ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Coinbase: fees, rewards and account setup
ZEN Card has the higher Overall Score by 12 points (77 vs 65). ZEN Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Coinbase Card may still be the better personal fit.
Information checked Aug 30, 202665 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. Coinbase 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.
OverallZEN77Coinbase65Higher score
CashbackZEN39Coinbase37Higher score
TravelZEN96Coinbase62Higher score
Funds controlZEN65Coinbase48Higher score
Lowest feesZEN80Coinbase55Higher score
TransfersZEN98Coinbase84Higher score
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
Choose Coinbase Card if its day-to-day setup suits you
Coinbase 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.
- Virtual and physical Visa cards cover online, store and ATM use
- The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Cash, USDC and supported crypto can fund the same card flow
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
- ZEN77Coinbase65
ZEN Card has the higher Overall Score by 12 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXCoinbase$0 plan · U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate 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
- ZEN0% baseCoinbaseNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- ZENCustodial balanceCoinbaseCustodial balance
ZEN Card and Coinbase Card use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayCoinbaseVirtual + Physical · Unknown
ZEN Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersCoinbase1 stablecoin · Stablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
ZEN Card lists more stablecoins and ways to send money out (5 vs 4).
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.
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
- Cashback
- Not disclosed
- Plan cost
- $0
- FX fee
- U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- ATM fee
- U.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 3 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
CardsZEN CardOverall77Coinbase CardOverall65
ZEN CardOverall77Coinbase CardOverall65Scores
6 fields- Overall Score
- ZEN Card77Coinbase Card65
- Cashback score
- ZEN Card39Coinbase Card37
- Travel score
- ZEN Card96Coinbase Card62
- Funds control score
- ZEN Card65Coinbase Card48
- Lowest fees score
- ZEN Card80Coinbase Card55
- Transfers score
- ZEN Card98Coinbase Card84
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessCoinbase CardVirtual and physical Visa cards cover online, store and ATM use, The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateCoinbase CardCrypto conversion includes a spread with no stable public rate, Rewards are U.S.-only and the current rate changes in the app
Costs
7 fields- Plan cost
- ZEN Card$0Coinbase Card$0
- FX fee
- ZEN Card0–0.5%Coinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- Top-up fee
- ZEN Card0–3%Coinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profile
- Card spending fee
- ZEN Card0%Coinbase Card0%
- ATM fee
- ZEN Card0–1.5%Coinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Coinbase CardNot disclosed
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Coinbase CardNot disclosed
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProCoinbase CardNot disclosed
- Top cashback plan
- ZEN CardFree: 0%Coinbase CardNot disclosed
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaCoinbase CardVisa
- Card formats
- ZEN CardVirtual, PhysicalCoinbase CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableCoinbase CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google PayCoinbase CardNot disclosed
- Apps
- ZEN CardiOS, Android, WebCoinbase CardiOS, Android
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Coinbase Card$2,500 per 24 hours in the U.S. programme
- Monthly spending limit
- ZEN CardNot publicly confirmedCoinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specific
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Coinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in app
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedCoinbase CardCoinbase-supported networks
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHCoinbase CardOther crypto: Supported crypto
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upCoinbase CardLinked bank account, Payroll deposit
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersCoinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
- Payout currencies
- ZEN CardEURCoinbase CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- ZEN Card0%Coinbase CardNot disclosed
- Max cashback
- ZEN CardNot disclosedCoinbase CardNot disclosed
- Reward currency
- ZEN CardTransaction currencyCoinbase CardSelected crypto offer
Earn
5 fields- Advertised APY
- ZEN CardNot offeredCoinbase CardNot offered
- How it works
- ZEN CardNot offeredCoinbase CardNot offered
- Separate deposit
- ZEN CardNot offeredCoinbase CardNot offered
- Use balance for spending
- ZEN CardNot offeredCoinbase CardNot offered
- Lock-up
- ZEN CardNot offeredCoinbase CardNot offered
Trust & availability
5 fields- Custody
- ZEN CardCustodialCoinbase CardCustodial
- Control until payment
- ZEN CardProvider controls fundsCoinbase CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMCoinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions Limited
- Card processing
- ZEN CardNot disclosedCoinbase CardMarqeta, Inc.
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCCoinbase CardNot disclosed
Sources
2 fields- Official sources
- ZEN Card43Coinbase Card22
- Last reviewed
- ZEN CardAug 23, 2026Coinbase CardAug 30, 2026
04 · The takeaway
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 65 for Coinbase Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Coinbase Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ZEN Card and Coinbase Card use the same custodial balance setup.
ZEN Card lists more stablecoins and ways to send money out (5 vs 4). 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 ZEN Card and Coinbase Card reviews first.
Continue with
ZEN Card
Continue with
Coinbase Card
05 · Common questions
ZEN vs Coinbase FAQ
Is ZEN or Coinbase better overall?
ZEN Card has the higher Overall Score (77 vs 65). 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, ZEN or Coinbase?
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, ZEN or Coinbase?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do ZEN and Coinbase differ on custody?
ZEN Card and Coinbase Card use the same custodial balance setup.
How current is this ZEN vs Coinbase comparison?
The latest information check for these two cards was August 30, 2026, using 65 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.