026, the launch bonus increases Standard Plan rewards to:
- 3% uncapped cashback
- 6% Reserve Rewards (until end of 2026 or the date total Reserve aggregate pool reaches USD 100M, whichever is earlier)
The Standard Plan does not include KAST Points, bonus tasks, or referral rewards.
What is included in the Business Global Plan?
The Business Global Plan is the paid KAST Business membership tier. It costs $10,000 per year and is billed annually up front.
With the Business Global Plan, your business can earn:
- 3% cashback on the first $1 million in eligible card spend per year
- 2% cashback after the first $1 million, with no cap
- 8% Reserve Rewards on the first $200,000
- 4% Reserve Rewards after the first $200,000, with no cap
- Up to 100 cards per account
- The first 10 metal cards free during the first annual term
Through the end of 2026, the launch bonus increases Business Global Plan rewards to:
- 4% cashback on the first $1 million in eligible card spend per year
- 3% cashback after the first $1 million, with no cap
- 12% Reserve Rewards on the first $200,000
- 6% Reserve Rewards after the first $200,000, with no cap
Reserve Rewards promotional rate ends by end of 2026 or the date total Reserve aggregate pool reaches USD 100M, whichever is earlier.
The 100-card limit is a soft cap. If your business needs more cards, you may contact KAST Concierge to review your request.
How does cashback work on KAST Business?
Cashback depends on your KAST Business membership plan.
Standard Plan accounts earn uncapped cashback at the Standard rate. Business Global Plan accounts earn a higher cashback rate on the first $1 million in eligible annual card spend, then continue earning unlimited cashback at the ongoing rate after that.
During the launch bonus period through the end of 2026, both plans receive higher cashback rates.
How does Reserve Rewards work on KAST Business?
Reserve Reward depends on your KAST Business membership plan and, for Business Global Plan, the amount held in Reserve.
Standard Plan accounts earn Reserve Rewards at the Standard Business rate. Business Global Plan accounts earn a higher reward rate on the first $200,000 held in Reserve, then continue earning rewards at the Standard Business rate after that.
During the launch bonus period through the end of 2026, both plans receive higher Reserve Rewards rates. Please see Reserve T&Cs for more details.
Who can view and redeem KAST Business rewards?
KAST Business rewards are pooled across eligible Owner, Admin, and Employee card activity.
Only Owner and Admin users can view and redeem the rewards pool. Employee card activity can contribute to rewards, but Employee users cannot view or redeem the pooled rewards.
Are KAST Points, bonus tasks, or referral rewards included?
No. KAST Business rewards are based on card cashback and Reserve Rewards.
KAST Business does not include KAST Points, bonus tasks, or referral rewards.
What fees apply to both plans?
Some fees apply regardless of whether your business is on Standard or Business Global Plan.
These include:
- FX fee: 1.75%, with a $0.25 minimum
- Virtual cards: Free, subject to fraud and account limits
- Plastic physical card: $40 per card
- Metal physical card: $200 per card
- Deposit and payout fees: The same fees apply across KAST Business plans and match KAST Consumer rates for supported rails such as ACH, wire, and SEPA
Metal card pricing should be treated as pending final internal confirmation before this article is published.
Can I downgrade from Business Global Plan to Standard?
Yes, your business can downgrade from Business Global Plan to Standard.
The Business Global Plan fee is billed annually up front and is non-refundable once paid. If your business downgrades, cashback returns to Standard Plan rates at the next billing cycle, but rewards already earned are kept.
Frequently Asked Questions
What is Reserve Reward?
Reserve Reward is a discretionary, promotional reward offered by KAST as a loyalty benefit. It is offered at KAST’s discretion, is promotional in nature, and may be amended, suspended, or withdrawn in accordance with the applicable Terms.
Do I need to pay to use KAST Business?
No. Every KAST Business account starts on the free Standard Plan by default.
You only need to pay if your business chooses to upgrade to the Business Global Plan for higher cashback, higher Reserve Rewards, and additional card benefits.
How much does the Business Global Plan cost?
The Business Global Plan costs $10,000 per year.
It is billed annually up front. The annual fee is non-refundable once paid.
What is the main difference between Standard and Business Global Plan?
The main difference is the rewards structure.
Standard is free and includes uncapped cashback and Reserve Rewards at Standard rates. Business Global Plan is a paid annual upgrade that gives higher cashback on the first $1 million in yearly eligible card spend, higher Reserve Rewards on the first $200,000 in Reserve, and additional card benefits.
Does the Business Global Plan have unlimited cashback?
Yes. Business Global Plan cashback is unlimited.
Your business earns the higher Global Plan cashback rate on the first $1 million in eligible annual card spend, then continues earning cashback at the ongoing unlimited rate after that.
How long does the launch bonus last?
The launch bonus is available through the end of 2026. For Reserve Rewards, the promotional rate will apply through the end of 2026 or until the the date total Reserve aggregate pool reaches USD 100M, whichever is earlier.
During this period, both Standard and Business Global Plan accounts receive boosted cashback and Reserve Reward rates.
Can Employee cards earn cashback?
Yes. Eligible Employee card spend can contribute to the business rewards pool.
However, only Owner and Admin users can view and redeem rewards.
How many cards can I have on Business Global Plan?
Business Global Plan supports up to 100 cards per account.
This is a soft cap, so businesses that need more cards can contact KAST Concierge to request a review.
Are the first 10 metal cards free?
Yes. The first 10 metal cards are free during the first annual Business Global Plan term.
After that, physical card fees may apply. Metal card pricing should be confirmed before publication.
Are deposit and payout fees different on Business Global Plan?
No. Deposit and payout fees are the same regardless of whether your business uses Standard or Business Global Plan.
These fees match KAST Consumer rates for supported deposit and payout methods, including ACH, wire, SEPA, and other available rails.
Who should choose the Standard Plan?
The Standard Plan may be a good fit if your business wants to use KAST Business without an annual membership fee.
It can also work well if your business wants simple card cashback and Reserve Rewards without needing the higher reward rates or additional card benefits included in the Business Global Plan.
Who should choose the Business Global Plan?
The Business Global Plan may be a good fit if your business has higher card spend, keeps larger balances in Reserve, or wants additional card benefits.
It may be especially useful for businesses that expect enough annual card spend or Reserve balance to make the higher cashback and Reserve Reward rates valuable.
Related to