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CoinZoom Visa Card vs Uphold Debit Card (US)

CoinZoom Visa Card

Crypto native

6.3
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Uphold Debit Card (US)

Crypto native

5.6
Get the card

Verdict

  • CoinZoom Visa Card scores higher overall (6.3 vs 5.6 out of 10).
  • CoinZoom Visa Card is clearly stronger on: FX & international, Limits & ATM.
  • Uphold Debit Card (US) is clearly stronger on: Fees, Cashback & rewards.
  • For 1,500 EUR/month of spend, Uphold Debit Card (US) comes out about 184 EUR a year ahead on base-tier terms.

CoinZoom Visa Card is a good fit for

  • Stablecoin holders
  • Frequent travellers

Stronger on: FX & international, Limits & ATM

Uphold Debit Card (US) is a good fit for

  • Stablecoin holders
  • Everyday spenders who want cashback

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
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Review & sourcesCoinZoom Visa Card vs ether.fi CashUphold Debit Card (US) vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinZoom Visa CardUphold Debit Card (US)
Fees8299
Cashback & rewards1850
Availability–3
FX & international10040
Product features7070
Custody & security75–
Credit & financing3030
Limits & ATM10074
Transparency93100
Best for Cashback4.85.7
Best for Travel8.15.7
Best for DeFi Users6.05.8
Best for Stablecoins7.26.7
Best for High Spenders5.66.0
Best for Low Fees9.18.1
Best for Beginners6.96.8

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
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Spends assets held in the CoinZoom wallet

No data yet

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")

Essential (no annual fee) · Elite ($99.99/year)Show source

Fees

Annual fee

FreeConditions apply: tap or hover for detailsShow source

On every tier

FreeConditions apply: tap or hover for detailsShow source

Essential; Elite $99.99/year

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

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

$4.99Conditions apply: tap or hover for detailsShow source

Essential

Virtual card fee

FreeShow source
No data yet

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

1.5%Conditions apply: tap or hover for detailsShow source

Essential; Elite has no foreign transaction fees

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

$2.95Conditions apply: tap or hover for detailsShow source

Essential; Elite has no ATM fees

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

Essential, paid in XRP

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

4%Conditions apply: tap or hover for detailsShow source

Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins

Cashback paid in

ZOOMShow source
XRP (or other crypto at Uphold's discretion)Show source

Cashback type

Platform tokenShow source
CryptoShow source

Interest on balance

No data yet
3%Conditions apply: tap or hover for detailsShow source

Up to 3% APY on stablecoin balances; variable; no paid plan stated on page

Max cashback per month

No data yet
$120/monthConditions apply: tap or hover for detailsShow source

Essential; Elite $300/month

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

No data yet

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Holding ZOOM, no lock-up

No data yet

Staking asset

ZOOMShow source
No data yet

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

YesShow source
No data yet

Availability

Available in

No data yet
United StatesConditions apply: tap or hover for detailsShow source

Not in Louisiana, New York or US territories

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
YesConditions apply: tap or hover for detailsShow source

When available

Google Pay

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

When available

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential: plastic $4.99; Elite: metal $0

Virtual card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential and Elite: $0

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Essential: $2.95 per withdrawal; Elite: $0

Spend stablecoins

YesShow source
YesShow 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

USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow 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

Uphold Debit Card (US)

  • Annual & monthly fees+0 EUR
  • FX costs−54 EUR
  • Crypto conversion–
  • ATM costs−32 EUR
  • Cashback+360 EUR
  • Net annual value274 EUR

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

More CoinZoom Visa Card comparisons

More Uphold Debit Card (US) comparisons