Crypto.com Visa vs ZEN Card
The short answer
Winner: Crypto.com Visa — 7.8/10 versus 7.4/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Crypto.com Visa
KYC
ZEN Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
5%
10%
ATM fee
2%
1.5%
FX fee
2%
0.5%
Per transaction
Unlimited
Unlimited
Daily limit
$25k
$10k
Monthly limit
$25k
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
Free
ATM per transaction
$800
Unlimited
Network
visa
mastercard
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
24
25
Coins
BNB, BTC, ETH, USDC, USDT, XRP
BTC, ETH, USDC, USDT
Crypto.com Visa vs ZEN Card FAQ
On our composite score Crypto.com Visa edges ahead (7.8/10 vs 7.4/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.