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CoinJar Card vs Zebec Card

CoinJar Card

Crypto native

5.0
Zebec Card

Crypto native

4.5

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:

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

CriterionCoinJar CardZebec Card
Fees7620
Cashback & rewards––
Availability37
FX & international0–
Product features7070
Custody & security6080
Credit & financing––
Limits & ATM80–
Transparency100100
Best for Cashback5.0n/a
Best for Travel3.8n/a
Best for Self-Custodyn/a6.4
Best for DeFi Users5.75.9
Best for High Spenders5.1n/a
Best for Low Fees5.44.4
Best for Beginners6.15.6

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
No data yet

Tiers / plans

No data yet
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
No data yet

Virtual card fee

FreeShow source
No data yet

FX fee

2.99%Conditions apply: tap or hover for detailsShow source

From 2.99%

No data yet

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

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

Described as 'approximately 2%'; also 30 cents per transaction

ATM fee

1%Show source
No data yet

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
No data yet

Cashback type

PointsShow source
No data yet

Staking asset

No data yet
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

No data yet
United KingdomConditions apply: tap or hover for detailsShow source

UK currently restricted pending regulatory reviews and registration

Account / spend currencies

No data yet
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
No data yet

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spendable assets

No data yet
180+ cryptocurrenciesConditions apply: tap or hover for detailsShow source

Black Card funding

Blockchains

No data yet
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

No data yet
$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