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Updated for August 2026

Crypto.com vs ZEN Card

Two no-fee crypto cards, head to head. Here’s how they stack up.

Crypto.com#1
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com
ZEN Card#2
MastercardDebit
ZEN Card card
Cashback
None
Monthly fee
None
Our score
2.9
Get ZEN Card

The bottom line

Choose Crypto.com if…

you want the highest cashback in this matchup — earn 5% back on everyday spend.

5% cashbackNo monthly fee2.2★ rating

Choose ZEN Card if…

you want our top-rated pick here — it scores 2.9/5 with our editors.

None cashbackNo monthly fee2.9★ rating
4 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.ZEN Card logoZEN Card

All about Crypto.com Obsidian

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Get Crypto.com Obsidian

ZEN Card

ZEN Card card
Get ZEN Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackNone
FX fee0.5%
Savings0.0
ATM fee1.5%
Currencies6
Supported countries60
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Bonus offers

No current bonus offer.

No current bonus offer.

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback on everyday purchases
Partner store cashback (free tier)50% of displayed rate
Welcome bonus
Staking rewards
—

Pros

  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
  • No monthly fee
  • Free virtual card
  • Personal IBAN included
  • Wide 60-country availability
  • High daily ATM limit (EUR 30,000)
—

Cons

  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
  • 2.5% crypto-to-EUR conversion fee
  • 0.5% FX fee on non-EUR transactions
  • No auto-conversion at point of sale
  • ATM withdrawals cost 1.5%
  • Physical card costs EUR 10
  • Cashback only at select partner stores
  • Free tier earns just 50% of displayed cashback
  • Custodial arrangement not disclosed
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Options to Crypto.com

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card