ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Decaf
ZEN Card has the higher Overall Score by 13 points (77 vs 64). ZEN Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Decaf Card may still be the better personal fit.
Latest check Oct 19, 202664 official sources reviewed
ZEN Card
Best fit
- Combining multi-currency card spending, SEPA transfers and crypto cash-outs.
- Shopping with participating online merchants for offer-specific cashback.
- Occasional ATM use within Gold's €200 or Platinum's €800 monthly allowance.
Before you choose
- Crypto is converted into fiat before spending; crypto top-ups cost 0.5%.
- Weekend FX adds 0.4% on top of the plan's normal conversion margin.
- Free receives half the merchant-offer reward; paid plans receive the full rate.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsZEN CardOverall77Decaf CardOverall64
ZEN CardOverall77Decaf CardOverall64Scores
- Overall Score
- ZEN Card77Decaf Card64
- Cashback score
- ZEN Card39Decaf Card29
- Travel score
- ZEN Card96Decaf Card60
- Funds control score
- ZEN Card65Decaf Card63
- Lowest fees score
- ZEN Card81Decaf Card57
- Transfers score
- ZEN Card98Decaf Card70
Costs
- Plan cost
- ZEN Card$0Decaf Card$0
- FX fee
- ZEN Card0–0.5%Decaf Card1–2%
- Top-up fee
- ZEN Card0–3%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- ZEN Card0%Decaf CardNot disclosed
- ATM fee
- ZEN Card0–1.5%Decaf Card0% Decaf markup
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Decaf Card$5
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Decaf Card$90 international / $10 US
Plans
- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProDecaf CardNot disclosed
- Top cashback plan
- ZEN CardFree: 0%Decaf CardNot disclosed
Everyday use
- Network
- ZEN CardMastercard/VisaDecaf CardVisa
- Card formats
- ZEN CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableDecaf CardNot disclosed
- Mobile wallets
- ZEN CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Decaf CardNot disclosed
- Monthly spending limit
- ZEN CardNot publicly confirmedDecaf CardNot disclosed
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Decaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- ZEN CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHDecaf CardStablecoins: USDC
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upDecaf CardUSD, EUR and MXN account receipts
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- ZEN CardEURDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- ZEN Card0%Decaf CardNot disclosed
- Max cashback
- ZEN CardNot disclosedDecaf CardNot disclosed
- Reward currency
- ZEN CardTransaction currencyDecaf CardNot disclosed
Earn
- Advertised APY
- ZEN CardNot offeredDecaf CardNot disclosed
- How it works
- ZEN CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- ZEN CardNot offeredDecaf CardYes
- Use balance for spending
- ZEN CardNot offeredDecaf CardNot disclosed
- Lock-up
- ZEN CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- ZEN CardCustodialDecaf CardNon-custodial
- Control until payment
- ZEN CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- ZEN CardUAB ZEN.COMDecaf CardThird National, Inc.
- Card processing
- ZEN CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCDecaf CardMoneyGram
Sources
- Official sources
- ZEN Card43Decaf Card21
- Last reviewed
- ZEN CardOct 7, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose ZEN or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, ZEN lists 0–0.5%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, ZEN has reviewed routes in EUR; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
ZEN's reviewed deposit assets include BTC, ETH, USDT; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
ZEN vs Decaf FAQ
Is ZEN or Decaf better overall?
ZEN Card has the higher Overall Score (77 vs 64). 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 Decaf?
ZEN Card has the lower published FX fee (0–0.5% vs 1–2%). 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 Decaf?
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 Decaf differ on custody?
ZEN Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ZEN vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 64 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.