PENGU Card
Pudgy Penguins branded Visa card powered by KAST: deposit cash, USDC/USDT or crypto and spend in 170+ countries. Three tiers: Free (1.5% cashback, Visa Platinum), $1,000/year (2%, Visa Infinite) and $10,000/year (3%), each with a monthly eligible-spend cap and a Reserve account with up to 12% reward rate.
Base cashback
1.5%Conditions apply: tap or hover for detailsShow source
Max cashback
3%Conditions apply: tap or hover for detailsShow source
Base fee
FreeConditions apply: tap or hover for detailsShow source
FX fee
ATM fee
Card fee
Credit line
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- 1.5% base cashback
- Apple Pay and Google Pay
Cons
- Top rate of 3% only with conditions — $10,000/year tier
Good for
Not enough data to say.
Not for
- Users who insist on self-custody
Risks to understand
- Custodial: your crypto is held by the provider — counterparty and insolvency risk.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to PENGU Card:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees1/15
- Annual fee
FreeConditions apply: tap or hover for detailsShow source
Free tier; $1,000/year and $10,000/year tiers
Not yet researched: Monthly fee, Physical card fee, Virtual card fee, Replacement fee, FX fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards4/14
- Base cashback
1.5%Conditions apply: tap or hover for detailsShow source
Free tier
- Max cashback
3%Conditions apply: tap or hover for detailsShow source
$10,000/year tier
- Interest on balance
12%Conditions apply: tap or hover for detailsShow source
Up to; Reserve account, 8% on Free tier
- Cashback-eligible spend cap
$2,000/monthConditions apply: tap or hover for detailsShow source
Monthly eligible spend on the Free tier; $10,000 and $40,000 on higher tiers
Not yet researched: Cashback paid in, Cashback type, Max cashback per month, Cashback conditions, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.
Credit & financing0/11
No credit & financing data published or researched yet.
Supported countries & currencies1/4
- Available in
GlobalConditions apply: tap or hover for detailsShow source
170+ countries
Not yet researched: Not available in, Account / spend currencies, Own IBAN / bank details.
Features, wallets & supported assets5/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Physical card
YesShow source
- Virtual card
YesShow source
- ATM withdrawals
YesShow source
Not yet researched: Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product5/7
- Product status
ActiveShow source
- Card type
Stablecoin cardShow source
- Network
VisaShow source
- Custody model
CustodialShow source
- Card issuer / program manager
KASTShow source
Not yet researched: Launch date, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards Interest on balance 12% (variable) | 20% | 51 |
Availability 60 of 60 tracked countries | 15% | 100 |
FX & international | 10% | No data — excluded |
Product features 5 of 5 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: custodial | 10% | 60 |
Credit & financing | 5% | No data — excluded |
Limits & ATM | 5% | No data — excluded |
Transparency 6 of 6 checked key terms disclosed | 5% | 100 |
Data coverage 80%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does PENGU Card have an annual or monthly fee?
Base tier: Free (Free tier; $1,000/year and $10,000/year tiers). Source: PENGU Card — the Pudgy Penguins card by KAST.
How much cashback does PENGU Card pay?
Base rate: 1.5% (Free tier). Highest advertised rate: 3% ($10,000/year tier).
Where is PENGU Card available?
Global (170+ countries).
Is PENGU Card self-custodial?
Custodial.
Does PENGU Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history16 entries
- Product status recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Cashback-eligible spend cap recorded · 22 October 2026 · auto-approved
- Interest on balance recorded · 22 October 2026 · auto-approved
- Available in recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved
- ATM withdrawals recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved