CASHBACK
Verified Benefit
VIRTUAL CARD
Verified Benefit
APPLE PAY
Verified Benefit
Our Official Verdict
Pudgy Penguins x KAST: 6% Cashback, Free, Virtual-First
The KAST Pengu Card is the free entry to the Pudgy Penguins card collection. With 6% cashback at Free annual fee, it delivers 3x the rewards of the standard K Card's 2% points - and as guaranteed cashback rather than speculative pre-TGE points.
Fees & Charges
Annual Fee
Free
FX Fee
TBD
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USDC, USDT
KAST Pengu Card Review
The KAST Pengu Card is a free co-branded Visa with Pudgy Penguins offering 6% cashback on all purchases at 150M+ merchants across 170+ countries.
6% Cashback, Zero Cost
The KAST Pengu Card is the Standard tier of the Pengu collection - a collaboration between KAST and Pudgy Penguins. At $0 annual fee, it delivers 6% cashback on every purchase. That is 3x the rate of KAST's existing K Card (2% Season 5 points) and it pays in guaranteed cashback rather than speculative pre-TGE points.
The card launches virtual-first. Physical cards are planned for a later date. Virtual cards work immediately with Apple Pay and Google Pay at 150M+ Visa merchants in 170+ countries.
Rewards: Cashback vs Points
The Pengu line uses a fundamentally different rewards model than KAST's original cards:
| Feature | Pengu Card (Standard) | K Card (Standard) |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards rate | 6% cashback | 2% Season 5 points |
| Rewards type | Cashback (guaranteed) | Points (speculative, pre-TGE) |
| $MOVE cashback | TBD | 4% on top |
| SOL staking boost | TBD | 0.25x |
The Pengu Card is the better choice if you want guaranteed returns now. The K Card is the better choice if you are betting on the KAST TGE delivering outsized returns from Season 5 points.
Spending and Mechanics
- Network: Visa (150M+ merchants worldwide)
- Regions: 170+ countries, 18+ local currencies
- Assets: USDC, USDT, cash, or cryptocurrency deposits
- Card format: Virtual first (Apple Pay, Google Pay), physical coming later
- KYC: Required (KAST account with identity verification)
Fee Analysis
- Annual fee: $0
- FX/ATM fees: Not yet published (verify in-app)
- Spending/ATM limits: Not yet published
At 6% cashback with $0 annual fee, there is no break-even threshold. Every dollar spent earns $0.06 in cashback from day one.
Pudgy Penguins: The Collab Angle
Pudgy Penguins is one of the most recognized NFT brands with presence in physical retail (Walmart toys), mobile gaming, and the PENGU token on Solana. The Pengu Card brings this brand into everyday payments. Whether the cashback is denominated in PENGU tokens, fiat, or another asset has not been publicly confirmed yet.
Verdict
The KAST Pengu Card is the strongest free crypto card in the KAST ecosystem by raw cashback rate. 6% guaranteed cashback at $0 beats the K Card's 2% speculative points for anyone who values certainty over TGE speculation. For higher rates, consider the Pengu Premium (8%) or Pengu Luxe (12%).
Best for: Users who want the highest guaranteed free-tier cashback in the KAST ecosystem. Look elsewhere if: You are committed to Season 5 points farming for TGE upside - the K Card is the better speculative play.
Fees and break-even math
Annual fee: $0. Break-even: N/A (free, profitable from first purchase). FX/ATM fees and spending limits not yet published. Verify in-app.
Competitor comparison
- KAST K Card: 2% points + 4% $MOVE, $0. Lower guaranteed rate but TGE airdrop upside.
- ether.fi Core: 3% USDC cashback, $0, self-custodial. Half the Pengu rate but guaranteed stablecoin payout.
- Nexo: 2% cashback, 0% FX. Lower rate but confirmed fee structure.
Sources
This is a prepaid card. Merchants that require pre-authorization holds (gas stations, hotels, car rentals, toll booths) may decline it. Fund only what you plan to spend.
Your funds are held by KAST. If the provider faces insolvency, your balance may be at risk. This card does not offer self-custody protection.
Fees shown above are the card's disclosed fees. Additional costs may apply: Visa/Mastercard network spread (typically 0.5-0.9%), crypto-to-fiat conversion spread at point of sale, and blockchain gas fees for on-chain top-ups.
Last verified: Feb 12, 2026 · Data sourced from official KAST documentation. · Methodology
★★★★☆4.5/5 App Store (10 ratings)
