Points rewardsNo CEX
- Cashback
- 0% base
- Plan cost
- $20/year
- Custody
- Custodial
- Network
- Visa
Card comparison
Compare cards, side by side
Compare fees, rewards, everyday use, money movement and custody from the same reviewed profiles used across the catalog. Missing data stays visible instead of becoming an advantage.
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02 · Read the shortlist
Start with scores and key trade-offs
Each summary uses the same profile and Overall Score as the catalog. Open a score to see its seven fixed category ratings.
Low FXNo CEX
- Cashback
- 0.5%-4%
- Plan cost
- $0
- Custody
- Hybrid
- Network
- Visa
77
Visa / MCLow FX
- Cashback
- 0% base
- Plan cost
- $0
- Custody
- Custodial
- Network
- Mastercard/Visa
Metal cardNo CEX
- Cashback
- 1.5%-3%
- Plan cost
- $0
- Custody
- Custodial
- Network
- Visa
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03 · Compare the evidence
Scan every difference, row by row
Best markers compare known numeric values only. A missing or unverified field stays explicit and never wins a row.
Best known Not disclosed
Cards
Solayer Pay CardOverall55
XPlace CardOverall68
ZEN CardOverall77
KAST CardOverall84
Solayer Pay CardOverall55XPlace CardOverall68ZEN CardOverall77KAST CardOverall84- Special offer
- Solayer Pay CardNo active offerXPlace CardNo active offerZEN CardNo active offerKAST Card20% off20% off your first subscription
Scores
6 fields- Overall Score
- Solayer Pay Card55XPlace Card68ZEN Card77KAST Card84
- Cashback score
- Solayer Pay Card21XPlace Card49ZEN Card39KAST Card75
- Travel score
- Solayer Pay Card53XPlace Card61ZEN Card96KAST Card93
- Funds control score
- Solayer Pay Card47XPlace Card67ZEN Card65KAST Card71
- Lowest fees score
- Solayer Pay Card43XPlace Card69ZEN Card81KAST Card82
- Transfers score
- Solayer Pay Card29XPlace Card62ZEN Card98KAST Card100
Strengths & trade-offs
2 fields- Strengths
- Solayer Pay CardVirtual and physical Visa cards, Spend USDC from SolanaXPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessKAST CardTransfers span crypto, Tag and bank payouts, Physical, virtual and phone-wallet card access
- Trade-offs
- Solayer Pay CardPurchases earn Emerald Points, FX costs vary by regionXPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateKAST CardNon-USD FX can exceed entry cashback, ATM use adds two charges
Costs
7 fields- Plan cost
- Solayer Pay Card$20/yearXPlace Card$0ZEN Card$0KAST Card$0
- FX fee
- Solayer Pay CardUp to 3% stated + $0.10; components may stackXPlace Card0–1%ZEN Card0–0.5%KAST Card0.5–1.75%
- Top-up fee
- Solayer Pay Card1%XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesZEN Card0–3%KAST Card0%
- Card spending fee
- Solayer Pay Card$0.15XPlace Card0%ZEN Card0%KAST Card0%
- ATM fee
- Solayer Pay CardNot disclosedXPlace CardNot availableZEN Card0–1.5%KAST Card$3 + 2%
- Virtual card
- Solayer Pay Card$0 virtual card; included with the $20/year Solayer Pay base planXPlace CardNot disclosedZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5KAST CardFree first two
- Physical card
- Solayer Pay CardFree card; US Express shipping $24.99 or International Express shipping $59.99XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10KAST CardFree; $40 shipping
Plans
2 fields- Available plans
- Solayer Pay Card1 plans: Solayer PayXPlace Card4 plans: Basic, Silver, Gold, PlatinumZEN Card4 plans: Free, Gold, Platinum, ProKAST Card3 plans: Standard, Premium, Private
- Top cashback plan
- Solayer Pay CardNot disclosedXPlace CardPlatinum: 2%ZEN CardFree: 0%KAST CardPrivate: 3%
Everyday use
8 fields- Network
- Solayer Pay CardVisaXPlace CardVisaZEN CardMastercard/VisaKAST CardVisa
- Card formats
- Solayer Pay CardVirtual, PhysicalXPlace CardVirtual, PhysicalZEN CardVirtual, PhysicalKAST CardVirtual, Physical
- ATM withdrawals
- Solayer Pay CardAvailableXPlace CardNot availableZEN CardAvailableKAST CardAvailable
- Mobile wallets
