savebackcards.com
DEEN

CoinZoom Visa Card vs RedotPay

CoinZoom Visa Card

Crypto native

6.3
Get the card
RedotPay

Crypto native

5.5
Get the card

Verdict

  • CoinZoom Visa Card scores higher overall (6.3 vs 5.5 out of 10).
  • CoinZoom Visa Card is clearly stronger on: FX & international, Limits & ATM.
  • RedotPay is clearly stronger on: Credit & financing.
  • 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: FX & international, Limits & ATM

RedotPay is a good fit for

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

Stronger on: 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 CashRedotPay vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinZoom Visa CardRedotPay
Fees8286
Cashback & rewards1812
Availability––
FX & international10052
Product features7070
Custody & security75–
Credit & financing3070
Limits & ATM10060
Transparency9393
Best for Cashback4.84.0
Best for Travel8.15.8
Best for DeFi Users6.05.5
Best for Stablecoins7.25.8
Best for High Spenders5.64.7
Best for Low Fees9.17.5
Best for Beginners6.96.7
Best Crypto Credit Cardn/a6.4

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
No data yet

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

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")

Regular account · RedotPay Pro Monthly ($12.90/month) · RedotPay Pro Annual ($129.00/year)Conditions apply: tap or hover for detailsShow source

Annual: "Annual Membership: $129.00 / year"; without membership the account is a "regular account"

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

On every tier

FreeConditions apply: tap or hover for detailsShow source

Stated under Physical Card; currency not stated on page

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

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

$100Show source

Virtual card fee

FreeShow source
$10Show source

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

1.2%Conditions apply: tap or hover for detailsShow source

Spending in a currency other than the card currency

Crypto conversion fee

1.49%Conditions apply: tap or hover for detailsShow source

Crypto liquidation when spending crypto

1%Show source

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%Conditions apply: tap or hover for detailsShow source

USD card up to $10,000/month, 3% above; Pro annual waives up to $1,000/month of RedotPay ATM fees

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

1.5% transaction fee (min. 0.50 USD) at specific listed merchants (e.g. Facebook Ads, Discord, some games); first 3 eligible transactions per card per calendar month waivedConditions apply: tap or hover for detailsShow source

Waived on the first 3 eligible transactions per card each calendar month; merchant list reviewed regularly

Cashback & rewards

Base cashback

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

No data yet

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

3%Conditions apply: tap or hover for detailsShow source

RedotPay Pro (monthly or annual) only; Apple Pay / Google Pay transactions only; capped at 18 USDs per month

Cashback paid in

ZOOMShow source
USDsShow source

Cashback type

Platform tokenShow source
No data yet

Max cashback per month

No data yet
$18/monthConditions apply: tap or hover for detailsShow source

Paid in USDs (RedotPay spend credit), Pro members only

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

RedotPay Pro membership required · Only Apple Pay or Google Pay transactions qualify · USDs usable only for future card transactions; cannot be withdrawn, transferred or used to buy cards · Cashback reclaimed on refunds/disputesShow source

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding ZOOM, no lock-up

No data yet

Staking asset

ZOOMShow source
No data yet

Reward expiry / vesting

No data yet
Cashback USDs expire after 30 daysShow source

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Optional Credit feature (app v3.0.0+), usable for RedotPay card spending when set as main payment method

Credit type

No data yet
Crypto-backed creditConditions apply: tap or hover for detailsShow source

Optional Credit feature; stablecoins excluded as collateral

Collateral assets

No data yet
Supported crypto assets (excluding stablecoins)Show source

Interest notes

No data yet
Interest calculated daily on the principal of the credit balance; simple interest (no compounding)Conditions apply: tap or hover for detailsShow source

Optional Credit feature

Spend own balance directly

YesShow source
No data yet

Spend by borrowing against collateral

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

Optional; crypto collateral is locked at payment until repaid

Availability

Not available in

No data yet
AF, AL, BY, BA, BV, BF, BI, CF, CD, Croatia, CU, ER, ET, GW, HT, India, Indonesia, IR, IQ, LB, LR, LY, CN, ML, ME, MA, MM, NP, NI, KP, MK, RU, RS, Singapore, Slovenia, SO, SS, SD, SY, Turkey, Ukraine, United States, VE, YE, ZWConditions apply: tap or hover for detailsShow source

Card issuance restricted list (Aug 28, 2026); also lists Kosovo and Netherlands Antilles, which have no current ISO code and are omitted

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

Not available in every country

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesShow source
YesShow source

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

Money Lender's Licence No. 1715/2025 (RedotPay Credit)Conditions apply: tap or hover for detailsShow source

Licence stated for the Credit feature; issuing jurisdiction not named on page

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

RedotPay

  • Annual & monthly fees+0 EUR
  • FX costs−43 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

More CoinZoom Visa Card comparisons

More RedotPay comparisons