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CoinZoom Visa Card vs CL Card (Ledger)

CoinZoom Visa Card

Crypto native

6.3
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CL Card (Ledger)

Crypto native

6.0
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Verdict

  • CoinZoom Visa Card scores higher overall (6.3 vs 6.0 out of 10).
  • CL Card (Ledger) is clearly stronger on: Credit & financing.
  • 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

CL Card (Ledger) is a good fit for

  • Users who need credit rather than a debit/prepaid card

Stronger on: Credit & financing

★ 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
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Review & sourcesCoinZoom Visa Card vs ether.fi CashCL Card (Ledger) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinZoom Visa CardCL Card (Ledger)
Fees82–
Cashback & rewards1824
Availability–100
FX & international100–
Product features7070
Custody & security7575
Credit & financing3075
Limits & ATM100–
Transparency9393
Best for Cashback4.84.6
Best for Travel8.1n/a
Best for DeFi Users6.06.0
Best for Stablecoins7.2n/a
Best for High Spenders5.64.5
Best for Low Fees9.1n/a
Best for Beginners6.97.1
Best Crypto Credit Cardn/a6.5

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
VisaConditions apply: tap or hover for detailsShow source

Stated for the US card only

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Spends assets held in the CoinZoom wallet

CustodialShow source

Card issuer / program manager

No data yet
Frozen Time Unipessoal LDA (Crypto Life platform), with partner baanx.com LtdShow 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")

No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

On every tier

No data yet

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

Standard shipping for Non-Prime ($12 expedited); free from Silver

No data yet

Virtual card fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Currency not stated on the page

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Card replacement listed as free under CoinZoom Visa Card fees

No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

Network conversion rates may apply

No data yet

Crypto conversion fee

1.49%Conditions apply: tap or hover for detailsShow source

Crypto liquidation when spending crypto

No data yet

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

No data yet

ATM fee

FreeConditions apply: tap or hover for detailsShow source

No CoinZoom fee, domestic and international; ATM operators may charge

No data yet

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

3.49% fee on withdrawals to own bank account · Physical card delivery fee may apply · Replacement card fees may apply · Liquidation fee percentage applied when calculating available balanceShow source

Cashback & rewards

Base cashback

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

1%Conditions apply: tap or hover for detailsShow source

Calculated monthly on all card spend

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

2%Conditions apply: tap or hover for detailsShow source

If cashback is paid in BXX (Baanx token)

Cashback paid in

ZOOMShow source
BTC, USDT or BXXShow source

Cashback type

Platform tokenShow source
CryptoShow source

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

Choose the cashback asset first · Calculated on all monthly card transactions and paid at the end of each monthShow source

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding ZOOM, no lock-up

NoShow source

Staking asset

ZOOMShow source
No data yet

Reward exclusions

No data yet
Transactions funded by CryptodraftShow source

Credit & financing

Credit line

NoShow source
YesConditions apply: tap or hover for detailsShow source

Optional; rates depend on country of residence

Credit type

No data yet
Crypto-backed creditConditions apply: tap or hover for detailsShow source

Optional credit line

Collateral assets

No data yet
BTC · ETHConditions apply: tap or hover for detailsShow source

Cryptodraft and Stableloan collateral; BXX usable as collateral for stablecoin borrowing (max 10% LTV)

Max loan-to-value

No data yet
60%Conditions apply: tap or hover for detailsShow source

Cryptodraft

Interest notes

No data yet
Cryptodraft: first 10% spent interest-free, remaining 50% at 1% monthly percentage rate (MPR); higher interest-free LTV with staked BXXShow source

Liquidation risk

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

Stableloan when LTV significantly exceeds agreed LTV

Spend own balance directly

YesShow source
YesShow source

Spend by borrowing against collateral

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

Page only says crypto can be used as collateral; no credit terms given

Availability

Available in

No data yet
EEA, United Kingdom, United States, Canada, Switzerland, Colombia, Mexico, BrazilConditions apply: tap or hover for detailsShow source

Per Ledger shop FAQ; other Ledger pages list fewer regions

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Crypto converted to USD at the point of sale

No data yet

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesShow source
No data yet

Spendable assets

No data yet
BTC · ETH · SOL · StablecoinsConditions apply: tap or hover for detailsShow source

Top-up assets ('and more'); converted to fiat at purchase

Blockchains

No data yet
Bitcoin · Litecoin · XRP · Ethereum · SolanaConditions apply: tap or hover for detailsShow source

Solana only for receiving SOL; Layer 2 networks not supported

Limits

ATM limit

$200Conditions apply: tap or hover for detailsShow source

Per day, Non-Prime

No data yet

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)

No data yet

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

Frozen Time Unipessoal LDA: registered by Banco de Portugal for crypto-asset services · baanx.com Ltd: FCA-authorised for crypto-asset servicesShow 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

CL Card (Ledger)

  • Annual & monthly feesunknown
  • FX costsunknown
  • 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

More CoinZoom Visa Card comparisons

More CL Card (Ledger) comparisons