Bitwala Card vs CoinZoom Visa Card
Crypto native
Crypto native
Verdict
- Bitwala Card scores higher overall (7.0 vs 6.3 out of 10).
- CoinZoom Visa Card is clearly stronger on: Product features, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitwala Card is a good fit for
- Stablecoin holders
CoinZoom Visa Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Product features, Limits & ATM
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
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
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Bitwala Card | CoinZoom Visa Card |
|---|---|---|
| Fees | 88 | 82 |
| Cashback & rewards | – | 18 |
| Availability | 100 | – |
| FX & international | – | 100 |
| Product features | 58 | 70 |
| Custody & security | 70 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 60 | 100 |
| Transparency | 100 | 93 |
| Best for Cashback | n/a | 4.8 |
| Best for Travel | 6.6 | 8.1 |
| Best for DeFi Users | 6.2 | 6.0 |
| Best for Stablecoins | 6.8 | 7.2 |
| Best for High Spenders | n/a | 5.6 |
| Best for Low Fees | 7.6 | 9.1 |
| Best for Beginners | 7.9 | 6.9 |
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
Debit cardShow source
Debit cardShow source
Network
VisaShow source
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Self-custodial crypto wallet; euros held in the Bitwala account
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")
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
On every tier
Monthly fee
FreeShow source
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
$5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
Virtual card fee
€0.99Show source
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%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
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
€2 + 1%Show source
FreeConditions apply: tap or hover for detailsShow source
No CoinZoom fee, domestic and international; ATM operators may charge
Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
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
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
Credit & financing
Credit line
NoShow source
NoShow source
Spend own balance directly
YesShow source
Availability
Available in
EEAShow source
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Crypto converted to USD at the point of sale
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
Google Pay
YesShow source
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
BTC · ETH · USDC · EURShow source
Limits
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)
Security & custody
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
Annual cost at 1,500 EUR/month
Bitwala Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−36 EUR
- Cashbackunknown
- 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