CoinZoom Visa Card vs Xapo Bank Card
Crypto native
Crypto enabled
Verdict
- CoinZoom Visa Card scores higher overall (6.3 vs 5.4 out of 10).
- CoinZoom Visa Card is clearly stronger on: Fees, Product features, Limits & ATM.
- 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: Fees, Product features, Limits & ATM
Xapo Bank Card is a good fit for
- Frequent travellers
★ 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 | Xapo Bank Card |
|---|---|---|
| Fees | 82 | 49 |
| Cashback & rewards | 18 | 24 |
| Availability | – | – |
| FX & international | 100 | 100 |
| Product features | 70 | 53 |
| Custody & security | 75 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 100 | 62 |
| Transparency | 93 | 86 |
| Best for Cashback | 4.8 | 4.3 |
| Best for Travel | 8.1 | 6.8 |
| Best for DeFi Users | 6.0 | n/a |
| Best for Stablecoins | 7.2 | n/a |
| Best for High Spenders | 5.6 | 4.8 |
| Best for Low Fees | 9.1 | 6.9 |
| Best for Beginners | 6.9 | 5.7 |
| Best E-Money Card | n/a | 6.6 |
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
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
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")
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
On every tier
$1,000/yearConditions apply: tap or hover for detailsShow source
Xapo Bank membership, card included
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 included in the membership; additional replacement card in a year 25 USD
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
Network exchange rate, no Xapo markup
Crypto conversion fee
1.49%Conditions apply: tap or hover for detailsShow source
Crypto liquidation when spending crypto
0.1%Conditions apply: tap or hover for detailsShow source
Spread when spending from the BTC wallet
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%Conditions apply: tap or hover for detailsShow source
Outside Gibraltar, above the free monthly allowance; operator fees separate
Free ATM allowance
$100/monthShow source
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
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
1%Conditions apply: tap or hover for detailsShow source
Up to, on qualifying purchases
Cashback paid in
ZOOMShow source
BTCShow source
Cashback type
Platform tokenShow source
CryptoShow source
Interest on balance
4.1%Conditions apply: tap or hover for detailsShow source
Standard variable rate on USD Savings product (not card balance), paid daily in BTC; promo 4.6% for first-time members
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
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
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
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Complimentary metal card with the membership
Virtual card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Included in the membership (metal, standard and virtual cards)
ATM withdrawals
YesShow source
YesConditions apply: tap or hover for detailsShow source
Free up to USD 100 per month, then 2%
Spend stablecoins
YesShow source
NoConditions apply: tap or hover for detailsShow source
USDC/USDT deposits convert automatically to USD; the card spends USD or BTC
Limits
ATM limit
$200Conditions apply: tap or hover for detailsShow source
Per day, Non-Prime
$2,000Conditions apply: tap or hover for detailsShow source
Per day
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
Xapo Bank Limited: credit institution regulated by the GFSC (Permission No. 23171) · USD deposits covered by the Gibraltar Deposit Guarantee Scheme up to GBP 120,000 · crypto via Xapo VASP Limited (GFSC DLT Provider, No. 26061)Show 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
Xapo Bank Card
- Annual & monthly fees−893 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−3 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