TangemTangem
77
Side-by-side card comparison
Tangem vs ZEN: same score, different trade-offs
Tangem Card and ZEN Card share an Overall Score of 77. Tangem Card looks stronger for Cashback and Funds control, while ZEN Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Oct 11, 202663 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Tangem Card and ZEN Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallTangem77ZEN77Same score
CashbackTangem73ZEN39Higher score
TravelTangem63ZEN96Higher score
Funds controlTangem87ZEN65Higher score
Lowest feesTangem52ZEN81Higher score
TransfersTangem65ZEN98Higher score
Choose Tangem Card if cashback and funds control matter most
Tangem Card comes out ahead for Cashback and 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 travel and lowest fees matter most
ZEN Card comes out ahead for 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 the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Tangem77ZEN77
Both cards have the same displayed Overall Score of 77.
- 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
- Tangem1% base · up to 2%ZEN0% base
Tangem Card has the higher published base cashback rate (1% vs 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 + 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
- Tangem2 stablecoins · Stablecoin transfersZEN2 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 tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- Cashback
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 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
Put 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
CardsTangem CardOverall77ZEN CardOverall77
Tangem CardOverall77ZEN CardOverall77Scores
6 fields- Overall Score
- Tangem Card77ZEN Card77
- Cashback score
- Tangem Card73ZEN Card39
- Travel score
- Tangem Card63ZEN Card96
- Funds control score
- Tangem Card87ZEN Card65
- Lowest fees score
- Tangem Card52ZEN Card81
- Transfers score
- Tangem Card65ZEN 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 CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%ZEN 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 CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateZEN Card0–3%
- Card spending fee
- Tangem Card0%ZEN Card0%
- ATM fee
- Tangem Card2–4%ZEN 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 CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Tangem CardPlus: 2%ZEN CardFree: 0%
Everyday use
8 fields- Network
- Tangem CardVisaZEN CardMastercard/Visa
- Card formats
- Tangem CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Tangem CardAvailableZEN CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsZEN 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 Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumZEN CardNot disclosed
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositZEN 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 Card1%ZEN Card0%
- Max cashback
- Tangem Card2%ZEN CardNot disclosed
- Reward currency
- Tangem CardUSDCZEN 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 Card20ZEN Card43
- Last reviewed
- Tangem CardOct 11, 2026ZEN CardOct 7, 2026
04 · The closer call
Tangem Card and ZEN Card need a closer personal call
The Overall Score ends level at 77, so there is no honest all-round winner here. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0%).
Tangem Card looks stronger for Cashback and Funds control, while ZEN Card comes out ahead for Travel, Lowest fees, and Transfers. 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 3). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
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?
Tangem Card and ZEN Card tie at 77 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
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?
Tangem 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 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 October 11, 2026, using 63 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.