JupiterJupiter
81
Side-by-side card comparison
Jupiter vs ZEN: overall score versus use-case fit
Jupiter Card has the higher Overall Score by 4 points (81 vs 77). Jupiter Card looks stronger for Cashback, while ZEN Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 23, 202668 official sources reviewed
01 · Overall score versus use-case fit
Jupiter Card is the better all-round starting point
Jupiter Card has the higher Overall Score in this comparison. ZEN Card may be the better fit for Travel, Funds control, Lowest fees, and Transfers. 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.
OverallJupiter81ZEN77Higher score
CashbackJupiter87ZEN39Higher score
TravelJupiter52ZEN96Higher score
Funds controlJupiter54ZEN65Higher score
Lowest feesJupiter79ZEN80Higher score
TransfersJupiter76ZEN98Higher score
Choose Jupiter Card if cashback matters most
Jupiter Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- 2% base cashback in USDC
- No annual or USD spend fee
- Apple Pay and Google Pay ready
Choose ZEN Card if travel and funds control matter most
ZEN Card comes out ahead for 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
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Jupiter81ZEN77
Jupiter Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Jupiter$0 plan · 1–1.8% FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 1–1.8%).
- Purchase rewards
- Jupiter2% base · up to 4%ZEN0% base
Jupiter Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- JupiterCustodial balanceZENCustodial balance
Jupiter Card and ZEN Card use the same custodial balance setup.
- Everyday access
- JupiterVirtual · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Jupiter2 stablecoins · Noah local and SWIFT payoutsZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 3).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 2%-4%
- Plan cost
- $0
- FX fee
- 1–1.8%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 20 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
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Jupiter Card
Get $20
$20 after qualifying Jupiter Card spend
- Activate the Jupiter Card.
- Spend $1,000 on qualifying card purchases within 30 days of activation.
Jupiter Card promo codeZEJ8C4ZS
Offer terms can change. Check the current Jupiter Spend referral programme before applying.
ZEN Card
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsJupiter CardOverall81ZEN CardOverall77
Jupiter CardOverall81ZEN CardOverall77Scores
6 fields- Overall Score
- Jupiter Card81ZEN Card77
- Cashback score
- Jupiter Card87ZEN Card39
- Travel score
- Jupiter Card52ZEN Card96
- Funds control score
- Jupiter Card54ZEN Card65
- Lowest fees score
- Jupiter Card79ZEN Card80
- Transfers score
- Jupiter Card76ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Jupiter Card2% base cashback in USDC, No annual or USD spend feeZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Jupiter Card4% requires fresh referrals, FX depends on your issuerZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Jupiter Card$0ZEN Card$0
- FX fee
- Jupiter Card1–1.8%ZEN Card0–0.5%
- Top-up fee
- Jupiter Card0%ZEN Card0–3%
- Card spending fee
- Jupiter Card0%ZEN Card0%
- ATM fee
- Jupiter CardNot availableZEN Card0–1.5%
- Virtual card
- Jupiter CardNot disclosedZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Jupiter CardPlanned by the end of 2026; not currently availableZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Jupiter CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Jupiter CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Jupiter CardVisaZEN CardMastercard/Visa
- Card formats
- Jupiter CardVirtualZEN CardVirtual, Physical
- ATM withdrawals
- Jupiter CardNot availableZEN CardAvailable
- Mobile wallets
- Jupiter CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Jupiter CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Jupiter CardDCS: $50,000/day; Rain: no disclosed daily limitZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Jupiter CardMonthly limit not disclosed; DCS lists $990,000/year and Rain no disclosed annual limitZEN CardNot publicly confirmed
- ATM limit
- Jupiter CardNot available on the current digital-only cardZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Jupiter CardSolana, Sui, Arbitrum, BaseZEN CardNot disclosed
- Crypto deposits
- Jupiter CardStablecoins: USDC, USDTZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Jupiter CardUSD virtual account receive, EUR virtual account receiveZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Jupiter CardNoah local and SWIFT payoutsZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Jupiter CardAED, BRL, CAD, EUR, GBP, IDR, INR, JPY +12ZEN CardEUR
Rewards
3 fields- Base cashback
- Jupiter Card2%ZEN Card0%
- Max cashback
- Jupiter Card4%ZEN CardNot disclosed
- Reward currency
- Jupiter CardUSDCZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Jupiter CardNot disclosedZEN CardNot offered
- How it works
- Jupiter CardOptional earn vaultZEN CardNot offered
- Separate deposit
- Jupiter CardYesZEN CardNot offered
- Use balance for spending
- Jupiter CardNoZEN CardNot offered
- Lock-up
- Jupiter CardNoZEN CardNot offered
Trust & availability
5 fields- Custody
- Jupiter CardCustodialZEN CardCustodial
- Control until payment
- Jupiter CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- Jupiter CardRain, DCSZEN CardUAB ZEN.COM
- Deposits & withdrawals
- Jupiter CardNoahZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Identity verification
- Jupiter CardSumsubZEN CardNot disclosed
Sources
2 fields- Official sources
- Jupiter Card25ZEN Card43
- Last reviewed
- Jupiter CardAug 12, 2026ZEN CardAug 23, 2026
04 · The trade-off
Jupiter Card is the stronger all-round choice
Jupiter Card finishes ahead with an Overall Score of 81 versus 77 for ZEN Card. ZEN Card has the lower published FX fee (0–0.5% vs 1–1.8%). Jupiter Card has the higher published base cashback rate (2% vs 0%).
ZEN Card still comes out ahead for Travel, Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Jupiter Card and ZEN Card use the same custodial balance setup.
ZEN Card lists more stablecoins and ways to send money out (5 vs 3). 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 Jupiter Card and ZEN Card reviews first.
Continue with
Jupiter Card
Continue with
ZEN Card
05 · Common questions
Jupiter vs ZEN FAQ
Is Jupiter or ZEN better overall?
Jupiter Card has the higher Overall Score (81 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, Jupiter or ZEN?
ZEN Card has the lower published FX fee (0–0.5% vs 1–1.8%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Jupiter or ZEN?
Jupiter Card has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Jupiter and ZEN differ on custody?
Jupiter Card and ZEN Card use the same custodial balance setup.
How current is this Jupiter vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 68 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.