Bitget Wallet Card vs PENGU Card
Crypto native
Crypto native
Verdict
- PENGU Card scores higher overall (7.3 vs 7.2 out of 10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitget Wallet Card is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
PENGU Card is a good fit for
- No specific audience can be derived from the published data yet.
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Bitget Wallet Card | PENGU Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 44 | 51 |
| Availability | 100 | 100 |
| FX & international | – | – |
| Product features | 70 | 70 |
| Custody & security | 60 | 60 |
| Credit & financing | – | – |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 6.4 | 6.7 |
| Best for Travel | 6.6 | 6.7 |
| Best for DeFi Users | 6.4 | 6.5 |
| Best for Stablecoins | 7.0 | n/a |
| Best for High Spenders | 5.9 | 6.2 |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 8.3 | 8.4 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Stablecoin cardShow source
Network
Visa / MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
CustodialShow source
Card issuer / program manager
Bitget WalletConditions apply: tap or hover for detailsShow source
Card issuing partners vary by region
KASTShow source
Fees
Annual fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Free tier; $1,000/year and $10,000/year tiers
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Page states no monthly card fee without a currency
Other fees & markups
Top-up and currency conversion fees apply; standard fees apply once the monthly assetback allowance is exceededConditions apply: tap or hover for detailsShow source
Page says assetback typically covers most top-up and currency conversion fees; settlement rates closely match Google's live rates
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Base assetback for all cardholders, within a monthly allowance
1.5%Conditions apply: tap or hover for detailsShow source
Free tier
Max cashback
3%Conditions apply: tap or hover for detailsShow source
New users or after reaching the monthly spending threshold
3%Conditions apply: tap or hover for detailsShow source
$10,000/year tier
Cashback paid in
BTC, gold, US stocks (NVIDIA, Google, Tesla, S&P 500) or USDC (user's choice)Conditions apply: tap or hover for detailsShow source
One reward asset, changeable once per calendar month
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
Cashback conditions
3% after reaching $200–$400 in monthly spending (or as a new user) · Reward asset can be changed once per calendar month by 23:59 (UTC+8) on the last day of the monthConditions apply: tap or hover for detailsShow source
Upgrade conditions and reward limits per rules shown on the card page in the app
Reward exclusions
Certain restricted merchant category codes (MCCs) · Refunded, reversed, or cancelled transactionsShow source
Availability
Available in
EEA, United Kingdom, Argentina, Brazil, Chile, Colombia, EC, SV, GT, Mexico, PA, Peru, South Korea, Japan, Vietnam, Malaysia, CN, TW, Australia, Thailand, Philippines, South Africa, PK, BDConditions apply: tap or hover for detailsShow source
EEA and UK; 10 Latin American markets; South Korea, Japan, Vietnam, Malaysia, mainland China, Taiwan, Australia, Thailand, Philippines; South Africa; Pakistan, Bangladesh. More regions opening soon
GlobalConditions apply: tap or hover for detailsShow source
170+ countries
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Only in South Korea, Japan, Vietnam, Malaysia, Taiwan, Australia, Thailand and the Philippines; more regions rolling out
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDT · USDC · ETH · SOLShow source
Annual cost at 1,500 EUR/month
Bitget Wallet Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
PENGU Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+270 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers