Rain Card vs ZEN Card
The short answer
Winner: Rain Card — 7.5/10 versus 7.4/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
Rain Card
Email only
ZEN Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
1%
10%
ATM fee
Free
1.5%
FX fee
Free
0.5%
Per transaction
Unlimited
Unlimited
Daily limit
Unlimited
$10k
Monthly limit
Unlimited
Unlimited
KYC
Email only
KYC
Card type
Debit
Debit
Custody
Non-custodial
Custodial
Conversion fee
Free
Free
ATM per transaction
Unlimited
Unlimited
Network
visa
mastercard
IBAN
✗
✓
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
1
25
Coins
ETH, USDC
BTC, ETH, USDC, USDT
Rain Card vs ZEN Card FAQ
On our composite score Rain Card edges ahead (7.5/10 vs 7.4/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.