CoinZoom Visa Card vs SafePal Mastercard
Crypto native
Crypto native
Verdict
- SafePal Mastercard scores higher overall (6.5 vs 6.2 out of 10).
- CoinZoom Visa Card is clearly stronger on: FX & international.
- SafePal Mastercard is clearly stronger on: Fees.
- 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
SafePal Mastercard is a good fit for
- Stablecoin holders
Stronger on: Fees
★ 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 | SafePal Mastercard |
|---|---|---|
| Fees | 82 | 100 |
| Cashback & rewards | 18 | – |
| Availability | – | – |
| FX & international | 100 | 60 |
| Product features | 70 | 70 |
| Custody & security | 60 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | 100 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 4.8 | n/a |
| Best for Travel | 8.1 | 6.6 |
| Best for DeFi Users | 5.5 | 6.0 |
| Best for Stablecoins | 7.0 | 7.2 |
| Best for High Spenders | 5.6 | 6.1 |
| Best for Low Fees | 9.1 | 8.3 |
| Best for Beginners | 6.8 | 7.5 |
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 cardShow source
Network
VisaShow source
MastercardShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
Card issuer / program manager
Fiat24 (Swiss IBAN account and card)Show source
Tiers / plans
Non-Prime · Silver (10,000 ZOOM) · Gold (50,000 ZOOM) · Diamond (150,000 ZOOM) · Black (300,000 ZOOM)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
On every tier
FreeShow source
Monthly fee
FreeShow source
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
1%Conditions apply: tap or hover for detailsShow source
Card payments settled in non-USD currencies
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
FreeConditions apply: tap or hover for detailsShow source
Standard deposit/top-up fee; crypto swaps carry a spread and gas fees
ATM fee
FreeConditions apply: tap or hover for detailsShow source
No CoinZoom fee, domestic and international; ATM operators may charge
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Transfers to external banks; other banks may charge
Other fees & markups
Declined card payment (insufficient funds) $0.50 · Chargeback $100 · Virtual card reissuance 1,000 ZOOMShow source
Refund processing fee 1 USD / 1 EUR / 1 CHF per refund · Gas fees on Arbitrum · Spread on crypto swapsShow 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
Platform tokenShow source
Cashback conditions
Silver 1% (10,000 ZOOM), Gold 2% (50,000), Diamond 3% (150,000), Black 5% (300,000)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
NoShow source
Availability
Account / spend currencies
USD · EUR · CHF · CNHShow source
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Swiss IBAN via Fiat24
Features
Physical card
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesConditions apply: tap or hover for detailsShow source
Crypto is topped up as USDC
Blockchains
ArbitrumShow source
Limits
ATM limit
$200Conditions apply: tap or hover for detailsShow source
Per day, Non-Prime
Spending limit
€5,000Conditions apply: tap or hover for detailsShow source
Per day; contactless 1,600 EUR per day
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
SafePal Mastercard
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers