savebackcards.com
DEEN

Bitrefill Card vs CoinZoom Visa Card

Bitrefill Card

Crypto native

6.7
Get the card
CoinZoom Visa Card

Crypto native

6.3
Get the card

Verdict

  • Bitrefill Card scores higher overall (6.7 vs 6.3 out of 10).
  • Bitrefill Card is clearly stronger on: Fees.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bitrefill Card is a good fit for

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

Stronger on: Fees

CoinZoom Visa Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

★ 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 & sourcesBitrefill Card vs ether.fi CashCoinZoom Visa Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitrefill CardCoinZoom Visa Card
Fees10082
Cashback & rewards2418
Availability97–
FX & international–100
Product features7070
Custody & security7075
Credit & financing3030
Limits & ATM–100
Transparency10093
Best for Cashback5.34.8
Best for Travel6.48.1
Best for DeFi Users6.06.0
Best for Stablecoinsn/a7.2
Best for High Spenders4.85.6
Best for Low Fees8.09.1
Best for Beginners8.16.9

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

Prepaid cardConditions apply: tap or hover for detailsShow source

Funded by crypto deposits converted to euros

Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Crypto stays in your own wallet until deposited; card balance in euros held by the card partner

CustodialConditions apply: tap or hover for detailsShow source

Spends assets held in the CoinZoom wallet

Tiers / plans

No data yet
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")

Fees

Annual fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

On every tier

Monthly fee

FreeShow source
No data yet

Physical card fee

FreeShow source
$5Conditions apply: tap or hover for detailsShow source

Standard shipping for Non-Prime ($12 expedited); free from Silver

Virtual card fee

FreeShow source
FreeShow source

Replacement fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Card replacement listed as free under CoinZoom Visa Card fees

FX fee

No data yet
0%Conditions apply: tap or hover for detailsShow source

Network conversion rates may apply

Crypto conversion fee

No data yet
1.49%Conditions apply: tap or hover for detailsShow source

Crypto liquidation when spending crypto

Top-up fee

No data yet
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

No data yet
FreeConditions apply: tap or hover for detailsShow source

No CoinZoom fee, domestic and international; ATM operators may charge

Transfer fee

FreeConditions apply: tap or hover for detailsShow source

SEPA withdrawal of the card balance to your bank account

No data yet

Other fees & markups

No data yet
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

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

On purchases; plus 1% on crypto deposits; paid as Bitrefill store credit

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

Max cashback

2%Conditions apply: tap or hover for detailsShow source

1% on crypto deposits plus 1% on purchases

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

Cashback paid in

EUR store credit on BitrefillShow source
ZOOMShow source

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Store credit for gift cards and eSIMs

Platform tokenShow source

Cashback conditions

No cap per transaction · Cashback never expires · Free 20 GB eSIM each month with deposits over €500Show source
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

No data yet
YesConditions apply: tap or hover for detailsShow source

Holding ZOOM, no lock-up

Staking asset

No data yet
ZOOMShow source

Reward exclusions

Deposits to bank accounts · Cash outs · ATM withdrawalsShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

No data yet
YesShow source

Availability

Available in

Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Norway, IcelandConditions apply: tap or hover for detailsShow source

Not for US or Russian citizens regardless of residency

No data yet

Account / spend currencies

EURShow source
USDConditions apply: tap or hover for detailsShow source

Crypto converted to USD at the point of sale

Features

Google Pay

YesShow source
No data yet

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

No data yet
YesShow source

Limits

ATM limit

No data yet
$200Conditions apply: tap or hover for detailsShow source

Per day, Non-Prime

Spending limit

No data yet
$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)

Security & custody

Regulation / licences

No data yet
FinCEN MSB · Licensed money transmitter in applicable jurisdictionsConditions apply: tap or hover for detailsShow source

Stated for CoinZoom, Inc. in the page footer

Annual cost at 1,500 EUR/month

Bitrefill Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 EUR
  • Net annual valuenot enough data

CoinZoom Visa Card

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value90 EUR

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

More Bitrefill Card comparisons

More CoinZoom Visa Card comparisons