CoinZoom Visa Card vs Keytom Card
Crypto native
Crypto native
Verdict
- CoinZoom Visa Card and Keytom Card have the same overall score (6.3/10).
- CoinZoom Visa Card is clearly stronger on: Fees, FX & international, Product features, 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: Fees, FX & international, Product features, Limits & ATM
Keytom 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:
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 | Keytom Card |
|---|---|---|
| Fees | 82 | 71 |
| Cashback & rewards | 19 | – |
| Availability | – | 100 |
| FX & international | 100 | 6 |
| Product features | 70 | 58 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 100 | 60 |
| Transparency | 93 | 100 |
| Best for Cashback | 4.9 | 6.1 |
| Best for Travel | 8.1 | 4.8 |
| Best for DeFi Users | 6.0 | 5.9 |
| Best for Stablecoins | 7.2 | 5.6 |
| Best for High Spenders | 5.6 | 4.9 |
| Best for Low Fees | 9.1 | 5.8 |
| Best for Beginners | 6.9 | 7.6 |
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 cardConditions apply: tap or hover for detailsShow source
credit BIN but spends own balance (not a loan)
Network
VisaShow source
VisaShow 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
inferred from insured crypto custody via Fireblocks
Card issuer / program manager
KEYTOM SERVICES LTD (operator)Conditions apply: tap or hover for detailsShow source
card issuer not named
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")
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
On every tier
Monthly fee
$10/monthConditions apply: tap or hover for detailsShow source
per card; $20 with both cards; charged only while balance covers it
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
$50Conditions apply: tap or hover for detailsShow source
delivery fee
Virtual card fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
Free to open
Replacement fee
FreeConditions apply: tap or hover for detailsShow source
Card replacement listed as free under CoinZoom Visa Card fees
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network conversion rates may apply
2.35%Conditions apply: tap or hover for detailsShow source
Total fee on non-USD card payments, min 0.66 USDC
Crypto conversion fee
1.49%Conditions apply: tap or hover for detailsShow source
Crypto liquidation when spending crypto
1.5%Conditions apply: tap or hover for detailsShow source
EUR <-> crypto, personal accounts
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
Crypto withdrawal fee
0.1%Conditions apply: tap or hover for detailsShow source
plus network fee; personal accounts
ATM fee
FreeConditions apply: tap or hover for detailsShow source
ATM operators may charge
2% (min. $0.66)Conditions apply: tap or hover for detailsShow source
2% in USD, 3.35% in other currencies; physical card; operator fees may apply
Transfer fee
€0.25 + 1% (min. €2.75)Conditions apply: tap or hover for detailsShow source
sending SEPA, personal; receiving 0.5% + €0.25 (min €2.75)
Small transaction fee
1% (min. $0.66)Conditions apply: tap or hover for detailsShow source
payment fee on every purchase: 1% USD, 2.35% other currencies, min $0.66; not refunded on refunds
Other fees & markups
Wire fees: $12 deposit / $35 US withdrawal / $50 international (free for Black)Show source
Separate currency conversion fee per Fee Schedule when card linked to account in different currency · Possible account closure or inactivity fees per Fee ScheduleShow source
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Non-Prime, no ZOOM required
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Black tier: hold 300,000 ZOOM
Cashback paid in
ZOOMShow source
Cashback type
CryptoShow 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
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Holding ZOOM, no lock-up
Staking asset
ZOOMShow source
Reward exclusions
fuel pumps · gamblingConditions apply: tap or hover for detailsShow source
categories not supported for card use
Credit & financing
Credit line
NoShow source
NoConditions apply: tap or hover for detailsShow source
Credit BIN but spends own balance
Spend own balance directly
YesShow source
Availability
Available in
GlobalConditions apply: tap or hover for detailsShow source
Residents of 150+ countries
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Crypto converted to USD at the point of sale
USDConditions apply: tap or hover for detailsShow source
Card denominated in USD, spends from USDC balance
Own IBAN / bank details
YesShow source
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Not available yet
Google Pay
YesConditions apply: tap or hover for detailsShow source
Virtual card
Physical card
YesShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
YesShow source
Spend stablecoins
YesShow source
YesShow source
Spendable assets
USDCConditions apply: tap or hover for detailsShow source
card spends from USDC balance; top up via EUR or crypto conversion
Limits
ATM limit
$100Conditions apply: tap or hover for detailsShow source
Non-Prime per day; up to $1,000 Black
$3,000Conditions apply: tap or hover for detailsShow source
Per day; $10,000 per month
Spending limit
$1,250Conditions apply: tap or hover for detailsShow source
Non-Prime per day; up to $10,000 Black
$150,000Conditions apply: tap or hover for detailsShow source
Per transaction
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
MSB registered in CanadaShow 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
Keytom Card
- Annual & monthly fees−107 EUR
- FX costs−85 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers