CoinZoom Visa Card vs XPlace Card
Crypto native
Crypto native
Verdict
- XPlace Card scores higher overall (6.6 vs 6.2 out of 10).
- XPlace Card is clearly stronger on: Fees, Cashback & rewards, Custody & security, 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
XPlace Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Cashback & rewards, Custody & security, Credit & financing
★ 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 | CoinZoom Visa Card | XPlace Card |
|---|---|---|
| Fees | 82 | 100 |
| Cashback & rewards | 18 | 36 |
| Availability | – | – |
| FX & international | 100 | – |
| Product features | 70 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | 100 | – |
| Transparency | 93 | 100 |
| Best for Cashback | 4.8 | 5.6 |
| Best for Travel | 8.1 | n/a |
| Best for Self-Custody | n/a | 7.3 |
| Best for DeFi Users | 5.5 | 7.2 |
| Best for Stablecoins | 7.0 | 7.1 |
| Best for High Spenders | 5.6 | 5.8 |
| Best for Low Fees | 9.1 | 8.0 |
| Best for Beginners | 6.8 | 7.7 |
| Best Crypto Credit Card | n/a | 7.6 |
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
ActiveConditions apply: tap or hover for detailsShow source
Silver physical cards live; Gold and Platinum physical cards coming soon
Card type
Debit cardShow source
Debit card, Crypto-backed creditShow source
Network
VisaShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends assets held in the CoinZoom wallet
Self-custodyShow source
Card issuer / program manager
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source
Tiers / plans
Non-Prime · Silver (10,000 ZOOM) · Gold (50,000 ZOOM) · Diamond (150,000 ZOOM) · Black (300,000 ZOOM)Show source
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/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
Basic plan; Silver $99, Gold $249, Platinum $999 a year
Physical card fee
$5Conditions apply: tap or hover for detailsShow source
Standard shipping for Non-Prime ($12 expedited); free from Silver
Virtual card fee
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
Network conversion rates may apply
Crypto conversion fee
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
No CoinZoom fee, domestic and international; ATM operators may charge
Other fees & markups
Declined card payment (insufficient funds) $0.50 · Chargeback $100 · Virtual card reissuance 1,000 ZOOMShow source
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Non-Prime, no ZOOM required
0.5%Conditions apply: tap or hover for detailsShow source
Basic plan, Credit Mode
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
Platinum plan ($999/year), Credit Mode
Cashback paid in
ZOOMShow source
USDCShow source
Cashback type
Platform tokenShow source
StablecoinShow source
Interest on balance
6.15%Conditions apply: tap or hover for detailsShow source
Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)
Cashback conditions
Silver 1% (10,000 ZOOM), Gold 2% (50,000), Diamond 3% (150,000), Black 5% (300,000)Show source
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Holding ZOOM, no lock-up
Staking asset
ZOOMShow source
Credit & financing
Credit line
NoShow source
YesShow source
Credit type
Crypto-backed creditShow source
Collateral assets
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source
Max loan-to-value
80%Conditions apply: tap or hover for detailsShow source
Tether vault; SOL and BTC 65%, ETH 70%
Liquidation risk
YesShow source
Spend own balance directly
YesShow source
Spend by borrowing against collateral
YesShow source
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
YesConditions apply: tap or hover for detailsShow source
Silver plan; Gold and Platinum coming soon
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited
Limits
ATM limit
$200Conditions apply: tap or hover for detailsShow source
Per day, Non-Prime
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
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
XPlace Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers