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CoinZoom Visa Card vs Nexo Card

CoinZoom Visa Card

Crypto native

6.3
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Nexo Card

Crypto native

7.4
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Verdict

  • Nexo Card scores higher overall (7.4 vs 6.3 out of 10).
  • CoinZoom Visa Card is clearly stronger on: Limits & ATM.
  • Nexo Card is clearly stronger on: Fees, Credit & financing.
  • For 1,500 EUR/month of spend, CoinZoom Visa Card comes out about 7 EUR a year ahead on base-tier terms.

CoinZoom Visa Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: Limits & ATM

Nexo Card is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

Stronger on: Fees, Credit & financing

★ 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
Get the card
Review & sourcesCoinZoom Visa Card vs ether.fi CashNexo Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinZoom Visa CardNexo Card
Fees82100
Cashback & rewards1813
Availability–100
FX & international10092
Product features7070
Custody & security7575
Credit & financing30100
Limits & ATM10064
Transparency93100
Best for Cashback4.85.2
Best for Travel8.18.0
Best for DeFi Users6.07.2
Best for Stablecoins7.27.4
Best for High Spenders5.65.9
Best for Low Fees9.19.3
Best for Beginners6.98.1
Best Crypto Credit Cardn/a8.4

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
Debit card, Crypto-backed creditConditions apply: tap or hover for detailsShow source

Dual mode: Debit Mode and crypto-backed Credit Mode

Network

VisaShow source
MastercardConditions apply: tap or hover for detailsShow source

Network inferred from the Mastercard trademark notice next to the card issuer disclosure

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Spends assets held in the CoinZoom wallet

CustodialShow source

Card issuer / program manager

No data yet
DiPocket UABShow 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")

No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

On every tier

FreeShow source

Monthly fee

No data yet
FreeShow source

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

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

FreeConditions apply: tap or hover for detailsShow source

Requires at least Gold Loyalty Tier and portfolio above $5,000

Virtual card fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Balance of at least $50 required to activate; stays in account

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Card replacement listed as free under CoinZoom Visa Card fees

No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

Network conversion rates may apply

0.2%Conditions apply: tap or hover for detailsShow source

Weekdays EEA/UK/CH; weekends 0.7%; rest of world 2% weekdays, 2.5% weekends

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

No data yet

ATM fee

FreeConditions apply: tap or hover for detailsShow source

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

2% (min. €1.99)Conditions apply: tap or hover for detailsShow source

After the free monthly allowance

Free ATM allowance

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

Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000

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

Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source

Cashback & rewards

Base cashback

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

0.5%Conditions apply: tap or hover for detailsShow source

Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

2%Conditions apply: tap or hover for detailsShow source

Up to; Credit Mode only, depends on loyalty tier

Cashback paid in

ZOOMShow source
NEXO Tokens or BitcoinShow source

Cashback type

Platform tokenShow source
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

Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source

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 cashback tiers depend on the share of NEXO Tokens held

Staking asset

ZOOMShow source
NEXO TokenShow source

Minimum balance

No data yet
$5,000Conditions apply: tap or hover for detailsShow source

Digital-asset balance required to earn cashback

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Credit Mode

Credit type

No data yet
Crypto-backed creditShow source

Interest (APR)

No data yet
1.9%Conditions apply: tap or hover for detailsShow source

'Starting from'; minimum rate

Interest notes

No data yet
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source

Repayment

No data yet
Flexible repayment with no fixed schedule or credit checksShow source

Spend own balance directly

YesShow source
YesConditions apply: tap or hover for detailsShow source

Debit Mode

Spend by borrowing against collateral

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

Credit Mode

Availability

Available in

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

Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Crypto converted to USD at the point of sale

No data yet

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Requires Gold Loyalty Tier and above $5,000 portfolio

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesShow source
YesConditions apply: tap or hover for detailsShow source

Debit Mode

Spendable assets

No data yet
Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source

Debit Mode; specific coins not listed

Limits

ATM limit

$200Conditions apply: tap or hover for detailsShow source

Per day, Non-Prime

No data yet

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)

No data yet

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

DiPocket UAB: e-money institution licensed by Bank of Lithuania (licence 75) · Tangany GmbH: BaFin-regulated crypto custody under MiCAR · DLT Securities GmbH: BaFin-regulated under MiCAR and MiFID IIShow source

Deposit protection

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

Applies to Earn and Borrow products

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

Nexo Card

  • Annual & monthly fees+0 EUR
  • FX costs−7 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value83 EUR

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

More CoinZoom Visa Card comparisons

More Nexo Card comparisons