Plutus Card vs ZEN Card
The short answer
Winner: ZEN Card — 7.4/10 versus 7.2/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Plutus Card
KYC
ZEN Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
3%
10%
ATM fee
2.5%
1.5%
FX fee
2.5%
0.5%
Per transaction
$500k
Unlimited
Daily limit
$500k
$10k
Monthly limit
$1000k
Unlimited
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
Free
Free
ATM per transaction
Unlimited
Unlimited
Network
visa
mastercard
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
15
25
Coins
BTC, ETH, USDT
BTC, ETH, USDC, USDT
Plutus Card vs ZEN Card FAQ
On our composite score ZEN Card edges ahead (7.4/10 vs 7.2/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.