CoinZoom Visa Card vs Wirex Card
Crypto native
Crypto native
Verdict
- Wirex Card scores higher overall (6.4 vs 6.3 out of 10).
- CoinZoom Visa Card is clearly stronger on: Limits & ATM.
- Wirex Card is clearly stronger on: Fees.
CoinZoom Visa Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Limits & ATM
Wirex Card is a good fit for
- Stablecoin holders
- Frequent travellers
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 | Wirex Card |
|---|---|---|
| Fees | 82 | 100 |
| Cashback & rewards | 18 | 26 |
| Availability | – | – |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 75 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | 100 | 64 |
| Transparency | 93 | 93 |
| Best for Cashback | 4.8 | 5.2 |
| Best for Travel | 8.1 | 7.9 |
| Best for DeFi Users | 6.0 | 5.6 |
| Best for Stablecoins | 7.2 | 7.4 |
| Best for High Spenders | 5.6 | 5.8 |
| Best for Low Fees | 9.1 | 9.4 |
| Best for Beginners | 6.9 | 7.1 |
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
Visa / MastercardConditions apply: tap or hover for detailsShow source
Visa or Mastercard depending on region
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
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")
Standard · Premium · EliteConditions apply: tap or hover for detailsShow source
Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
On every tier
FreeConditions apply: tap or hover for detailsShow source
No annual card fee; paid X-tras plans are billed monthly
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year
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
Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)
Virtual card fee
FreeShow source
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
0%Conditions apply: tap or hover for detailsShow source
As stated on this help article
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
SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country
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
EEA: after 200 EUR free monthly
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
EEA, per month
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
Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow 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
Standard plan, Entry tier
Max cashback
5%Conditions apply: tap or hover for detailsShow source
Black tier: hold 300,000 ZOOM
8%Conditions apply: tap or hover for detailsShow source
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Cashback paid in
ZOOMShow source
WXTShow source
Cashback type
Platform tokenShow source
CryptoConditions apply: tap or hover for detailsShow source
Cryptoback rewards program
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
Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow 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 tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Staking asset
ZOOMShow source
WXTShow source
Reward exclusions
Cash withdrawals · TransfersShow source
Credit & financing
Credit line
NoShow source
NoConditions apply: tap or hover for detailsShow source
debit card
Spend own balance directly
YesShow source
Availability
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Crypto converted to USD at the point of sale
Features
Apple Pay
YesShow source
Physical card
YesShow source
YesShow source
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
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)
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
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
Wirex Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers