CoinZoom Visa Card

by CoinZoomCrypto nativeVisa

6.3

Provisional

Visa debit card of the US exchange CoinZoom that converts any asset in the CoinZoom wallet to USD at the point of sale. Crypto back from 0.5% to 5% depending on how many ZOOM tokens are held (Prime tiers Silver to Black), no annual fee, no CoinZoom ATM fee.

Fresh · verified today

Cashback4.8Travel8.1DeFi users6.0Stablecoins7.2High spenders5.6Low fees9.1Beginners6.9

Base cashback

0.5%

Max cashback

Base fee

Free

FX fee

ATM fee

Free

Card fee

Credit line

Staking needed

Yes

Tap a value for its source. * = conditions apply.

At a glance

Pros

No annual or monthly fee on the base tier
No FX markup from the issuer
Spends stablecoins directly

Cons

Top rate of 5% only with conditions — Black tier: hold 300,000 ZOOM
Higher rewards require staking or holding ZOOM
Cashback paid in a volatile token (ZOOM)

Good for

Stablecoin holders
Frequent travellers

Not for

Users who insist on self-custody
Anyone unwilling to lock up a platform token

Risks to understand

Staking/holding requirements expose you to the price risk of the platform token.
Token rewards can lose value between earning and selling.
Stablecoins can de-peg and are not covered by deposit protection.
Custodial: your crypto is held by the provider — counterparty and insolvency risk.

★ Our pickEditorial choice · score unchanged · Affiliate link

The card we recommend as an alternative to CoinZoom Visa Card:

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 & sources CoinZoom Visa Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

All details

Fees9/15

Annual fee: FreeConditions apply: tap or hover for detailsShow source
On every tier
Physical card fee: $5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
Virtual card fee: FreeShow source
Replacement fee: FreeConditions apply: tap or hover for detailsShow source
Card replacement listed as free under CoinZoom Visa Card fees
FX fee: 0%Conditions apply: tap or hover for detailsShow source
Network conversion rates may apply
Crypto conversion fee: 1.49%Conditions apply: tap or hover for detailsShow source
Crypto liquidation when spending crypto
Top-up fee: FreeConditions apply: tap or hover for detailsShow source
ACH and RTP free; debit/credit card and Apple/Google Pay deposits 3.99%; wire $12
ATM fee: FreeConditions apply: tap or hover for detailsShow source
No CoinZoom fee, domestic and international; ATM operators may charge
Other fees & markups: Virtual card reissuance 1,000 ZOOM · Chargebacks $100 · Card declined (insufficient funds) $0.50Conditions apply: tap or hover for detailsShow source
Listed under CoinZoom Visa Card fees

Not yet researched: Monthly fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee.

Cashback & rewards7/14

Base cashback: 0.5%Conditions apply: tap or hover for detailsShow source
Non-Prime, no ZOOM required
Max cashback: 5%Conditions apply: tap or hover for detailsShow source
Black tier: hold 300,000 ZOOM
Cashback paid in: ZOOMShow source
Cashback type: Platform tokenShow source
Cashback conditions: Higher reward tiers (CoinZoom Prime) require holding at least 10,000 ZOOM; higher tiers need larger ZOOM holdings, with no annual resetConditions apply: tap or hover for detailsShow source
Page example: spending $500 a month for a year earns $120 in free crypto on a Gold Card and $300 on a Black card
Staking / holding required for top rewards: YesConditions apply: tap or hover for detailsShow source
Holding ZOOM, no lock-up
Staking asset: ZOOMShow source

Not yet researched: Interest on balance, Cashback-eligible spend cap, Max cashback per month, Capital required for top rewards, Minimum balance, Reward expiry / vesting, Reward exclusions.

Credit & financing2/11

Credit line: NoShow source
Spend own balance directly: YesShow source

Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend by borrowing against collateral.

Supported countries & currencies1/4

Account / spend currencies: USDConditions apply: tap or hover for detailsShow source
Crypto converted to USD at the point of sale

Not yet researched: Available in, Not available in, Own IBAN / bank details.

Features, wallets & supported assets4/11

Physical card: YesShow source
Virtual card: YesShow source
ATM withdrawals: YesShow source
Spend stablecoins: YesShow source

Not yet researched: Apple Pay, Google Pay, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.

Security & custody1/3

Regulation / licences: FinCEN MSB · Licensed money transmitter in applicable jurisdictionsConditions apply: tap or hover for detailsShow source
Stated for CoinZoom, Inc. in the page footer

Not yet researched: Deposit protection, Smart-contract risk.

Limits2/2

ATM limit: $200Conditions apply: tap or hover for detailsShow source
Per day, Non-Prime
Spending limit: $200Conditions apply: tap or hover for detailsShow source
Daily POS limit, Non-Prime; Silver $250, Gold $2,500, Diamond $500, Black $250 (as stated on page)

Product5/7

Product status: ActiveShow source
Card type: Debit cardShow source
Network: VisaShow source
Custody model: CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
Tiers / plans: Non-Prime · Silver · Gold · Diamond · BlackConditions apply: tap or hover for detailsShow source
Black (labelled "Most rewards") is listed right after Diamond (quote kept under ~200 characters). Tiers unlocked by ZOOM holdings; Prime membership starts at 10,000 ZOOM. Per-tier details (reward rates, ZOOM amounts) are not in the page text ("Loading tier data")

Not yet researched: Launch date, Card issuer / program manager.

Our rating

Criterion	Weight	Score
Fees Base-tier subscription ≈ €0/year · Per-transaction costs ≈ 1.49%	20%	82
Cashback & rewards Paid in a volatile token (−10 %) · Top rate requires staking/holding (−30 % on the max component)	20%	18
Availability	15%	No data — excluded
FX & international FX fee 0%	10%	100
Product features 4 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection)	10%	70
Custody & security Custody model: custodial · Regulated / protected (+15)	10%	75
Credit & financing No credit line	5%	30
Limits & ATM ATM cost on €200 ≈ 0.0%	5%	100
Transparency 7 of 7 checked key terms disclosed · 1 contradiction(s) between official sources	5%	93

Data coverage 85%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.

Computed by a fixed formula; affiliate relationships have no influence. How we score

FAQ

Does CoinZoom Visa Card have an annual or monthly fee?

Base tier: Free (On every tier). Source: CoinZoom Visa Debit Card — Up to 5% Crypto Back.

What is the FX fee of CoinZoom Visa Card?

0% (Network conversion rates may apply). Source: CoinZoom Visa Debit Card — Up to 5% Crypto Back.

How much cashback does CoinZoom Visa Card pay?

Base rate: 0.5% (Non-Prime, no ZOOM required). Highest advertised rate: 5% (Black tier: hold 300,000 ZOOM). Paid in ZOOM.

Is CoinZoom Visa Card a credit card?

No. It is a debit card; you spend your own balance.

Is CoinZoom Visa Card self-custodial?

Custodial (Spends assets held in the CoinZoom wallet).

Change history34 entries

Other fees & markups ["Declined card payment (insufficient funds) $0.50","Chargeback $100","Virtual card reissuance 1,000 ZOOM"] → ["Virtual card reissuance 1,000 ZOOM","Chargebacks $100","Card declined (insufficient funds) $0.50"] · 25 October 2026 · approved
Replacement fee not disclosed → {"amount":0,"currency":"USD"} · 25 October 2026 · approved
Regulation / licences not disclosed → ["FinCEN MSB","Licensed money transmitter in applicable jurisdictions"] · 25 October 2026 · approved
Spending limit not disclosed → {"amount":200,"currency":"USD"} · 25 October 2026 · approved
Account / spend currencies not disclosed → ["USD"] · 25 October 2026 · approved
Spend own balance directly not disclosed → true · 25 October 2026 · approved
Cashback conditions ["Silver 1% (10,000 ZOOM), Gold 2% (50,000), Diamond 3% (150,000), Black 5% (300,000)"] → ["Higher reward tiers (CoinZoom Prime) require holding at least 10,000 ZOOM; higher tiers need larger ZOOM holdings, with no annual reset"] · 25 October 2026 · approved
Tiers / plans ["Non-Prime","Silver (10,000 ZOOM)","Gold (50,000 ZOOM)","Diamond (150,000 ZOOM)","Black (300,000 ZOOM)"] → ["Non-Prime","Silver","Gold","Diamond","Black"] · 25 October 2026 · approved
FX fee recorded · 22 October 2026 · auto-approved
Crypto conversion fee recorded · 22 October 2026 · auto-approved
ATM fee recorded · 22 October 2026 · auto-approved
Top-up fee recorded · 22 October 2026 · auto-approved
Other fees & markups recorded · 22 October 2026 · auto-approved
Base cashback recorded · 22 October 2026 · auto-approved
Max cashback recorded · 22 October 2026 · auto-approved
Cashback paid in recorded · 22 October 2026 · auto-approved
Cashback type recorded · 22 October 2026 · auto-approved
Product status recorded · 22 October 2026 · auto-approved
Staking / holding required for top rewards recorded · 22 October 2026 · auto-approved
Staking asset recorded · 22 October 2026 · auto-approved
Credit line recorded · 22 October 2026 · auto-approved
Virtual card recorded · 22 October 2026 · auto-approved
Physical card recorded · 22 October 2026 · auto-approved
ATM withdrawals recorded · 22 October 2026 · auto-approved
Spend stablecoins recorded · 22 October 2026 · auto-approved

Sources (3)

CoinZoom Visa Debit Card — Up to 5% Crypto Back
Official product page · tier 1
CoinZoom Prime — Choose Your Card
Official pricing / fee schedule · tier 1
Fees & Limits — CoinZoom
Official pricing / fee schedule · tier 1

Verification status

Product checked25 October 2026
Pricing checked25 October 2026
Rewards checked25 October 2026
Availability checked25 October 2026
Terms checked25 October 2026
Affiliate checkedNot yet

2 open research note(s)

Conflict: daily POS limits differ between the Prime page (Gold $5,000, Diamond $7,500, Black $10,000) and the Fees & Limits table (Gold $2,500, Diamond $500, Black $250); the card page FAQ says Gold $2,500 and Black $10,000.
Card availability by country is not stated (the app is 'available in 169 countries') — not recorded.

Last data change: today.