CASHBACK
Verified Benefit
VIRTUAL CARD
Verified Benefit
APPLE PAY
Verified Benefit
Our Official Verdict
Pudgy Penguins Premium: 8% Cashback on Every Swipe
The KAST Pengu Premium Card delivers 8% cashback as part of the Pudgy Penguins collection. Pricing is not yet confirmed - check the KAST app for current availability.
Fees & Charges
Annual Fee
TBD
FX Fee
TBD
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USDC, USDT
KAST Pengu Premium Card Review
The KAST Pengu Premium Card is a co-branded Visa with Pudgy Penguins offering 8% cashback on all purchases at 150M+ merchants across 170+ countries.
8% Cashback in the Pengu Collection
The KAST Pengu Premium Card is the mid-tier of the Pudgy Penguins collaboration. It delivers 8% cashback on every purchase - matching the rate of KAST's Solana Gold Card ($10,000/yr Luxe tier) but as guaranteed cashback rather than speculative Season 5 points.
Pricing for the Premium Pengu tier has not been publicly confirmed. The card launches virtual-first with Apple Pay and Google Pay at 150M+ Visa merchants in 170+ countries.
Pengu Premium vs KAST's Existing Premium
| Feature | Pengu Premium | X Card (Premium) | Solana Gold (Luxe) |
|---|---|---|---|
| Annual fee | TBD | $1,000 | $10,000 |
| Rewards rate | 8% cashback | 5% points | 8% points |
| Rewards type | Cashback (guaranteed) | Points (speculative) | Points (speculative) |
| Card material | Virtual first | 100% chromoly 32g | 24K gold plated |
| $MOVE cashback | TBD | 4% | 4% |
| VIP concierge | TBD | No | Yes |
The Pengu Premium matches the Solana Gold's 8% rate but with guaranteed cashback instead of speculative points. The key unknown is pricing: if the Pengu Premium costs less than $10,000/yr, it becomes a strictly better deal on a cashback-per-dollar basis.
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: Not yet published
- FX/ATM fees: Not yet published
- Spending/ATM limits: Not yet published
Without confirmed pricing, break-even math is not possible. At 8% cashback, the formula is: break-even = annual fee / 0.08. For example, a $1,000/yr fee would break even at $12,500/yr ($1,042/mo) - significantly lower than the Solana Gold's $125,000/yr break-even.
ROI Scenarios (Hypothetical)
| If Annual Fee Is... | Break-Even Spend | Monthly Target |
|---|---|---|
| $0 (free) | N/A | Any amount |
| $500 | $6,250/yr | $521/mo |
| $1,000 | $12,500/yr | $1,042/mo |
| $2,500 | $31,250/yr | $2,604/mo |
Verdict
The Pengu Premium's 8% guaranteed cashback is a strong proposition that matches KAST's most expensive existing card (Solana Gold at $10,000/yr) at what is likely a fraction of the cost. The unknown pricing is the only reason to hesitate. For guaranteed 6% at $0, start with the Pengu Card. For maximum 12% cashback, see the Pengu Luxe.
Best for: Users who want premium-tier cashback at a likely lower price point than KAST's existing Luxe tier. Look elsewhere if: You need confirmed pricing before committing - check back when KAST publishes Premium Pengu costs.
Fees and break-even math
Annual fee: TBD. At 8% cashback, break-even = annual fee / 0.08. FX/ATM fees and spending limits not yet published. Verify in-app when available.
Competitor comparison
- KAST X Card: 5% points + 4% $MOVE, $1,000/yr. Lower rate but confirmed pricing and metal card.
- Bybit Supreme: Up to 10% cashback. Higher ceiling but tied to trading volume.
- Crypto.com Icy White: 3% cashback + lounge access. Lower rate but established ecosystem.
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
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