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CoinZoom Visa Card vs Wise Card

CoinZoom Visa Card

Crypto native

6.3
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Wise Card

E-money / FinTech

6.9
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Verdict

  • Wise Card scores higher overall (6.9 vs 6.3 out of 10).
  • CoinZoom Visa Card is clearly stronger on: FX & international, Limits & ATM.
  • Wise Card is clearly stronger on: Fees.
  • For 1,500 EUR/month of spend, CoinZoom Visa Card comes out about 105 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

Wise Card is a good fit for

  • Frequent travellers

Stronger on: Fees

★ 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 CashWise Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCoinZoom Visa CardWise Card
Fees82100
Cashback & rewards1812
Availability–100
FX & international10083
Product features7070
Custody & security7575
Credit & financing3030
Limits & ATM10051
Transparency93100
Best for Cashback4.85.0
Best for Travel8.17.5
Best for DeFi Users6.0n/a
Best for Stablecoins7.2n/a
Best for High Spenders5.64.9
Best for Low Fees9.18.8
Best for Beginners6.98.1
Best E-Money Cardn/a8.4

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

Visa in Ireland and the EEA; network depends on issuing country

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

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

Monthly fee

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

No subscription required

Physical card fee

$5Conditions apply: tap or hover for detailsShow source

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

€7Conditions apply: tap or hover for detailsShow source

Ireland page; one-time card order fee

Virtual card fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Ireland page

Replacement fee

FreeConditions apply: tap or hover for detailsShow source

Card replacement listed as free under CoinZoom Visa Card fees

€4Conditions apply: tap or hover for detailsShow source

Ireland page; free if the card was expiring

FX fee

0%Conditions apply: tap or hover for detailsShow source

Network conversion rates may apply

0.43%Conditions apply: tap or hover for detailsShow source

From; varies by currency pair; 0% when spending a currency you hold

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

FreeConditions apply: tap or hover for detailsShow source

Domestic bank transfer only; other payment methods have varying fees

ATM fee

FreeConditions apply: tap or hover for detailsShow source

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

2.69%Conditions apply: tap or hover for detailsShow source

Eurozone-issued cards, above the free allowance; ATM operators may add fees

Free ATM allowance

No data yet
€250/monthConditions apply: tap or hover for detailsShow source

Eurozone-issued cards; no limit on the number of free withdrawals

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

Conversion fee when spending a currency not held in the account · Fee may apply to get or replace the card · ATM withdrawals free only up to a certain amountConditions apply: tap or hover for detailsShow source

Spending a currency you hold is free

Cashback & rewards

Base cashback

0.5%Conditions apply: tap or hover for detailsShow source

Non-Prime, no ZOOM required

0%Conditions apply: tap or hover for detailsShow source

No cashback on card spending (owner research)

Max cashback

5%Conditions apply: tap or hover for detailsShow source

Black tier: hold 300,000 ZOOM

No data yet

Cashback paid in

ZOOMShow source
No data yet

Cashback type

Platform tokenShow source
NoneConditions apply: tap or hover for detailsShow source

No cashback on card spending (owner research); Wise's 'balance cashback' is interest on the balance, recorded as interest

Interest on balance

No data yet
2.4%Conditions apply: tap or hover for detailsShow source

Balance cashback for EEA customers on USD balances (September 2026, annualised, variable); EUR 1.20%, GBP 2.20%; 30% Belgian withholding tax deducted; minimum balance applies

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

Minimum balance

No data yet
€101Conditions apply: tap or hover for detailsShow source

Held for the whole month to receive balance cashback, based on September 2026 rates (55 GBP, 51 USD)

Reward exclusions

No data yet
Account outside the EEA · Money held in Wise Assets (interest/stocks) · Negative or suspended account · Pre-tax cashback under 0.10 · Opted out of cashbackShow source

Credit & financing

Credit line

NoShow source
NoShow source

Spend own balance directly

YesShow source
YesShow source

Availability

Available in

No data yet
Australia, Brazil, Canada, EEA, Japan, Malaysia, New Zealand, Philippines, Singapore, Switzerland, Thailand, United Kingdom, United StatesConditions apply: tap or hover for detailsShow source

Thailand only for accounts registered on or after 21 January 2026

Not available in

No data yet
Hong KongConditions apply: tap or hover for detailsShow source

Cards are blocked on moving to Hong Kong; no new card offered

Account / spend currencies

USDConditions apply: tap or hover for detailsShow source

Crypto converted to USD at the point of sale

EUR · GBP · USD · and many moreShow source

Own IBAN / bank details

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

Personal accounts; business accounts may pay a one-time setup fee

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

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

Wise Europe SA: authorised payment institution supervised by the National Bank of BelgiumConditions apply: tap or hover for detailsShow source

EU entity

Deposit protection

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

Funds safeguarded (cash at commercial banks and money market funds), not covered by the Belgian Deposit Guarantee Scheme; Assets investment feature has separate Estonian Guarantee Fund protection

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

Wise Card

  • Annual & monthly fees+0 EUR
  • FX costs−15 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual value-15 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 Wise Card comparisons