ZEN Card vs Plutus Card
The short answer
Winner: Plutus Card — 7.2/10 versus 6.7/10. It leads on the blend of fees, trust, and community sentiment.
Updated July 2026
ZEN Card
KYC
Plutus Card
KYC
Score
Annual fee
Free
Free
Monthly fee
Free
$6.99
Cashback
0%
3%
ATM fee
1.5%
2.5%
FX fee
0.5%
2.5%
Per transaction
Unlimited
$500k
Daily limit
$10k
$500k
Monthly limit
Unlimited
$1000k
KYC
KYC
KYC
Card type
Debit
Debit
Custody
Custodial
Custodial
Conversion fee
2.5%
Free
ATM per transaction
Unlimited
Unlimited
Network
mastercard
visa
IBAN
✓
✗
Apple Pay
✓
✓
Google Pay
✓
✓
Countries
25
15
Coins
BTC, ETH, USDC, USDT
BTC, ETH, USDT
ZEN Card vs Plutus Card FAQ
On our composite score Plutus Card edges ahead (7.2/10 vs 6.7/10). The right pick still comes down to what you weigh most — fees, privacy, or cashback.