CoinZoom Card
Visa debit card by CoinZoom offering up to 5% cashback in ZOOM tokens. No FX fees. Available for US residents with Apple Pay and Google Pay support.
Is the CoinZoom Card worth it?
The CoinZoom Card is a debit card on Visa, paying up to 5% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 5% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
THINK TWICE IF
- you want to hold your own keys — this card is custodial
- you're outside 150+ countries
How we rate the CoinZoom Card
- Cost25%4.0 / 5
No annual or monthly fee, no FX markup and free ATM withdrawals, but spending crypto costs 1.49% and a physical card is $5 to ship.
- Conditions25%4.0 / 5
The base rate needs nothing at all, though every step up the ladder needs ZOOM tokens — 300,000 of them for the advertised 5%, ten times the entry rate.
- Rewards25%2.0 / 5
0.5% for a new cardholder, paid in ZOOM, CoinZoom's own token. Reaching 1% needs 10,000 ZOOM held, and the token's value is what the reward is worth.
- Reliability25%3.0 / 5
Fees and reward tiers are published, but the limits table contradicts itself on which tier is highest, and no issuing bank is named on any official page.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
Earning Up to 5%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 5%, 0.5% to 5% in ZOOM tokens, set by how many ZOOM you hold: 0.5% base, 1% at 10,000, 2% at 50,000, 3% at 150,000 and 5% at 300,000, paid in ZOOM tokens. No staking required for the base rate.
Fees you'll actually meet
ℹ️ 0.5% to 5% in ZOOM tokens, set by how many ZOOM you hold: 0.5% base, 1% at 10,000, 2% at 50,000, 3% at 150,000 and 5% at 300,000.
How much you can spend
Published by the issuer and set per country. Figures are in each market's own currency.
Daily point-of-sale limits, as published by CoinZoom. Its table lists Gold with the highest limits, above Diamond and Black, which may be an error on CoinZoom's side.
How much cash you can take out
The maximum total you can withdraw in each period. Set per country, in each market's own currency.
Total daily ATM limits by CoinZoom Prime level. Per-withdrawal caps are $200 (Non-Prime), $250 (Silver and Black), $500 (Diamond) and $1,500 (Gold).
Strengths and trade-offs
WORKS FOR YOU IF
- Up to 5% cashback
- 0% FX fees
- Apple Pay and Google Pay
- $50 signup bonus
- US coverage
LOOK ELSEWHERE IF
- US only
- ZOOM token rewards — less liquid
- Custodial model
What sets it apart
- ZOOM token rewards
- Integrated with CoinZoom exchange
Common questions
Where can I use the CoinZoom Card?
Does the CoinZoom Card have an annual fee?
Do I need to stake anything to earn rewards?
How much can I earn with the CoinZoom Card?
Does it work with Apple Pay and Google Pay?
Figures on this page come from CoinZoom's published card terms and were verified on September 16, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
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