TangemTangem
60
Side-by-side card comparison
Tangem vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 17 points (77 vs 60). Tangem Card looks stronger for Funds control, while ZEN Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Aug 28, 202661 official sources reviewed
01 · Overall score versus use-case fit
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Tangem Card may be the better fit for Funds control. 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.
OverallTangem60ZEN77Higher score
CashbackTangem15ZEN39Higher score
TravelTangem27ZEN96Higher score
Funds controlTangem83ZEN65Higher score
Lowest feesTangem53ZEN80Higher score
TransfersTangem58ZEN98Higher score
Choose Tangem Card if funds control matters most
Tangem Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose ZEN Card if cashback and travel matter most
ZEN Card comes out ahead for Cashback, Travel, 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
- Tangem60ZEN77
ZEN Card has the higher Overall Score by 17 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXZEN$0 plan · 0–0.5% FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Tangem0% cashbackZEN0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- TangemHybrid custodyZENCustodial balance
Tangem Card uses a hybrid custody 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
- TangemVirtual · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem1 stablecoin · Stablecoin transfersZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 2).
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
- 0%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 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
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
CardsTangem CardOverall60ZEN CardOverall77
Tangem CardOverall60ZEN CardOverall77Scores
6 fields- Overall Score
- Tangem Card60ZEN Card77
- Cashback score
- Tangem Card15ZEN Card39
- Travel score
- Tangem Card27ZEN Card96
- Funds control score
- Tangem Card83ZEN Card65
- Lowest fees score
- Tangem Card53ZEN Card80
- Transfers score
- Tangem Card58ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Tangem CardNo current cashback, Virtual-only with no ATM accessZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Tangem Card$0ZEN Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownZEN Card0–0.5%
- Top-up fee
- Tangem Card0%ZEN Card0–3%
- Card spending fee
- Tangem Card0%ZEN Card0%
- ATM fee
- Tangem CardNot availableZEN Card0–1.5%
- Virtual card
- Tangem Card$0 for the first virtual cardZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Tangem CardNot disclosedZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Tangem CardNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Tangem CardNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Tangem CardVisaZEN CardMastercard/Visa
- Card formats
- Tangem CardVirtualZEN CardVirtual, Physical
- ATM withdrawals
- Tangem CardNot availableZEN CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthZEN CardNot publicly confirmed
- ATM limit
- Tangem CardATM withdrawals are not currently availableZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Tangem CardPolygonZEN CardNot disclosed
- Crypto deposits
- Tangem CardStablecoins: USDCZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Tangem CardNot disclosedZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Tangem CardStablecoin transfersZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Tangem CardNot disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- Tangem Card0%ZEN Card0%
- Max cashback
- Tangem Card0%ZEN CardNot disclosed
- Reward currency
- Tangem CardNo current purchase rewardsZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Tangem CardNot offeredZEN CardNot offered
- How it works
- Tangem CardNot offeredZEN CardNot offered
- Separate deposit
- Tangem CardNot offeredZEN CardNot offered
- Use balance for spending
- Tangem CardNot offeredZEN CardNot offered
- Lock-up
- Tangem CardNot offeredZEN CardNot offered
Trust & availability
6 fields- Custody
- Tangem CardHybrid custodyZEN CardCustodial
- Control until payment
- Tangem CardYou keep controlZEN CardProvider controls funds
- Card issuer
- Tangem CardThird NationalZEN CardUAB ZEN.COM
- Card processing
- Tangem CardPaera LLCZEN CardNot disclosed
- Deposits & withdrawals
- Tangem CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Identity verification
- Tangem CardSumsubZEN CardNot disclosed
Sources
2 fields- Official sources
- Tangem Card18ZEN Card43
- Last reviewed
- Tangem CardAug 28, 2026ZEN CardAug 23, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 60 for Tangem Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Tangem Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Tangem Card uses a hybrid custody setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ZEN Card lists more stablecoins and ways to send money out (5 vs 2). 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 Tangem Card and ZEN Card reviews first.
Continue with
Tangem Card
Continue with
ZEN Card
05 · Common questions
Tangem vs ZEN FAQ
Is Tangem or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 60). 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, Tangem or ZEN?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Tangem 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 Tangem and ZEN differ on custody?
Tangem Card uses a hybrid custody 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 Tangem vs ZEN comparison?
The latest information check for these two cards was August 28, 2026, using 61 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.