- Solayer Pay CardApple Pay, Google PayXPlace CardApple Pay, Google PayZEN CardApple Pay, Google PayKAST CardApple Pay, Google Pay
- Apps
- Solayer Pay CardiOS, AndroidXPlace CardiOS, AndroidZEN CardiOS, Android, WebKAST CardiOS, Android
- Daily spending limit
- Solayer Pay CardShown in appXPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)KAST CardNo cap
- Monthly spending limit
- Solayer Pay CardShown in appXPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthZEN CardNot publicly confirmedKAST CardNo cap
- ATM limit
- Solayer Pay CardLimits shown in appXPlace CardNot available while only the virtual card is liveZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)KAST CardLimits shown in app
Funding & transfers
5 fields- Networks
- Solayer Pay CardSolanaXPlace CardSolanaZEN CardNot disclosedKAST CardSolana, Ethereum, Tron, Polygon, BNB Chain, Arbitrum +7
- Crypto deposits
- Solayer Pay CardStablecoins: USDCXPlace CardStablecoins: USDCZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHKAST CardStablecoins: USDT, USDC, USDe, PYUSD, RLUSD; Other crypto: BTC, ETH, SOL, XRP, AAVE +22
- Fiat deposits
- Solayer Pay CardNot disclosedXPlace CardNot disclosedZEN CardSEPA bank transfer, Payment-card top-upKAST CardUSD bank transfer, EU bank transfer, BRL PIX deposit, MXN SPEI deposit +2
- Transfers
- Solayer Pay CardNot disclosedXPlace CardStablecoin transfersZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersKAST CardStablecoin transfers; KAST Tag; Global USD SWIFT payout, USD local payout, EUR SEPA payout, Other local currency payouts
- Payout currencies
- Solayer Pay CardNot disclosedXPlace CardNot disclosedZEN CardEURKAST CardUSD, EUR, AED, SAR, JPY, INR, PHP, THB +4
Rewards
3 fields- Base cashback
- Solayer Pay Card0%XPlace Card0.5%ZEN Card0%KAST Card1.5%
- Max cashback
- Solayer Pay CardNot disclosedXPlace Card4%ZEN CardNot disclosedKAST Card3%
- Reward currency
- Solayer Pay CardEmerald PointsXPlace CardUSDCZEN CardTransaction currencyKAST CardUSD cashback
Earn
5 fields- Advertised APY
- Solayer Pay CardUp to 3.5% APYXPlace CardUp to 6.15% APYZEN CardNot offeredKAST CardUp to 7% APY
- How it works
- Solayer Pay CardEarn on spending balanceXPlace CardBorrow against collateral, Optional earn vaultZEN CardNot offeredKAST CardOptional earn vault
- Separate deposit
- Solayer Pay CardNoXPlace CardYesZEN CardNot offeredKAST CardYes
- Use balance for spending
- Solayer Pay CardYesXPlace CardNoZEN CardNot offeredKAST CardNo
- Lock-up
- Solayer Pay CardNoXPlace CardNoZEN CardNot offeredKAST CardNo
Trust & availability
8 fields- Custody
- Solayer Pay CardCustodialXPlace CardHybrid custodyZEN CardCustodialKAST CardCustodial
- Control until payment
- Solayer Pay CardProvider controls fundsXPlace CardProvider controls fundsZEN CardProvider controls fundsKAST CardProvider controls funds
- Card issuer
- Solayer Pay CardThird NationalXPlace CardThird NationalZEN CardUAB ZEN.COMKAST CardThird National
- Card processing
- Solayer Pay CardNot disclosedXPlace CardSignify Holdings, Inc. (Rain)ZEN CardNot disclosedKAST CardTazapay
- Custody / key management
- Solayer Pay CardNot disclosedXPlace CardNot disclosedZEN CardNot disclosedKAST CardBitGo
- Deposits & withdrawals
- Solayer Pay CardNot disclosedXPlace CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCKAST CardNot disclosed
- Identity verification
- Solayer Pay CardSumsubXPlace CardSumsubZEN CardNot disclosedKAST CardNot disclosed
- Programme operator
- Solayer Pay CardSolayer Labs, Inc.XPlace CardNot disclosedZEN CardNot disclosedKAST CardTroia Corp
Sources
2 fields- Official sources
- Solayer Pay Card25XPlace Card26ZEN Card43KAST Card20
- Last reviewed
- Solayer Pay CardAug 12, 2026XPlace CardAug 27, 2026ZEN CardSep 5, 2026KAST CardAug 31, 2026
Use the comparison
Choose the trade-offs you can live with
Scores create a useful starting point. The guides explain the money flow, costs and reward conditions behind the rows.