CoinZoom Visa Card vs Curve Pay
Crypto native
E-money / FinTech
Verdict
- CoinZoom Visa Card scores higher overall (6.2 vs 6.0 out of 10).
- CoinZoom Visa Card is clearly stronger on: Cashback & rewards, FX & international, Limits & ATM.
- Curve Pay is clearly stronger on: Fees, Custody & security.
- For 1,500 EUR/month of spend, CoinZoom Visa Card comes out about 226 EUR a year ahead on base-tier terms.
CoinZoom Visa Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Cashback & rewards, FX & international, Limits & ATM
Curve Pay is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, 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 | CoinZoom Visa Card | Curve Pay |
|---|---|---|
| Fees | 82 | 100 |
| Cashback & rewards | 18 | 3 |
| Availability | – | 100 |
| FX & international | 100 | 0 |
| Product features | 70 | 70 |
| Custody & security | 60 | 75 |
| Credit & financing | 30 | – |
| Limits & ATM | 100 | 60 |
| Transparency | 93 | 86 |
| Best for Cashback | 4.8 | 4.1 |
| Best for Travel | 8.1 | 4.6 |
| Best for DeFi Users | 5.5 | n/a |
| Best for Stablecoins | 7.0 | n/a |
| Best for High Spenders | 5.6 | 3.5 |
| Best for Low Fees | 9.1 | 6.7 |
| Best for Beginners | 6.8 | 7.8 |
| Best E-Money Card | n/a | 6.4 |
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
Network
VisaShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Card issuer / program manager
Curve UK Limited (UK) / Curve Europe UAB (EEA)Show source
Tiers / plans
Non-Prime · Silver (10,000 ZOOM) · Gold (50,000 ZOOM) · Diamond (150,000 ZOOM) · Black (300,000 ZOOM)Show source
Curve Pay · Curve Pay X · Curve Pay Pro · Curve Pay Pro+Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
On every tier
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Curve Pay (free plan)
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network conversion rates may apply
2.99%Conditions apply: tap or hover for detailsShow source
Free plan above £250/month fee-free FX; paid plans £3,333–£100,000 fee-free
Crypto conversion fee
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
FreeConditions apply: tap or hover for detailsShow source
No CoinZoom fee, domestic and international; ATM operators may charge
2% (min. £2)Conditions apply: tap or hover for detailsShow source
No free allowance on the free plan; X £300, Pro £500, Pro+ £1,000 per month
Other fees & markups
Declined card payment (insufficient funds) $0.50 · Chargeback $100 · Virtual card reissuance 1,000 ZOOMShow source
+1.5% on weekend FX spending (free plan) · 1.5% per transaction on commercial cards · 2.9% when funding through an international payment card above the allowanceShow 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 plan
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Black tier: hold 300,000 ZOOM
1%Conditions apply: tap or hover for detailsShow source
Paid plans: on non-European/non-UK currency spend (X) or selected retailers (Pro/Pro+, capped £25/£50 per month)
Cashback paid in
ZOOMShow source
Curve CashShow source
Cashback type
Platform tokenShow source
FiatShow source
Cashback conditions
Silver 1% (10,000 ZOOM), Gold 2% (50,000), Diamond 3% (150,000), Black 5% (300,000)Show source
1% on non-European/non-UK currency spend requires a premium plan (X, Pro or Pro+) · Pro: 1% at 6 chosen retailers up to £25/month; Pro+: 12 retailers up to £50/month · Brand offers up to 20%, usually one-time and activated in app, UK only (coming soon to EEA)Show source
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
Availability
Available in
United Kingdom, EEAShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
Card can be added to Apple Pay for online payments; using Apple Pay for contactless may forfeit cashback and fee-free FX
Google Pay
YesConditions apply: tap or hover for detailsShow source
Card can be added to Google Pay; using Google Pay for contactless may forfeit cashback and fee-free FX
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Curve Pay digital wallet (free plan); physical card free from Curve Pay X
ATM withdrawals
YesShow source
YesConditions apply: tap or hover for detailsShow source
Fee-free foreign ATM withdrawals only on paid plans (X: up to £/€ 300)
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Only Curve Pay Pro+ (paid plan); free Curve Pay does not list it
Limits
ATM limit
$200Conditions apply: tap or hover for detailsShow source
Per day, Non-Prime
Security & custody
Regulation / licences
FCA-authorised e-money issuer (Curve UK Limited, UK) · Bank of Lithuania e-money licence No. 73 (Curve Europe UAB, EEA)Show source
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Stated for UK customers and for funds on the Curve Cash card
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
Curve Pay
- Annual & monthly fees+0 EUR
- FX costs−108 EUR
- Crypto conversion–
- ATM costs−29 EUR
- Cashback+0 EUR
- Net annual value-136 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers