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CoinZoom Visa Card vs Crypto.com Visa Card (EEA)

CoinZoom Visa Card

Crypto native

6.3
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Crypto.com Visa Card (EEA)

Crypto native

6.1
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Verdict

  • CoinZoom Visa Card scores higher overall (6.3 vs 6.1 out of 10).
  • CoinZoom Visa Card is clearly stronger on: Limits & ATM.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

CoinZoom Visa Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Limits & ATM

Crypto.com Visa Card (EEA) is a good fit for

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

★ 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
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Review & sourcesCoinZoom Visa Card vs ether.fi CashCrypto.com Visa Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinZoom Visa CardCrypto.com Visa Card (EEA)
Fees8287
Cashback & rewards189
Availability–100
FX & international100–
Product features7070
Custody & security75–
Credit & financing3030
Limits & ATM10064
Transparency93100
Best for Cashback4.84.4
Best for Travel8.16.3
Best for DeFi Users6.04.9
Best for Stablecoins7.2n/a
Best for High Spenders5.64.2
Best for Low Fees9.17.6
Best for Beginners6.97.6

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

Debit cardShow source
Prepaid cardShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Spends assets held in the CoinZoom wallet

No data yet

Card issuer / program manager

No data yet
Foris MT Limited (Malta)Show source

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")

Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

On every tier

No data yet

Monthly fee

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

Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

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

€4.99Conditions apply: tap or hover for detailsShow source

Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake

Virtual card fee

FreeShow source
No data yet

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Card replacement listed as free under CoinZoom Visa Card fees

€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

FX fee

0%Conditions apply: tap or hover for detailsShow source

Network conversion rates may apply

No data yet

Crypto conversion fee

1.49%Conditions apply: tap or hover for detailsShow source

Crypto liquidation when spending crypto

No data yet

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

1%Conditions apply: tap or hover for detailsShow source

Only for top-ups with debit/credit card; minimum top-up €20

ATM fee

FreeConditions apply: tap or hover for detailsShow source

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

2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider surcharges may apply

Free ATM allowance

No data yet
€200/monthConditions apply: tap or hover for detailsShow source

Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian

Other fees & markups

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

Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source

Cashback & rewards

Base cashback

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

0%Conditions apply: tap or hover for detailsShow source

Free tier

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by tier

Cashback paid in

ZOOMShow source
CROShow source

Cashback type

Platform tokenShow source
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

No data yet

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding ZOOM, no lock-up

YesConditions apply: tap or hover for detailsShow source

Higher tiers via subscription or 12-month CRO staking

Staking asset

ZOOMShow source
CROShow source

Capital required for top rewards

No data yet
€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

Reward exclusions

No data yet
Certain merchant categories or channels are excluded from CRO RewardsShow source

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

Spend own balance directly

YesShow source
No data yet

Availability

Available in

No data yet
EEAShow source

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Crypto converted to USD at the point of sale

EURShow source

Features

Apple Pay

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

EU: available; not available in UK or Bahrain

Google Pay

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

EU: Google Wallet available, Samsung Wallet not available

Physical card

YesShow source
No data yet

Virtual card

YesShow source
No data yet

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesShow source
No data yet

Airport lounge access

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

Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)

Limits

ATM limit

$200Conditions apply: tap or hover for detailsShow source

Per day, Non-Prime

€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

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)

€25,000Conditions apply: tap or hover for detailsShow source

Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000

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

Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source

Annual cost at 1,500 EUR/month

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

Crypto.com Visa Card (EEA)

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

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

More CoinZoom Visa Card comparisons

More Crypto.com Visa Card (EEA) comparisons