XPlaceXPlace
68
Side-by-side card comparison
XPlace vs ZEN: overall score versus use-case fit
ZEN Card has the higher Overall Score by 9 points (77 vs 68). XPlace Card looks stronger for Cashback and Funds control, while ZEN Card comes out ahead for Travel, Lowest fees, and Transfers.
Information checked Aug 27, 202669 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. XPlace Card may be the better fit for Cashback and 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.
OverallXPlace68ZEN77Higher score
CashbackXPlace49ZEN39Higher score
TravelXPlace61ZEN96Higher score
Funds controlXPlace67ZEN65Higher score
Lowest feesXPlace69ZEN80Higher score
TransfersXPlace62ZEN98Higher score
Choose XPlace Card if cashback and funds control matter most
XPlace 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.
- Two distinct USDC spending modes
- Tiered USDC cashback with published caps
- Phone wallets and non-custodial collateral
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 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
- XPlace68ZEN77
ZEN Card has the higher Overall Score by 9 points.
- Entry cost & FX
- XPlace$0 plan · 0–1% FXZEN$0 plan · 0–0.5% FX
ZEN Card has the lower published FX fee (0–0.5% vs 0–1%).
- Purchase rewards
- XPlace0.5% base · up to 4%ZEN0% base
XPlace Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- XPlaceHybrid custodyZENCustodial balance
XPlace 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
- XPlaceVirtual + 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
- XPlace2 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 split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0.5%-4%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- Not available
- Card formats
- Virtual, Physical
- 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
CardsXPlace CardOverall68ZEN CardOverall77
XPlace CardOverall68ZEN CardOverall77Scores
6 fields- Overall Score
- XPlace Card68ZEN Card77
- Cashback score
- XPlace Card49ZEN Card39
- Travel score
- XPlace Card61ZEN Card96
- Funds control score
- XPlace Card67ZEN Card65
- Lowest fees score
- XPlace Card69ZEN Card80
- Transfers score
- XPlace Card62ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- XPlace CardTwo distinct USDC spending modes, Tiered USDC cashback with published capsZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- XPlace CardNo live physical card or ATM access, Higher tiers cost more and FX has layersZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- XPlace Card$0ZEN Card$0
- FX fee
- XPlace Card0–1%ZEN Card0–0.5%
- Top-up fee
- XPlace CardProvider fee not published; external network or bridge costs may apply and are not card feesZEN Card0–3%
- Card spending fee
- XPlace Card0%ZEN Card0%
- ATM fee
- XPlace CardNot availableZEN Card0–1.5%
- Virtual card
- XPlace CardNot disclosedZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- XPlace CardSilver physical card: $99 with courier delivery included; estimated delivery 3-12 days. Other tier pricing remains unclear.ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- XPlace Card4 plans: Basic, Silver, Gold, PlatinumZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- XPlace CardPlatinum: 2%ZEN CardFree: 0%
Everyday use
8 fields- Network
- XPlace CardVisaZEN CardMastercard/Visa
- Card formats
- XPlace CardVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- XPlace CardNot availableZEN CardAvailable
- Mobile wallets
- XPlace CardApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- XPlace CardiOS, AndroidZEN CardiOS, Android, Web
- Daily spending limit
- XPlace CardNo provider-set daily amount published; users can set their own daily, weekly and monthly controlsZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- XPlace CardBasic $2,000; Silver $10,000; Gold $50,000; Platinum $750,000 per monthZEN CardNot publicly confirmed
- ATM limit
- XPlace CardNot available while only the virtual card is liveZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- XPlace CardSolanaZEN CardNot disclosed
- Crypto deposits
- XPlace CardStablecoins: USDCZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- XPlace CardNot disclosedZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- XPlace CardStablecoin transfersZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- XPlace CardNot disclosedZEN CardEUR
Rewards
3 fields- Base cashback
- XPlace Card0.5%ZEN Card0%
- Max cashback
- XPlace Card4%ZEN CardNot disclosed
- Reward currency
- XPlace CardUSDCZEN CardTransaction currency
Earn
5 fields- Advertised APY
- XPlace CardUp to 6.15% APYZEN CardNot offered
- How it works
- XPlace CardBorrow against collateral, Optional earn vaultZEN CardNot offered
- Separate deposit
- XPlace CardYesZEN CardNot offered
- Use balance for spending
- XPlace CardNoZEN CardNot offered
- Lock-up
- XPlace CardNoZEN CardNot offered
Trust & availability
6 fields- Custody
- XPlace CardHybrid custodyZEN CardCustodial
- Control until payment
- XPlace CardProvider controls fundsZEN CardProvider controls funds
- Card issuer
- XPlace CardThird NationalZEN CardUAB ZEN.COM
- Card processing
- XPlace CardSignify Holdings, Inc. (Rain)ZEN CardNot disclosed
- Deposits & withdrawals
- XPlace CardNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Identity verification
- XPlace CardSumsubZEN CardNot disclosed
Sources
2 fields- Official sources
- XPlace Card26ZEN Card43
- Last reviewed
- XPlace CardAug 27, 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 68 for XPlace Card. ZEN Card has the lower published FX fee (0–0.5% vs 0–1%). XPlace Card has the higher published base cashback rate (0.5% vs 0%).
XPlace Card still comes out ahead for Cashback and Funds control, which may matter more than the overall result if that is how you plan to use the card. XPlace 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). 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 XPlace Card and ZEN Card reviews first.
Continue with
XPlace Card
Continue with
ZEN Card
05 · Common questions
XPlace vs ZEN FAQ
Is XPlace or ZEN better overall?
ZEN Card has the higher Overall Score (77 vs 68). 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, XPlace or ZEN?
ZEN Card has the lower published FX fee (0–0.5% vs 0–1%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, XPlace or ZEN?
XPlace Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do XPlace and ZEN differ on custody?
XPlace 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 XPlace vs ZEN comparison?
The latest information check for these two cards was August 27, 2026, using 69 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.