ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs ether.fi Cash: overall score versus use-case fit
ether.fi Cash Card has the higher Overall Score by 9 points (86 vs 77). ZEN Card looks stronger for Travel and Lowest fees, while ether.fi Cash Card comes out ahead for Cashback, Funds control, and Transfers.
Information checked Oct 7, 202680 official sources reviewed
01 · Overall score versus use-case fit
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. ZEN Card may be the better fit for Travel and Lowest fees. 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.
OverallZEN77ether.fi Cash86Higher score
CashbackZEN39ether.fi Cash84Higher score
TravelZEN96ether.fi Cash82Higher score
Funds controlZEN65ether.fi Cash96Higher score
Lowest feesZEN81ether.fi Cash65Higher score
TransfersZEN98ether.fi Cash100Higher score
Choose ZEN Card if travel and lowest fees matter most
ZEN Card comes out ahead for Travel and Lowest fees 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 ether.fi Cash Card if cashback and funds control matter most
ether.fi Cash Card comes out ahead for Cashback, Funds control, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
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
- ZEN77ether.fi Cash86
ether.fi Cash Card has the higher Overall Score by 9 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXether.fi Cash$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
- ZEN0% baseether.fi Cash3% base · up to 4%
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ZENCustodial balanceether.fi CashNon-custodial account
ZEN Card uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + 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 transfersether.fi Cash5 stablecoins · Stablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 5).
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.
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
- 3%-4%
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 18 crypto · 14 fiat
- Payout methods
- 5 crypto · 30 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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
CardsZEN CardOverall77ether.fi Cash CardOverall86
ZEN CardOverall77ether.fi Cash CardOverall86Scores
6 fields- Overall Score
- ZEN Card77ether.fi Cash Card86
- Cashback score
- ZEN Card39ether.fi Cash Card84
- Travel score
- ZEN Card96ether.fi Cash Card82
- Funds control score
- ZEN Card65ether.fi Cash Card96
- Lowest fees score
- ZEN Card81ether.fi Cash Card65
- Transfers score
- ZEN Card98ether.fi Cash Card100
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateether.fi Cash CardVault returns depend on the selected strategy, Borrowing accrues interest immediately
Costs
7 fields- Plan cost
- ZEN Card$0ether.fi Cash Card$0
- FX fee
- ZEN Card0–0.5%ether.fi Cash Card0–0.5%
- Top-up fee
- ZEN Card0–3%ether.fi Cash CardNot disclosed
- Card spending fee
- ZEN Card0%ether.fi Cash CardNot disclosed
- ATM fee
- ZEN Card0–1.5%ether.fi Cash CardNot disclosed
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5ether.fi Cash CardFirst virtual card normally $0; $10 for AR, AO, BD, BO, CO, EC, ID, MY, MX, NG, PE, PH, ZA and TH under the dedicated fee article. Check the displayed price before order.
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10ether.fi Cash CardComparison page: Core $60 including shipping; one free physical card on higher tiers. Help pages describe additional-card fees and different included quantities. Confirm the order quote.
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, Proether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- ZEN CardFree: 0%ether.fi Cash CardVIP: 4%
Everyday use
8 fields- Network
- ZEN CardMastercard/Visaether.fi Cash CardVisa
- Card formats
- ZEN CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- ZEN CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, Webether.fi Cash CardiOS, Android, Web
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)ether.fi Cash CardEditable defaults: $5,000/day per card; Vault $10,000/day and $10,000/month. Current tier maximum is unconfirmed; the first applicable card, Vault or MCC limit applies.
- Monthly spending limit
- ZEN CardNot publicly confirmedether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)ether.fi Cash CardCore/Luxe/Pinnacle: $1,000 per withdrawal, up to 5 withdrawals and $5,000 per rolling 24 hours. VIP numeric ceiling is unconfirmed.
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedether.fi Cash CardOptimism, Ethereum, Arbitrum, Base, HyperEVM, BNB Smart Chain +10
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, LiquidBTC, LiquidETH +8
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upether.fi Cash CardUSD ACH, USD Fedwire, EUR SEPA, USD SWIFT +10
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersether.fi Cash CardStablecoin transfers; USD ACH, USD Fedwire, EUR SEPA, USD SWIFT +2
- Payout currencies
- ZEN CardEURether.fi Cash CardUSD, EUR, GBP, AED, AUD, BRL, CAD, CHF +22
Rewards
3 fields- Base cashback
- ZEN Card0%ether.fi Cash Card3%
- Max cashback
- ZEN CardNot disclosedether.fi Cash Card4%
- Reward currency
- ZEN CardTransaction currencyether.fi Cash CardETHFI token cashback
Earn
5 fields- Advertised APY
- ZEN CardNot offeredether.fi Cash CardUp to 5.47% APY
- How it works
- ZEN CardNot offeredether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- ZEN CardNot offeredether.fi Cash CardNot disclosed
- Use balance for spending
- ZEN CardNot offeredether.fi Cash CardNot disclosed
- Lock-up
- ZEN CardNot offeredether.fi Cash CardNot disclosed
Trust & availability
5 fields- Custody
- ZEN CardCustodialether.fi Cash CardNon-custodial
- Control until payment
- ZEN CardProvider controls fundsether.fi Cash CardYou keep control
- Card issuer
- ZEN CardUAB ZEN.COMether.fi Cash CardThird National
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCether.fi Cash CardSEPA third-party provider
- Programme operator
- ZEN CardNot disclosedether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- ZEN Card43ether.fi Cash Card37
- Last reviewed
- ZEN CardOct 7, 2026ether.fi Cash CardOct 6, 2026
04 · The trade-off
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 86 versus 77 for ZEN Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
ZEN Card still comes out ahead for Travel and Lowest fees, which may matter more than the overall result if that is how you plan to use the card. ZEN Card uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (12 vs 5). 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 ether.fi Cash Card reviews first.
Continue with
ZEN Card
Continue with
ether.fi Cash Card
05 · Common questions
ZEN vs ether.fi Cash FAQ
Is ZEN or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (86 vs 77). 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 ether.fi Cash?
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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash differ on custody?
ZEN Card uses a custodial balance setup, while ether.fi Cash 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 ether.fi Cash comparison?
The latest information check for these two cards was October 7, 2026, using 80 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.