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Binance Card vs Zoomex Card

Binance Card

Crypto native

4.9
Zoomex Card

Crypto native

5.2

Verdict

  • Zoomex Card scores higher overall (5.2 vs 4.9 out of 10).
  • Binance Card is clearly stronger on: Fees, Product features.
  • Zoomex Card is clearly stronger on: Cashback & rewards.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Binance Card is a good fit for

  • Stablecoin holders

Stronger on: Fees, Product features

Zoomex Card is a good fit for

  • Stablecoin holders

Stronger on: Cashback & rewards

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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

CriterionBinance CardZoomex Card
Fees10088
Cashback & rewards821
Availability3–
FX & international2020
Product features7056
Custody & security6060
Credit & financing–30
Limits & ATM87–
Transparency100100
Best for Cashback3.64.3
Best for Travel4.84.5
Best for DeFi Users5.55.1
Best for Stablecoins5.75.5
Best for High Spenders4.44.0
Best for Low Fees7.86.7
Best for Beginners6.56.7

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

No data yet
ActiveShow source

Card type

No data yet
Prepaid cardConditions apply: tap or hover for detailsShow source

Spends the UR account balance funded with USDC

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

CustodialConditions apply: tap or hover for detailsShow source

Fiat held by UR (SR Saphirstein AG)

Card issuer / program manager

No data yet
UR — SR Saphirstein AG, Swiss fintech licence (Art. 1b Banking Act), FINMA-supervisedShow source

Fees

Annual fee

FreeShow source
FreeShow source

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

Issuance; 30 BRL if the physical card is cancelled within one year

No data yet

Virtual card fee

No data yet
FreeShow source

Replacement fee

€25Show source
No data yet

FX fee

2%Conditions apply: tap or hover for detailsShow source

1–2% depending on the transaction

2%Conditions apply: tap or hover for detailsShow source

1–2%

Crypto conversion fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Crypto to fiat; fiat to crypto 0%

ATM fee

$1.50Conditions apply: tap or hover for detailsShow source

After 2 free withdrawals per month

No data yet

Cashback & rewards

Base cashback

No data yet
1%Conditions apply: tap or hover for detailsShow source

Credited monthly to the Zoomex funding account; campaign rules still being prepared

Max cashback

3%Conditions apply: tap or hover for detailsShow source

Up to; paid monthly into the Binance wallet

1%Show source

Cashback paid in

BNBShow source
No data yet

Cashback conditions

No data yet
Sign-up reward: spend $5, get $10Show source

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Rate depends on BNB holdings

No data yet

Staking asset

BNBShow source
No data yet

Credit & financing

Credit line

No data yet
NoShow source

Availability

Available in

BrazilConditions apply: tap or hover for detailsShow source

Currently only Brazil

No data yet

Account / spend currencies

No data yet
USD · EUR · CHF · JPY · SGD · HKDShow source

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

No data yet
NoConditions apply: tap or hover for detailsShow source

Initial version is virtual only

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesShow source
YesConditions apply: tap or hover for detailsShow source

USDC is moved into the UR account and converted

Limits

Spending limit

R$25,000Conditions apply: tap or hover for detailsShow source

Per day (50,000 BRL per month); higher with further verification

No data yet

Annual cost at 1,500 EUR/month

Binance Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costs−16 EUR
  • Cashbackunknown
  • Net annual valuenot enough data

Zoomex Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+180 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers