Bitwala Card vs PENGU Card
Crypto native
Crypto native
Verdict
- PENGU Card scores higher overall (7.3 vs 7.0 out of 10).
- Bitwala Card is clearly stronger on: Custody & security.
- PENGU Card is clearly stronger on: Fees, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitwala Card is a good fit for
- Stablecoin holders
Stronger on: Custody & security
PENGU Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, Product features
★ 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 | Bitwala Card | PENGU Card |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | – | 51 |
| Availability | 100 | 100 |
| FX & international | – | – |
| Product features | 58 | 70 |
| Custody & security | 70 | 60 |
| Credit & financing | 30 | – |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 6.7 |
| Best for Travel | 6.6 | 6.7 |
| Best for DeFi Users | 6.2 | 6.5 |
| Best for Stablecoins | 6.8 | n/a |
| Best for High Spenders | n/a | 6.2 |
| Best for Low Fees | 7.6 | 8.0 |
| Best for Beginners | 7.9 | 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
Debit cardShow source
Stablecoin cardShow source
Network
VisaShow source
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Self-custodial crypto wallet; euros held in the Bitwala account
CustodialShow source
Card issuer / program manager
KASTShow source
Tiers / plans
Standard · Premium · PrivateShow source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Free tier; $1,000/year and $10,000/year tiers
Monthly fee
FreeShow source
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
Virtual card fee
€0.99Show source
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
ATM fee
€2 + 1%Show source
Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
Cashback & rewards
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
Reward exclusions
Some merchant categoriesShow source
Credit & financing
Credit line
NoShow source
Availability
Available in
EEAShow source
GlobalConditions apply: tap or hover for detailsShow source
170+ countries
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesShow source
Spendable assets
BTC · ETH · USDC · EURShow source
USDT · USDC · PENGUConditions apply: tap or hover for detailsShow source
Plus 25+ other coins and stablecoins on 10+ chains
Annual cost at 1,500 EUR/month
Bitwala Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−36 EUR
- Cashbackunknown
- 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