ZEN.COMZEN
77
Side-by-side card comparison
ZEN vs Spritz: fees, rewards and account setup
ZEN Card has the higher Overall Score by 15 points (77 vs 62). ZEN Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Spritz Card may still be the better personal fit.
Information checked Aug 28, 202684 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. Spritz 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.
OverallZEN77Spritz62Higher score
CashbackZEN39Spritz34Higher score
TravelZEN96Spritz46Higher score
Funds controlZEN65Spritz62Higher score
Lowest feesZEN80Spritz44Higher score
TransfersZEN98Spritz64Higher 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 Spritz Card if its day-to-day setup suits you
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- ZEN77Spritz62
ZEN Card has the higher Overall Score by 15 points.
- Entry cost & FX
- ZEN$0 plan · 0–0.5% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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% baseSpritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- ZENCustodial balanceSpritzHybrid custody
ZEN Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ZENVirtual + Physical · Apple Pay, Google PaySpritzVirtual + 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 transfersSpritz0 stablecoins · Wallet-to-bank Off-Ramp
ZEN Card lists more stablecoins and ways to send money out (5 vs 1).
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
- 0%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall77Spritz CardOverall62
ZEN CardOverall77Spritz CardOverall62Scores
6 fields- Overall Score
- ZEN Card77Spritz Card62
- Cashback score
- ZEN Card39Spritz Card34
- Travel score
- ZEN Card96Spritz Card46
- Funds control score
- ZEN Card65Spritz Card62
- Lowest fees score
- ZEN Card80Spritz Card44
- Transfers score
- ZEN Card98Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- ZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet accessSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- ZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rateSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- ZEN Card$0Spritz Card$0
- FX fee
- ZEN Card0–0.5%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- ZEN Card0–3%Spritz Card1–3%
- Card spending fee
- ZEN Card0%Spritz Card0%
- ATM fee
- ZEN Card0–1.5%Spritz CardNot disclosed
- Virtual card
- ZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5Spritz CardNot disclosed
- Physical card
- ZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10Spritz CardNot disclosed
Plans
2 fields- Available plans
- ZEN Card4 plans: Free, Gold, Platinum, ProSpritz CardNot disclosed
- Top cashback plan
- ZEN CardFree: 0%Spritz CardNot disclosed
Everyday use
8 fields- Network
- ZEN CardMastercard/VisaSpritz CardVisa
- Card formats
- ZEN CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- ZEN CardAvailableSpritz CardNot disclosed
- Mobile wallets
- ZEN CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- ZEN CardiOS, Android, WebSpritz CardiOS
- Daily spending limit
- ZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)Spritz CardNo provider-published daily spend cap
- Monthly spending limit
- ZEN CardNot publicly confirmedSpritz CardNot disclosed
- ATM limit
- ZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)Spritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- ZEN CardNot disclosedSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- ZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETHSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- ZEN CardSEPA bank transfer, Payment-card top-upSpritz CardNot disclosed
- Transfers
- ZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfersSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- ZEN CardEURSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- ZEN Card0%Spritz Card0%
- Max cashback
- ZEN CardNot disclosedSpritz Card5%
- Reward currency
- ZEN CardTransaction currencySpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- ZEN CardNot offeredSpritz CardNot offered
- How it works
- ZEN CardNot offeredSpritz CardNot offered
- Separate deposit
- ZEN CardNot offeredSpritz CardNot offered
- Use balance for spending
- ZEN CardNot offeredSpritz CardNot offered
- Lock-up
- ZEN CardNot offeredSpritz CardNot offered
Trust & availability
5 fields- Custody
- ZEN CardCustodialSpritz CardHybrid custody
- Control until payment
- ZEN CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- ZEN CardUAB ZEN.COMSpritz CardNot disclosed
- Card processing
- ZEN CardNot disclosedSpritz CardRain
- Deposits & withdrawals
- ZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLCSpritz CardNot disclosed
Sources
2 fields- Official sources
- ZEN Card43Spritz Card41
- Last reviewed
- ZEN CardAug 23, 2026Spritz CardAug 28, 2026
04 · The takeaway
ZEN Card is the stronger all-round choice
ZEN Card finishes ahead with an Overall Score of 77 versus 62 for Spritz Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Spritz Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. ZEN Card uses a custodial balance setup, while Spritz Card uses a hybrid custody 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 1). 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 Spritz Card reviews first.
Continue with
ZEN Card
Continue with
Spritz Card
05 · Common questions
ZEN vs Spritz FAQ
Is ZEN or Spritz better overall?
ZEN Card has the higher Overall Score (77 vs 62). 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
ZEN Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this ZEN vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 84 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.