ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Coinbase One: where the score gap comes from
ZEN Card has the higher Overall Score by 21 points (77 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202666 official sources reviewed
01 · Where the gap opens
ZEN Card is the better all-round starting point
ZEN Card has the higher Overall Score in this comparison. Coinbase One 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.
OverallZEN77Coinbase One56Higher score
CashbackZEN39Coinbase One40Compare the details below
TravelZEN96Coinbase One60Compare the details below
Funds controlZEN65Coinbase One36Compare the details below
Lowest feesZEN81Coinbase One58Compare the details below
TransfersZEN98Coinbase One24Compare the details below
Choose ZEN Card if its day-to-day setup suits you
ZEN 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. Read the side-by-side details before deciding.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One 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. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- ZEN77Coinbase One56
ZEN Card has the higher Overall Score by 21 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
ZEN Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- ZEN0% baseCoinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- ZENCustodial balanceCoinbase OneCustodial balance
ZEN Card and Coinbase One Card use the same custodial balance setup.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersCoinbase One0 stablecoins · Not modeled
ZEN Card lists more stablecoins and ways to send money out (5 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsZEN CardOverall77Coinbase One CardOverall56
ZEN CardOverall77Coinbase One CardOverall56Scores
6 fields- Overall Score
- ZEN Card77Coinbase One Card56
- Cashback score
- ZEN Card39Coinbase One Card40
- Travel score
- ZEN Card96Coinbase One Card60
- Funds control score
- ZEN Card65Coinbase One Card36
- Lowest fees score
- ZEN Card81Coinbase One Card58
- Transfers score
- ZEN Card98Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- ZEN Card$0Coinbase One Card$49.99/year
- FX fee
- ZEN Card0–0.5%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- ZEN Card0–3%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- ZEN Card0%Coinbase One CardNot disclosed
- ATM fee
- ZEN Card0–1.5%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Coinbase One CardNot disclosed
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Coinbase One CardNot disclosed
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- ZEN CardFree: 0%Coinbase One CardAOC tier 4: 4%: 4%
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaCoinbase One CardAmerican Express
- Card formats
- ZEN CardVirtual, PhysicalCoinbase One CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- ZEN CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebCoinbase One CardiOS, Android, Web
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Coinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- ZEN CardNot publicly confirmedCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Coinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedCoinbase One CardNot disclosed
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHCoinbase One CardNot disclosed
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upCoinbase One CardNot disclosed
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersCoinbase One CardNot disclosed
- Payout currencies
- ZEN CardEURCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- ZEN Card0%Coinbase One Card2%
- Max cashback
- ZEN CardNot disclosedCoinbase One Card4%
- Reward currency
- ZEN CardTransaction currencyCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- ZEN CardNot offeredCoinbase One CardUp to 3.5% APY
- How it works
- ZEN CardNot offeredCoinbase One CardBorrow against collateral
- Separate deposit
- ZEN CardNot offeredCoinbase One CardNo
- Use balance for spending
- ZEN CardNot offeredCoinbase One CardNo
- Lock-up
- ZEN CardNot offeredCoinbase One CardYes
Trust & availability
5 fields- Custody
- ZEN CardCustodialCoinbase One CardCustodial
- Control until payment
- ZEN CardProvider controls fundsCoinbase One CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMCoinbase One CardFirst Electronic Bank
- Custody / key management
- ZEN CardNot disclosedCoinbase One CardCoinbase, Inc.
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCCoinbase One CardNot disclosed
Sources
2 fields- Official sources
- ZEN Card43Coinbase One Card23
- Last reviewed
- ZEN CardSep 5, 2026Coinbase One CardSep 5, 2026
04 · The verdict
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 56 for Coinbase One Card. ZEN Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0%).
Coinbase One 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 One Card use the same custodial balance setup.
ZEN Card lists more stablecoins and ways to send money out (5 vs 0). 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 One Card reviews first.
Continue with
ZEN Card
Continue with
Coinbase One Card
05 · Common questions
ZEN vs Coinbase One FAQ
Is ZEN or Coinbase One better overall?
ZEN Card has the higher Overall Score (77 vs 56). 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 One?
ZEN Card has the lower starting plan cost ($0 vs $49.99/year). 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 One?
Coinbase One 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 ZEN and Coinbase One differ on custody?
ZEN Card and Coinbase One Card use the same custodial balance setup.
How current is this ZEN vs Coinbase One comparison?
The latest information check for these two cards was September 5, 2026, using 66 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.