ZEN Card vs Based Card
The short answer
Winner: ZEN Card — 6.7/10 versus 6.2/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
ZEN Card
KYC
Based Card
Email only
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
4%
ATM fee
1.5%
Free
FX fee
0.5%
2.5%
Per transaction
Unlimited
Unlimited
Daily limit
$10k
$3k
Monthly limit
Unlimited
Unlimited
KYC
KYC
Email only
Card type
Debit
Debit
Custody
Custodial
Non-custodial
Conversion fee
2.5%
Free
ATM per transaction
Unlimited
Unlimited
Network
mastercard
visa
IBAN
✓
✗
Apple Pay
✓
✗
Google Pay
✓
✗
Countries
25
41
Coins
BTC, ETH, USDC, USDT
SOL, USDC, USDT
ZEN Card vs Based Card FAQ
On our composite score ZEN Card edges ahead (6.7/10 vs 6.2/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.