Bleap vs CoinZoom Visa Card
Crypto native
Crypto native
Verdict
- Bleap scores higher overall (8.4 vs 6.3 out of 10).
- Bleap is clearly stronger on: Fees, Cashback & rewards, Custody & security.
- For 1,500 EUR/month of spend, Bleap comes out about 90 EUR a year ahead on base-tier terms.
Bleap is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Frequent travellers
Stronger on: Fees, Cashback & rewards, Custody & security
CoinZoom Visa Card is a good fit for
- Stablecoin holders
- 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 | Bleap | CoinZoom Visa Card |
|---|---|---|
| Fees | 100 | 82 |
| Cashback & rewards | 56 | 18 |
| Availability | 100 | – |
| FX & international | 100 | 100 |
| Product features | 70 | 70 |
| Custody & security | 95 | 75 |
| Credit & financing | 30 | 30 |
| Limits & ATM | 100 | 100 |
| Transparency | 100 | 93 |
| Best for Cashback | 7.6 | 4.8 |
| Best for Travel | 9.3 | 8.1 |
| Best for Self-Custody | 8.8 | n/a |
| Best for DeFi Users | 7.6 | 6.0 |
| Best for Stablecoins | 8.7 | 7.2 |
| Best for High Spenders | 7.4 | 5.6 |
| Best for Low Fees | 10.0 | 9.1 |
| Best for Beginners | 8.8 | 6.9 |
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
MastercardShow source
VisaShow source
Custody model
Self-custodyShow source
CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
Card issuer / program manager
Unlimit EU Ltd (programme: Bleap Finance Sp. z o.o.)Show source
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
From the comparison table
FreeConditions apply: tap or hover for detailsShow source
On every tier
Monthly fee
FreeShow source
Physical card fee
FreeShow source
$5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
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%Show source
0%Conditions apply: tap or hover for detailsShow source
Network conversion rates may apply
Crypto conversion fee
0%Show source
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
Free ATM withdrawals worldwide up to EUR 400 per month (cap per FAQ); ATM operator surcharges may apply
FreeConditions apply: tap or hover for detailsShow source
No CoinZoom fee, domestic and international; ATM operators may charge
Free ATM allowance
€400/monthConditions apply: tap or hover for detailsShow source
Per month; page says the limit is increasing soon
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
1%Conditions apply: tap or hover for detailsShow source
Default rate on all eligible purchases; higher category/merchant rates apply
0.5%Conditions apply: tap or hover for detailsShow source
Non-Prime, no ZOOM required
Max cashback
20%Conditions apply: tap or hover for detailsShow source
Up to; eligible purchases only — conditions not specified
5%Conditions apply: tap or hover for detailsShow source
Black tier: hold 300,000 ZOOM
Cashback paid in
USDCShow source
ZOOMShow source
Cashback type
StablecoinShow source
Platform tokenShow source
Interest on balance
4%Conditions apply: tap or hover for detailsShow source
USD balances via Bleap savings feature, variable; homepage separately advertises up to 8% APY saving plans (plan/lock-up conditions not stated on fetched page)
Cashback-eligible spend cap
€3,000/monthConditions apply: tap or hover for detailsShow source
Default 1% category: max eligible payment 3000€ per month and 500€ per transaction; category caps differ
Cashback conditions
Earned only once an eligible transaction has settled · Earned automatically, no opt-in · Subject to fair usage caps on eligible payment amount per transaction/month/yearShow source
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
NoConditions apply: tap or hover for detailsShow source
No staking and no subscription required
YesConditions apply: tap or hover for detailsShow source
Holding ZOOM, no lock-up
Staking asset
ZOOMShow source
Reward exclusions
Money transfers · Financial services · Gambling · Tax payments · Gift cards and cash-like transactions · Utilities · Excluded MCCs (e.g. 6010, 6011, 4900, 5734, 7372)Show source
Credit & financing
Credit line
NoShow source
NoShow source
Credit type
NoneShow source
Spend own balance directly
YesShow source
YesShow source
Availability
Available in
EEA, SwitzerlandConditions apply: tap or hover for detailsShow source
Card not issued to holders of certain nationalities (incl. US, Turkey, UAE) regardless of residence
Account / spend currencies
EUR · USDShow source
USDConditions apply: tap or hover for detailsShow source
Crypto converted to USD at the point of sale
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesConditions apply: tap or hover for detailsShow source
Ships separately
YesShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Issued instantly in-app
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Free up to €400 per month
YesShow source
Spend stablecoins
YesShow source
YesShow source
Blockchains
Solana · Base · ArbitrumShow 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
MiCA CASP licence No. 27-55/2026/14 (Bleap SIA, Latvijas Banka)Show source
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
Bleap
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+180 EUR
- Net annual value180 EUR
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
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers