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CoinZoom Visa Card vs OKX Card (EEA)

CoinZoom Visa Card

Crypto native

6.3
Get the card
OKX Card (EEA)

Crypto native

7.9
Get the card

Verdict

  • OKX Card (EEA) scores higher overall (7.9 vs 6.3 out of 10).
  • CoinZoom Visa Card is clearly stronger on: Product features.
  • OKX Card (EEA) is clearly stronger on: Fees, Cashback & rewards.
  • 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: Product features

OKX Card (EEA) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback
  • Frequent travellers

Stronger on: Fees, 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
Get the card
Review & sourcesCoinZoom Visa Card vs ether.fi CashOKX Card (EEA) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinZoom Visa CardOKX Card (EEA)
Fees8299
Cashback & rewards1865
Availability–93
FX & international100100
Product features7056
Custody & security7575
Credit & financing3030
Limits & ATM100–
Transparency93100
Best for Cashback4.87.6
Best for Travel8.18.4
Best for DeFi Users6.07.0
Best for Stablecoins7.28.5
Best for High Spenders5.67.2
Best for Low Fees9.19.2
Best for Beginners6.98.2

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

ActiveShow source
ActiveShow source

Card type

Debit cardShow source
Stablecoin cardShow source

Network

VisaShow source
MastercardShow 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

Launch date

No data yet
2026-01-28Show source

Card issuer / program manager

No data yet
UAB Monavate (issuer); OKX Europe Limited (program manager)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")

No data yet

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

On every tier

FreeShow source

Monthly fee

No data yet
FreeShow source

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
FreeShow source

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

0%Conditions apply: tap or hover for detailsShow source

No added OKX FX fee

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

Market spread converting stablecoins to EUR

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

No data yet

Cashback & rewards

Base cashback

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

2%Conditions apply: tap or hover for detailsShow source

Non-VIP, USDG-funded purchases, capped at €10/month; promotional cashback during the initial launch period

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

10%Conditions apply: tap or hover for detailsShow source

VIP 4+ on OKX, capped at €1,000/month

Cashback paid in

ZOOMShow source
USDGShow source

Cashback type

Platform tokenShow source
StablecoinShow source

Max cashback per month

No data yet
€1,000/monthConditions apply: tap or hover for detailsShow source

Highest cap (VIP 3 and above); regular users EUR 10, VIP1 EUR 300, VIP2 EUR 450

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

Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding ZOOM, no lock-up

NoConditions apply: tap or hover for detailsShow source

Cashback level depends on OKX VIP level instead

Staking asset

ZOOMShow source
No data yet

Reward exclusions

No data yet
USDC payments earn no cashbackShow source

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

YesShow source
No data yet

Availability

Available in

No data yet
European Union, NorwayShow source

Not available in

No data yet
Iceland, LiechtensteinShow source

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Crypto converted to USD at the point of sale

EURShow source

Features

Apple Pay

No data yet
YesShow source

Google Pay

No data yet
YesShow source

Physical card

YesShow source
NoConditions apply: tap or hover for detailsShow source

Currently virtual-only

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

YesShow source
YesShow source

Spendable assets

No data yet
USDC · USDGShow source

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

OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source

Deposit protection

No data yet
NoShow 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

OKX Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+360 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 OKX Card (EEA) comparisons