PayitFast Visa Card vs Zebec Card
Crypto native
Crypto native
Verdict
- PayitFast Visa Card and Zebec Card have the same overall score (6.2/10).
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
PayitFast Visa Card is a good fit for
- No specific audience can be derived from the published data yet.
Zebec Card is a good fit for
- People who want to keep control of their keys
★ 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 | PayitFast Visa Card | Zebec Card |
|---|---|---|
| Fees | 90 | 100 |
| Cashback & rewards | 40 | – |
| Availability | – | 10 |
| FX & international | 60 | – |
| Product features | 70 | 70 |
| Custody & security | – | 80 |
| Credit & financing | – | – |
| Limits & ATM | 56 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 5.5 | n/a |
| Best for Travel | 6.4 | n/a |
| Best for Self-Custody | n/a | 7.6 |
| Best for DeFi Users | 5.9 | 7.1 |
| Best for High Spenders | 5.8 | n/a |
| Best for Low Fees | 7.9 | 8.0 |
| Best for Beginners | 7.2 | 7.2 |
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
ActiveConditions apply: tap or hover for detailsShow source
Physical card on a waitlist
ActiveShow source
Card type
Prepaid cardShow source
Network
VisaShow source
MastercardShow source
Custody model
Self-custodyConditions apply: tap or hover for detailsShow source
Silver Card described as non-custodial
Tiers / plans
Standard · EliteShow source
Silver · Carbon · BlackConditions apply: tap or hover for detailsShow source
Black temporarily offline for upgrades, expected to resume late 2026
Fees
Monthly fee
FreeShow source
Physical card fee
$50Conditions apply: tap or hover for detailsShow source
Physical card via waitlist
Virtual card fee
$5Conditions apply: tap or hover for detailsShow source
$ read as USD; card available in USD
Replacement fee
$3Conditions apply: tap or hover for detailsShow source
Virtual; physical PVC replacement $30
FX fee
1%Show source
Crypto conversion fee
0.75%Show source
0%Conditions apply: tap or hover for detailsShow source
Reloadable card: no transaction fees
Crypto withdrawal fee
FreeConditions apply: tap or hover for detailsShow source
Network fees apply
ATM fee
$2 + 1.3%Conditions apply: tap or hover for detailsShow source
Non-USD ATM adds 1% FX
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Internal P2P transfers
Other fees & markups
Decline fee $2 per decline (insufficient balance) · Lost-claim chargeback $35 · Card/wallet on-ramp from 2.99%Show source
Variable FX fees may apply when spending outside the card currency · Crypto-to-fiat conversion rates vary by token/currencyConditions apply: tap or hover for detailsShow source
Black Card
Cashback & rewards
Max cashback
10%Show source
Cashback paid in
USDTShow source
Cashback type
StablecoinShow source
Cashback conditions
Rate depends on which eligible asset you spend · Qualifying transactions onlyShow source
Staking asset
ZBCNConditions apply: tap or hover for detailsShow source
extra rewards, Black Card
Reward expiry / vesting
Cashback and rewards are non-withdrawable; usable only for eligible card transactionsShow source
Availability
Available in
United States, Canada, PR, VI, GU, AS, MP, United Kingdom, GI, GG, IM, JEConditions apply: tap or hover for detailsShow source
Silver USD/GBP; Silver EUR in supported EU countries (not listed)
Account / spend currencies
USDShow source
USD · EUR · GBPConditions apply: tap or hover for detailsShow source
Silver and Black: USD, EUR or GBP; Carbon: USD only
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
waitlist
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spendable assets
BTC · USDT · ETH · SOLShow source
Blockchains
BNB Smart Chain · Solana · Ethereum · Ripple · Tron · Sui · Stellar · BaseConditions apply: tap or hover for detailsShow source
Platform-wide: 150+ tokens across 18 blockchains; list not exhaustive
Limits
ATM limit
$2,000Conditions apply: tap or hover for detailsShow source
Per withdrawal, PVC card; higher for metal/jewellery cards
Spending limit
$100,000Conditions apply: tap or hover for detailsShow source
Daily, Standard; Elite $5,000,000
$50,000Conditions apply: tap or hover for detailsShow source
Black Card, daily; page uses $ sign
Security & custody
Regulation / licences
FINTRAC MSB registration M23026009 (Silverleaf E-Money Services Ltd.) · Bank of Canada PSP under RPAAShow source
Annual cost at 1,500 EUR/month
PayitFast Visa Card
- Annual & monthly fees+0 EUR
- FX costs−36 EUR
- Crypto conversion–
- ATM costs−37 EUR
- Cashbackunknown
- Net annual valuenot enough data
Zebec Card
- Annual & monthly feesunknown
- FX costsunknown
- 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