BleapBleap
94
Side-by-side card comparison
Bleap vs ZEN: fees, rewards and account setup
Bleap Card has the higher Overall Score by 17 points (94 vs 77). Bleap Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where ZEN Card may still be the better personal fit.
Information checked Aug 23, 202671 official sources reviewed
01 · Make the first cut
Bleap Card is the better all-round starting point
Bleap Card has the higher Overall Score in this comparison. ZEN Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBleap94ZEN77Higher score
CashbackBleap74ZEN39Higher score
TravelBleap100ZEN96Higher score
Funds controlBleap100ZEN65Higher score
Lowest feesBleap95ZEN80Higher score
TransfersBleap100ZEN98Higher score
Choose Bleap Card if cashback and travel matter most
Bleap Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody with an independent exit
- Core card fees are listed at zero
- Both card formats and phone wallets
Choose ZEN Card if its day-to-day setup suits you
ZEN Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Bleap94ZEN77
Bleap Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Bleap$0 plan · Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply FXZEN$0 plan · 0–0.5% FX
Bleap Card has the lower published FX fee (Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply vs 0–0.5%).
- Purchase rewards
- Bleap1% base · up to 20%ZEN0% base
Bleap Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- BleapSelf-controlled walletZENCustodial balance
Bleap Card uses a self-controlled wallet setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- BleapVirtual + Physical · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Bleap3 stablecoins · Stablecoin transfers; Bank transfer in, Bank cash-outZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 1%-20%
- Plan cost
- $0
- FX fee
- Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply
- ATM fee
- Bleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can apply
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 3 crypto · 1 fiat
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 fiat
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsBleap CardOverall94ZEN CardOverall77
Bleap CardOverall94ZEN CardOverall77Scores
6 fields- Overall Score
- Bleap Card94ZEN Card77
- Cashback score
- Bleap Card74ZEN Card39
- Travel score
- Bleap Card100ZEN Card96
- Funds control score
- Bleap Card100ZEN Card65
- Lowest fees score
- Bleap Card95ZEN Card80
- Transfers score
- Bleap Card100ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Bleap CardSelf-custody with an independent exit, Core card fees are listed at zeroZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Bleap CardRollout remains account-gated, High cashback is category-specificZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Bleap Card$0ZEN Card$0
- FX fee
- Bleap CardBleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can applyZEN Card0–0.5%
- Top-up fee
- Bleap CardSEPA buy processing: 0%; other funding routes can include a spread or external network costZEN Card0–3%
- Card spending fee
- Bleap Card0%ZEN Card0%
- ATM fee
- Bleap CardBleap fee: €0; up to 3 withdrawals and €400 per month; ATM operator surcharge can applyZEN Card0–1.5%
- Virtual card
- Bleap Card€0ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Bleap Card€0 issuance; €0 deliveryZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Bleap CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Bleap CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Bleap CardMastercardZEN CardMastercard/Visa
- Card formats
- Bleap CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Bleap CardAvailableZEN CardAvailable
- Mobile wallets
- Bleap CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Bleap CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Bleap Card€15,000/day; €10,000 per transactionZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Bleap Card€30,000 rolling monthZEN CardNot publicly confirmed
- ATM limit
- Bleap Card3 withdrawals and €400 per monthZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Bleap CardBase, Arbitrum, SolanaZEN CardNot disclosed
- Crypto deposits
- Bleap CardStablecoins: USDC, EURE, USDTZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Bleap CardManual bank transferZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Bleap CardStablecoin transfers; Bank transfer in, Bank cash-outZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Bleap CardEUR, MXNZEN CardEUR
Rewards
3 fields- Base cashback
- Bleap Card1%ZEN Card0%
- Max cashback
- Bleap Card20%ZEN CardNot disclosed
- Reward currency
- Bleap CardUSDCZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Bleap CardNot disclosedZEN CardNot offered
- How it works
- Bleap CardOptional earn vaultZEN CardNot offered
- Separate deposit
- Bleap CardYesZEN CardNot offered
- Use balance for spending
- Bleap CardNot disclosedZEN CardNot offered
- Lock-up
- Bleap CardNoZEN CardNot offered
Trust & availability
4 fields- Custody
- Bleap CardSelf-custodyZEN CardCustodial
- Control until payment
- Bleap CardYou keep controlZEN CardProvider controls funds
- Card issuer
- Bleap CardUnlimit EU LtdZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Bleap CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
Sources
2 fields- Official sources
- Bleap Card28ZEN Card43
- Last reviewed
- Bleap CardAug 10, 2026ZEN CardAug 23, 2026
04 · The takeaway
Bleap Card is the stronger all-round choice
Bleap Card finishes ahead with an Overall Score of 94 versus 77 for ZEN Card. Bleap Card has the lower published FX fee (Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply vs 0–0.5%). Bleap Card has the higher published base cashback rate (1% vs 0%).
ZEN Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Bleap Card uses a self-controlled wallet setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Bleap Card and ZEN Card reviews first.
Continue with
Bleap Card
Continue with
ZEN Card
05 · Common questions
Bleap vs ZEN FAQ
Is Bleap or ZEN better overall?
Bleap Card has the higher Overall Score (94 vs 77). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Bleap or ZEN?
Bleap Card has the lower published FX fee (Bleap exchange fee and provider FX markup: 0%; Mastercard conversion and scheme charges can apply vs 0–0.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bleap or ZEN?
Bleap Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bleap and ZEN differ on custody?
Bleap Card uses a self-controlled wallet setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bleap vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 71 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.