Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs ZEN: fees, rewards and account setup
ZEN Card has the higher Overall Score by 20 points (77 vs 57). ZEN Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Crypto.com Prepaid Card may still be the better personal fit.
Information checked Aug 23, 202657 official sources reviewed
01 · Make the first cut
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Crypto.com Prepaid 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.
OverallCrypto.com Prepaid57ZEN77Higher score
CashbackCrypto.com Prepaid31ZEN39Higher score
TravelCrypto.com Prepaid57ZEN96Higher score
Funds controlCrypto.com Prepaid40ZEN65Higher score
Lowest feesCrypto.com Prepaid48ZEN80Higher score
TransfersCrypto.com Prepaid47ZEN98Higher score
Choose Crypto.com Prepaid Card if its day-to-day setup suits you
Crypto.com Prepaid 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.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose ZEN Card if cashback and travel matter most
ZEN 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.
- 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
- Crypto.com Prepaid57ZEN77
ZEN Card has the higher Overall Score by 20 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 0–3%).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%ZEN0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- Crypto.com PrepaidCustodial balanceZENCustodial balance
Crypto.com Prepaid Card and ZEN Card use the same custodial balance setup.
- Everyday access
- Crypto.com PrepaidVirtual + 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
- Crypto.com Prepaid0 stablecoins · US card-to-card sendZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 1).
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
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 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
CardsCrypto.com Prepaid CardOverall57ZEN CardOverall77
Crypto.com Prepaid CardOverall57ZEN CardOverall77Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57ZEN Card77
- Cashback score
- Crypto.com Prepaid Card31ZEN Card39
- Travel score
- Crypto.com Prepaid Card57ZEN Card96
- Funds control score
- Crypto.com Prepaid Card40ZEN Card65
- Lowest fees score
- Crypto.com Prepaid Card48ZEN Card80
- Transfers score
- Crypto.com Prepaid Card47ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0ZEN Card$0
- FX fee
- Crypto.com Prepaid Card0–3%ZEN Card0–0.5%
- Top-up fee
- Crypto.com Prepaid Card2.99%ZEN Card0–3%
- Card spending fee
- Crypto.com Prepaid CardNot disclosedZEN Card0%
- ATM fee
- Crypto.com Prepaid Card0–2%ZEN Card0–1.5%
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1ZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%ZEN CardFree: 0%
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardZEN CardMastercard/Visa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Crypto.com Prepaid CardAvailableZEN CardAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearZEN CardNot publicly confirmed
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedZEN CardNot disclosed
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Crypto.com Prepaid CardNot disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%ZEN Card0%
- Max cashback
- Crypto.com Prepaid Card5%ZEN CardNot disclosed
- Reward currency
- Crypto.com Prepaid CardCRO rewardsZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredZEN CardNot offered
- How it works
- Crypto.com Prepaid CardNot offeredZEN CardNot offered
- Separate deposit
- Crypto.com Prepaid CardNot offeredZEN CardNot offered
- Use balance for spending
- Crypto.com Prepaid CardNot offeredZEN CardNot offered
- Lock-up
- Crypto.com Prepaid CardNot offeredZEN CardNot offered
Trust & availability
5 fields- Custody
- Crypto.com Prepaid CardCustodialZEN CardCustodial
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2ZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Crypto.com Prepaid CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.ZEN CardNot disclosed
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14ZEN Card43
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026ZEN CardAug 23, 2026
04 · The takeaway
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 57 for Crypto.com Prepaid Card. ZEN Card has the lower published FX fee (0–0.5% vs 0–3%). Both cards show the same base cashback rate of 0%.
Crypto.com Prepaid Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Crypto.com Prepaid Card and ZEN Card use the same custodial balance setup.
ZEN Card lists more stablecoins and ways to send money out (5 vs 1). 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 Crypto.com Prepaid Card and ZEN Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
ZEN Card
05 · Common questions
Crypto.com Prepaid vs ZEN FAQ
Is Crypto.com Prepaid or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 57). 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, Crypto.com Prepaid or ZEN?
ZEN Card has the lower published FX fee (0–0.5% vs 0–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid or ZEN?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and ZEN differ on custody?
Crypto.com Prepaid Card and ZEN Card use the same custodial balance setup.
How current is this Crypto.com Prepaid vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 57 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.