ZEN Card vs BitPay 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
ZEN Card
KYC
BitPay Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
10%
0%
ATM fee
1.5%
2%
FX fee
0.5%
3%
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
Unlimited
$2.4k
Network
mastercard
mastercard
IBAN
✓
✗
Apple Pay
✓
✗
Google Pay
✓
✗
Countries
25
1
Coins
BTC, ETH, USDC, USDT
BTC, ETH, USDC, XRP
ZEN Card vs BitPay 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.