MetaMask Card vs ZEN Card
The short answer
Winner: MetaMask Card — 7.6/10 versus 7.4/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
MetaMask Card
KYC
ZEN Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
1%
10%
ATM fee
2%
1.5%
FX fee
1%
0.5%
Per transaction
$10k
Unlimited
Daily limit
$15k
$10k
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Non-custodial
Custodial
Conversion fee
0.5%
Free
ATM per transaction
$400
Unlimited
Network
mastercard
mastercard
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
24
25
Coins
ETH, USDC, USDT
BTC, ETH, USDC, USDT
MetaMask Card vs ZEN Card FAQ
On our composite score MetaMask Card edges ahead (7.6/10 vs 7.4/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.