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Coinbase Card vs Zoomex Card

Coinbase Card

Crypto native

5.9
Zoomex Card

Crypto native

5.2

Verdict

  • Coinbase Card scores higher overall (5.9 vs 5.2 out of 10).
  • Coinbase Card is clearly stronger on: Fees, Product features, Custody & security.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Coinbase Card is a good fit for

  • Stablecoin holders

Stronger on: Fees, Product features, Custody & security

Zoomex Card is a good fit for

  • Stablecoin holders

★ 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

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinbase CardZoomex Card
Fees10088
Cashback & rewards–21
Availability3–
FX & international–20
Product features7056
Custody & security7560
Credit & financing3030
Limits & ATM––
Transparency100100
Best for Cashbackn/a4.3
Best for Traveln/a4.5
Best for DeFi Users6.75.1
Best for Stablecoins7.35.5
Best for High Spendersn/a4.0
Best for Low Fees8.06.7
Best for Beginners7.16.7

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
Prepaid cardConditions apply: tap or hover for detailsShow source

Spends the UR account balance funded with USDC

Network

VisaShow source
No data yet

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

CustodialConditions apply: tap or hover for detailsShow source

Fiat held by UR (SR Saphirstein AG)

Card issuer / program manager

Pathward, N.A. (program powered by Marqeta)Show source
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source

Fees

Annual fee

FreeShow source
FreeShow source

Virtual card fee

No data yet
FreeShow source

FX fee

No data yet
2%Conditions apply: tap or hover for detailsShow source

1–2%

Crypto conversion fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Crypto to fiat; fiat to crypto 0%

Top-up fee

FreeConditions apply: tap or hover for detailsShow source

Funding from a linked bank account or paycheck deposit; a spread applies when crypto is sold

No data yet

Other fees & markups

Coinbase charges a spread when buying, selling or converting cryptoShow source
No data yet

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Credited monthly to the Zoomex funding account; campaign rules still being prepared

Max cashback

No data yet
1%Show source

Cashback type

CryptoShow source
No data yet

Cashback conditions

Rewards are optional and the rate is variable · Rewards only for US card usersShow source
Sign-up reward: spend $5, get $10Show source

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

YesShow source
No data yet

Availability

Available in

United StatesConditions apply: tap or hover for detailsShow source

Excluding Hawaii

No data yet

Account / spend currencies

No data yet
USD · EUR · CHF · JPY · SGD · HKDShow source

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

Initial version is virtual only

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

USDC

YesConditions apply: tap or hover for detailsShow source

USDC is moved into the UR account and converted

Security & custody

Regulation / licences

Issued by Pathward, N.A., Member FDIC, under a license from Visa U.S.A. Inc.Show source
No data yet

Annual cost at 1,500 EUR/month

Coinbase Card

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

Zoomex Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 EUR
  • Net annual valuenot enough data

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