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KOSH Global Card vs PENGU Card

KOSH Global Card

Crypto native

7.3
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PENGU Card

Crypto native

7.3
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Verdict

  • KOSH Global Card and PENGU Card have the same overall score (7.3/10).
  • KOSH Global Card is clearly stronger on: Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

KOSH Global Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Custody & security

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:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesKOSH Global Card vs ether.fi CashPENGU Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionKOSH Global CardPENGU Card
Fees96100
Cashback & rewards4951
Availability100100
FX & international20–
Product features7070
Custody & security8060
Credit & financing75–
Limits & ATM71–
Transparency100100
Best for Cashback6.66.7
Best for Travel5.96.7
Best for Self-Custody7.2n/a
Best for DeFi Users7.36.5
Best for Stablecoins6.7n/a
Best for High Spenders6.06.2
Best for Low Fees7.48.0
Best for Beginners8.58.4
Best Crypto Credit Card7.7n/a

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

Crypto-backed creditShow source
Stablecoin cardShow source

Network

VisaShow source
VisaShow source

Custody model

Self-custodyShow source
CustodialShow source

Card issuer / program manager

Third National (issuer); Piers Technology Inc. (KOSH, technology provider)Show source
KASTShow source

Tiers / plans

No data yet
Standard · Premium · PrivateShow source

Fees

Annual fee

$10/yearShow source
FreeConditions apply: tap or hover for detailsShow source

Free tier; $1,000/year and $10,000/year tiers

Monthly fee

FreeShow source
No data yet

Physical card fee

$100Conditions apply: tap or hover for detailsShow source

Fee table accurate as of September 1, 2025

No data yet

Virtual card fee

$10Show source
No data yet

FX fee

2%Conditions apply: tap or hover for detailsShow source

Plus US $0.30 per international transaction; product page advertises 1.5% FX

No data yet

ATM fee

$1 + 1%Conditions apply: tap or hover for detailsShow source

Plus FX if applicable; $1 balance enquiry and $1 decline fees

No data yet

Other fees & markups

International transaction fee US $0.30 + 2% FX · ATM balance enquiry US $1 · ATM decline US $1 · Copying fee US $10 · Late payment US $30 first, US $40 subsequentShow source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Derived: 1 point per $1 spent, 100 points = $1 redemption value; points not cash

1.5%Conditions apply: tap or hover for detailsShow source

Free tier

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Hotel bookings only; rates subject to rewards program terms

3%Conditions apply: tap or hover for detailsShow source

$10,000/year tier

Cashback type

PointsShow source
No data yet

Interest on balance

6%Conditions apply: tap or hover for detailsShow source

Page states 4 to 6% here but "up to 4%" in footer; savings product, not card

12%Conditions apply: tap or hover for detailsShow source

Up to; Reserve account, 8% on Free tier

Cashback-eligible spend cap

No data yet
$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

Multipliers apply only up to a monthly points-eligible spend limit shown in app · Cashback credited as KOSH Rewards, must be claimed to card above a minimum · Rewards reversed on refunds/chargebacksShow source
No data yet

Reward expiry / vesting

Points: no general expiry while account open; campaign points/KOSH Rewards may expire per campaign; all rewards forfeited on account closureShow source
No data yet

Reward exclusions

Transactions made primarily to generate rewards · Manufactured spend, circular transactionsShow source
Some merchant categoriesShow source

Credit & financing

Credit line

YesShow source
No data yet

Credit type

Crypto-backed creditShow source
No data yet

Max loan-to-value

100%Conditions apply: tap or hover for detailsShow source

Spending limit equals collateral market value (1:1)

No data yet

Interest (APR)

0%Conditions apply: tap or hover for detailsShow source

Issuer reserves right to introduce interest in the future

No data yet

Grace period

Liquidation if payment not made within one calendar day; issuer may allow extra graceShow source
No data yet

Liquidation risk

YesShow source
No data yet

Availability

Available in

GlobalConditions apply: tap or hover for detailsShow source

Used in 90+ countries

GlobalConditions apply: tap or hover for detailsShow source

170+ countries

Not available in

United StatesConditions apply: tap or hover for detailsShow source

International terms for non-US persons; separate US terms exist

No data yet

Account / spend currencies

USDShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Virtual USD, EUR, GBP, AED and SWIFT accounts

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

No data yet
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

USDC and USDT balance

No data yet

Spendable assets

USD · USDCConditions apply: tap or hover for detailsShow source

Card collateralized by KOSH USD balance; USDC can be added

USDT · USDC · PENGUConditions apply: tap or hover for detailsShow source

Plus 25+ other coins and stablecoins on 10+ chains

Blockchains

Ethereum · Polygon · Optimism · ArbitrumShow source
No data yet

Annual cost at 1,500 EUR/month

KOSH Global Card

  • Annual & monthly fees−9 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs−23 EUR
  • Cashback+180 EUR
  • Net annual value76 EUR

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

More KOSH Global Card comparisons

    More PENGU Card comparisons