CoinZoom Visa Card vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- CoinZoom Visa Card scores higher overall (6.2 vs 5.6 out of 10).
- CoinZoom Visa Card is clearly stronger on: FX & international, Limits & ATM.
- Uphold Debit Card (US) is clearly stronger on: Fees, Cashback & rewards.
- For 1,500 EUR/month of spend, Uphold Debit Card (US) comes out about 184 EUR a year ahead on base-tier terms.
CoinZoom Visa Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: FX & international, Limits & ATM
Uphold Debit Card (US) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Fees, Cashback & rewards
★ 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 | Uphold Debit Card (US) |
|---|---|---|
| Fees | 82 | 99 |
| Cashback & rewards | 18 | 50 |
| Availability | – | 3 |
| FX & international | 100 | 40 |
| Product features | 70 | 70 |
| Custody & security | 60 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | 100 | 74 |
| Transparency | 93 | 100 |
| Best for Cashback | 4.8 | 5.7 |
| Best for Travel | 8.1 | 5.7 |
| Best for DeFi Users | 5.5 | 5.8 |
| Best for Stablecoins | 7.0 | 6.7 |
| Best for High Spenders | 5.6 | 6.0 |
| Best for Low Fees | 9.1 | 8.1 |
| Best for Beginners | 6.8 | 6.8 |
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
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
Tiers / plans
Non-Prime · Silver (10,000 ZOOM) · Gold (50,000 ZOOM) · Diamond (150,000 ZOOM) · Black (300,000 ZOOM)Show source
Essential (no annual fee) · Elite ($99.99/year)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
On every tier
FreeConditions apply: tap or hover for detailsShow source
Essential; Elite $99.99/year
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
$4.99Conditions apply: tap or hover for detailsShow source
Essential
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network conversion rates may apply
1.5%Conditions apply: tap or hover for detailsShow source
Essential; Elite has no foreign transaction fees
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
$2.95Conditions apply: tap or hover for detailsShow source
Essential; Elite has no ATM fees
Other fees & markups
Declined card payment (insufficient funds) $0.50 · Chargeback $100 · Virtual card reissuance 1,000 ZOOMShow source
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Non-Prime, no ZOOM required
2%Conditions apply: tap or hover for detailsShow source
Essential, paid in XRP
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Black tier: hold 300,000 ZOOM
4%Conditions apply: tap or hover for detailsShow source
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Cashback paid in
ZOOMShow source
XRP (or other crypto at Uphold's discretion)Show source
Cashback type
Platform tokenShow source
CryptoShow source
Interest on balance
3%Conditions apply: tap or hover for detailsShow source
Up to 3% APY on stablecoin balances; variable; no paid plan stated on page
Max cashback per month
$120/monthConditions apply: tap or hover for detailsShow source
Essential; Elite $300/month
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
Available in
United StatesConditions apply: tap or hover for detailsShow source
Not in Louisiana, New York or US territories
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
When available
Google Pay
YesConditions apply: tap or hover for detailsShow source
When available
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Essential: plastic $4.99; Elite: metal $0
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Essential and Elite: $0
ATM withdrawals
YesShow source
YesConditions apply: tap or hover for detailsShow source
Essential: $2.95 per withdrawal; Elite: $0
Spend stablecoins
YesShow source
YesShow source
Limits
ATM limit
$200Conditions apply: tap or hover for detailsShow source
Per day, Non-Prime
Security & custody
Regulation / licences
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow 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
Uphold Debit Card (US)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−32 EUR
- Cashback+360 EUR
- Net annual value274 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers