BitPay Card vs ZEN Card
The short answer
Winner: ZEN Card — 7.4/10 versus 6.3/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
BitPay Card
KYC
ZEN Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
10%
ATM fee
2%
1.5%
FX fee
3%
0.5%
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$10k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
Free
ATM per transaction
$2.4k
Unlimited
Network
mastercard
mastercard
IBAN
✗
✓
Apple Pay
✗
✓
Google Pay
✗
✓
Countries
1
25
Coins
BTC, ETH, USDC, XRP
BTC, ETH, USDC, USDT
BitPay Card vs ZEN Card FAQ
On our composite score ZEN Card edges ahead (7.4/10 vs 6.3/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.