ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Fuse: overall score versus use-case fit
ZEN Card has the higher Overall Score by 3 points (77 vs 74). ZEN Card looks stronger for Cashback, Travel, and Transfers, while Fuse Card comes out ahead for Funds control and Lowest fees.
Information checked Aug 23, 202658 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. Fuse Card may be the better fit for Funds control 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.
OverallZEN77Fuse74Higher score
CashbackZEN39Fuse25Higher score
TravelZEN96Fuse65Higher score
Funds controlZEN65Fuse91Higher score
Lowest feesZEN80Fuse93Higher score
TransfersZEN98Fuse97Higher score
Choose ZEN Card if cashback and travel matter most
ZEN Card comes out ahead for Cashback, Travel, 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 Fuse Card if funds control and lowest fees matter most
Fuse Card comes out ahead for Funds control 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.
- Separate USDC Card Account
- Apple Pay for in-person spend
- USD and EUR receive rails
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
- ZEN77Fuse74
ZEN Card has the higher Overall Score by 3 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXFuse$0 plan · 0% FX
Fuse Card has the lower published FX fee (0% vs 0–0.5%).
- Purchase rewards
- ZEN0% baseFuse0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- ZENCustodial balanceFuseSelf-controlled wallet
ZEN Card uses a custodial balance setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PayFuseVirtual · Apple Pay
ZEN Card lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- ZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfersFuse1 stablecoin · Stablecoin transfers; ACH / SEPA bank 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.
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
- 0%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay
- Receive methods
- 3 crypto · 2 fiat
- Payout methods
- 1 crypto · 2 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
CardsZEN CardOverall77Fuse CardOverall74
ZEN CardOverall77Fuse CardOverall74Scores
6 fields- Overall Score
- ZEN Card77Fuse Card74
- Cashback score
- ZEN Card39Fuse Card25
- Travel score
- ZEN Card96Fuse Card65
- Funds control score
- ZEN Card65Fuse Card91
- Lowest fees score
- ZEN Card80Fuse Card93
- Transfers score
- ZEN Card98Fuse Card97
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessFuse CardSeparate USDC Card Account, Apple Pay for in-person spend
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateFuse CardiOS and virtual-only access, Receive rails convert incoming fiat
Costs
7 fields- Plan cost
- ZEN Card$0Fuse Card$0
- FX fee
- ZEN Card0–0.5%Fuse Card0%
- Top-up fee
- ZEN Card0–3%Fuse Card0%
- Card spending fee
- ZEN Card0%Fuse Card0%
- ATM fee
- ZEN Card0–1.5%Fuse CardNot available
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Fuse CardVirtual card purchase $0 after Bridge KYC
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Fuse CardNot available in captured Fuse support page
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProFuse Card1 plans: Fuse Plus
- Top cashback plan
- ZEN CardFree: 0%Fuse CardNot disclosed
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaFuse CardVisa
- Card formats
- ZEN CardVirtual, PhysicalFuse CardVirtual
- ATM withdrawals
- ZEN CardAvailableFuse CardNot available
- Mobile wallets
- ZEN CardApple Pay, Google PayFuse CardApple Pay
- Apps
- ZEN CardiOS, Android, WebFuse CardiOS
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Fuse Card$2,000/day; $2,000/transaction
- Monthly spending limit
- ZEN CardNot publicly confirmedFuse CardMonthly cap not disclosed; daily and transaction caps are approved
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Fuse CardNot available
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedFuse CardSolana
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHFuse CardStablecoins: USDC; Other crypto: SOL, SPL tokens
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upFuse CardUSD virtual bank account, EUR virtual bank account
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersFuse CardStablecoin transfers; ACH / SEPA bank transfers
- Payout currencies
- ZEN CardEURFuse CardUSD, EUR
Rewards
3 fields- Base cashback
- ZEN Card0%Fuse Card0%
- Max cashback
- ZEN CardNot disclosedFuse Card0%
- Reward currency
- ZEN CardTransaction currencyFuse CardNo cashback
Earn
5 fields- Advertised APY
- ZEN CardNot offeredFuse CardNot disclosed
- How it works
- ZEN CardNot offeredFuse CardOptional earn vault
- Separate deposit
- ZEN CardNot offeredFuse CardYes
- Use balance for spending
- ZEN CardNot offeredFuse CardNo
- Lock-up
- ZEN CardNot offeredFuse CardNot disclosed
Trust & availability
6 fields- Custody
- ZEN CardCustodialFuse CardSelf-custody
- Control until payment
- ZEN CardProvider controls fundsFuse CardYou keep control
- Card issuer
- ZEN CardUAB ZEN.COMFuse CardLead Bank
- Card processing
- ZEN CardNot disclosedFuse CardBridge Ventures LLC, Squads Labs
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCFuse CardNot disclosed
- Programme operator
- ZEN CardNot disclosedFuse CardBridge Ventures LLC
Sources
2 fields- Official sources
- ZEN Card43Fuse Card15
- Last reviewed
- ZEN CardAug 23, 2026Fuse CardAug 12, 2026
04 · The trade-off
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 74 for Fuse Card. Fuse Card has the lower published FX fee (0% vs 0–0.5%). Both cards show the same base cashback rate of 0%.
Fuse Card still comes out ahead for Funds control 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 Fuse Card uses a self-controlled wallet 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 ZEN Card and Fuse Card reviews first.
Continue with
ZEN Card
Continue with
Fuse Card
05 · Common questions
ZEN vs Fuse FAQ
Is ZEN or Fuse better overall?
ZEN Card has the higher Overall Score (77 vs 74). 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 Fuse?
Fuse Card has the lower published FX fee (0% vs 0–0.5%). 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 Fuse?
Both cards show the same base cashback rate of 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 Fuse differ on custody?
ZEN Card uses a custodial balance setup, while Fuse Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ZEN vs Fuse comparison?
The latest information check for these two cards was August 23, 2026, using 58 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.