ZEN Card vs Blackcatcard
The short answer
Winner: ZEN Card — 6.7/10 versus 4.9/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
ZEN Card
KYC
B
Blackcatcard
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
Free
Cashback
0%
0.5%
ATM fee
1.5%
1%
FX fee
0.5%
3%
Per transaction
Unlimited
Unlimited
Daily limit
$10k
Unlimited
Monthly limit
Unlimited
Unlimited
KYC
KYC
KYC
Card type
Debit
Prepaid
Custody
Custodial
Custodial
Conversion fee
2.5%
2.1%
ATM per transaction
Unlimited
$2k
Network
mastercard
mastercard
IBAN
✓
✓
Apple Pay
✓
✗
Google Pay
✓
✗
Countries
25
17
Coins
BTC, ETH, USDC, USDT
BTC, ETH, USDT
ZEN Card vs Blackcatcard FAQ
On our composite score ZEN Card edges ahead (6.7/10 vs 4.9/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.