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PENGU Card vs wavecard

PENGU Card

Crypto native

7.3
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wavecard

Crypto native

7.8
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Verdict

  • wavecard scores higher overall (7.8 vs 7.3 out of 10).
  • PENGU Card is clearly stronger on: Fees, Product features.
  • wavecard is clearly stronger on: Cashback & rewards.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

PENGU Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Fees, Product features

wavecard is a good fit for

  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Cashback & rewards

★ 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
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Review & sourcesPENGU Card vs ether.fi Cashwavecard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionPENGU Cardwavecard
Fees10087
Cashback & rewards5175
Availability100100
FX & international–100
Product features7056
Custody & security6060
Credit & financing––
Limits & ATM–20
Transparency100100
Best for Cashback6.77.7
Best for Travel6.77.9
Best for DeFi Users6.56.9
Best for High Spenders6.27.3
Best for Low Fees8.08.2
Best for Beginners8.48.0

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
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialShow source
CustodialConditions apply: tap or hover for detailsShow source

Card funded from the user's Wave Space Crypto account held via partner Lightspark

Card issuer / program manager

KASTShow source
Lightspark Payments Europe AS (partner for financial services); Wave Space acts as distributorConditions apply: tap or hover for detailsShow source

Card issued via white-label arrangement with a third-party provider

Tiers / plans

Standard · Premium · PrivateShow source
No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

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

No data yet

Monthly fee

No data yet
FreeShow source

Physical card fee

No data yet
€29.99Conditions apply: tap or hover for detailsShow source

Tracked delivery free; express delivery €30

Virtual card fee

No data yet
€2.99Show source

FX fee

No data yet
0%Show source

Crypto conversion fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Fee on card payments

ATM fee

No data yet
€2 + 3%Show source

Other fees & markups

No data yet
€30 express delivery for physical card · Network withdrawal fees on crypto withdrawals (may differ from actual network fee) · Possible maintenance fee for accounts inactive 365 daysShow source

Cashback & rewards

Base cashback

1.5%Conditions apply: tap or hover for detailsShow source

Free tier

3%Conditions apply: tap or hover for detailsShow source

Up to 21,000 sats in total

Max cashback

3%Conditions apply: tap or hover for detailsShow source

$10,000/year tier

No data yet

Cashback paid in

No data yet
BTCShow source

Cashback type

No data yet
CryptoShow source

Interest on balance

12%Conditions apply: tap or hover for detailsShow source

Up to; Reserve account, 8% on Free tier

No data yet

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

No data yet

Reward exclusions

Some merchant categoriesShow source
No data yet

Availability

Available in

GlobalConditions apply: tap or hover for detailsShow source

170+ countries

EEAConditions apply: tap or hover for detailsShow source

Residents 18+

Own IBAN / bank details

No data yet
YesShow source

Features

Apple Pay

YesShow source
NoConditions apply: tap or hover for detailsShow source

Only via the Curve app; direct Apple Pay support coming soon

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spendable assets

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

Plus 25+ other coins and stablecoins on 10+ chains

BTCConditions apply: tap or hover for detailsShow source

Bitcoin-only

Blockchains

No data yet
Bitcoin · LightningShow source

Limits

ATM limit

No data yet
€350Conditions apply: tap or hover for detailsShow source

Daily; monthly €3,000

Spending limit

No data yet
€10,000Conditions apply: tap or hover for detailsShow source

Daily and monthly; monthly up to €15,000 with Tier 2 KYC

Annual cost at 1,500 EUR/month

PENGU Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+270 EUR
  • Net annual valuenot enough data

wavecard

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs−60 EUR
  • Cashback+540 EUR
  • Net annual value480 EUR

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More PENGU Card comparisons

More wavecard comparisons