CoinJar Card vs Zebec Card
Crypto native
Crypto native
Verdict
- CoinJar Card scores higher overall (5.0 vs 4.5 out of 10).
- CoinJar Card is clearly stronger on: Fees.
- Zebec Card is clearly stronger on: Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
CoinJar Card is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees
Zebec Card is a good fit for
- People who want to keep control of their keys
Stronger on: Custody & security
★ 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 | CoinJar Card | Zebec Card |
|---|---|---|
| Fees | 76 | 20 |
| Cashback & rewards | – | – |
| Availability | 3 | 7 |
| FX & international | 0 | – |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | – | – |
| Limits & ATM | 80 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.0 | n/a |
| Best for Travel | 3.8 | n/a |
| Best for Self-Custody | n/a | 6.4 |
| Best for DeFi Users | 5.7 | 5.9 |
| Best for High Spenders | 5.1 | n/a |
| Best for Low Fees | 5.4 | 4.4 |
| Best for Beginners | 6.1 | 5.6 |
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 cardShow source
Prepaid cardShow source
Network
MastercardShow source
MastercardShow source
Custody model
CustodialShow source
Self-custodyConditions apply: tap or hover for detailsShow source
Silver Card described as non-custodial
Card issuer / program manager
EML Payment Solutions LimitedShow source
Tiers / plans
Silver · Carbon · BlackConditions apply: tap or hover for detailsShow source
Black temporarily offline for upgrades, expected to resume late 2026
Fees
Physical card fee
FreeShow source
Virtual card fee
FreeShow source
FX fee
2.99%Conditions apply: tap or hover for detailsShow source
From 2.99%
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Returned as Rewards points
0%Conditions apply: tap or hover for detailsShow source
Reloadable card: no transaction fees
Top-up fee
2%Conditions apply: tap or hover for detailsShow source
Described as 'approximately 2%'; also 30 cents per transaction
ATM fee
1%Show source
Other fees & markups
1% fee on in-store and online purchases (returned as Rewards points) · Transaction dispute fee $27.50 per transactionShow source
No sign-up fee · No transaction fee · Variable FX fees may apply when spending outside the card currency · Crypto-to-fiat conversion rates vary by token/currencyConditions apply: tap or hover for detailsShow source
Black Card
Cashback & rewards
Cashback paid in
CoinJar Rewards pointsShow source
Cashback type
PointsShow source
Staking asset
ZBCNConditions apply: tap or hover for detailsShow source
extra rewards, Black Card
Availability
Available in
AustraliaShow source
United States, Canada, PR, VI, GU, AS, MP, United Kingdom, GI, GG, IM, JEConditions apply: tap or hover for detailsShow source
Silver USD/GBP; Silver EUR in supported EU countries (not listed)
Not available in
United KingdomConditions apply: tap or hover for detailsShow source
UK currently restricted pending regulatory reviews and registration
Account / spend currencies
USD · EUR · GBPConditions apply: tap or hover for detailsShow source
Silver and Black: USD, EUR or GBP; Carbon: USD only
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spendable assets
180+ cryptocurrenciesConditions apply: tap or hover for detailsShow source
Black Card funding
Blockchains
BNB Smart Chain · Solana · Ethereum · Ripple · Tron · Sui · Stellar · BaseConditions apply: tap or hover for detailsShow source
Platform-wide: 150+ tokens across 18 blockchains; list not exhaustive
Limits
Spending limit
$50,000Conditions apply: tap or hover for detailsShow source
Black Card, daily; page uses $ sign
Annual cost at 1,500 EUR/month
CoinJar Card
- Annual & monthly feesunknown
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−12 EUR
- Cashbackunknown
- Net annual valuenot enough data
Zebec Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers