Coinbase Card vs CoinZoom Card: which wins?

Cashback, annual fee, FX and ATM charges, custody and country availability — both cards on the same fields, taken from each issuer's published terms; each card page shows when its data was last verified.

DEBITissued by Pathward, N.A.; powered by Marqeta logo
CASHBACK
Variable
ANNUAL FEE
Free
COINBASE CARD
ISSUED BY PATHWARD, N.A.; POWERED BY MARQETA
VISA

Coinbase Card

issued by Pathward, N.A.; powered by Marqeta
  • No fees
  • No staking
  • Apple Pay
  • Google Pay
DEBITCoinZoom logo
CASHBACK
5%
ANNUAL FEE
Free
COINZOOM CARD
COINZOOM
VISA

CoinZoom Card

CoinZoom
  • High cashback
  • No fees
  • No FX fees
  • No staking
OUR SCORE

How we rate them

Our own assessment, not a user rating — four criteria at 25% each, scored against each issuer's published terms. See the scoring model.

Editorial scores for the Coinbase Card and the CoinZoom Card
CriterionCoinbase CardCoinZoom Card
Overall4.0 / 53.3 / 5
Cost 25%4.5No annual or card fee and no Coinbase transaction fee on spending; the cost is the spread Coinbase applies when it converts crypto.4.0No 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.
Conditions 25%5.0Nothing to stake, hold or subscribe to, and no minimum balance.4.0The 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.
Rewards 25%2.0There is no standing cashback rate — rewards are rotating offers you opt into in the app, so a cardholder cannot count on a particular return.2.00.5% 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.
Reliability 25%4.5A large, publicly listed issuer with clear terms, issued by Pathward, and our data was re-checked this month.3.0Fees 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.
THE SHORT VERSION

How they actually differ

  • Rewards arrive in different assets: Cryptocurrency tokens from the currently available Coinbase reward offers on the Coinbase Card, ZOOM tokens on the CoinZoom Card.
EVERY FIELD

Coinbase Card vs CoinZoom Card, side by side

Full field-by-field comparison of the Coinbase Card and the CoinZoom Card
FieldCoinbase CardCoinZoom Card
Card typeDebitDebit
NetworkVisaVisa
Max cashbackVariableUp to 5%
Rewards paid inCryptocurrency tokens from the currently available Coinbase reward offersZOOM tokens
Annual feeFreeFree
Monthly feeNoneNone
FX feeNo Coinbase transaction fee for card spending; crypto conversion may include Coinbase's spread0%
ATM feeNo Coinbase fee; ATM operator fees may applyFree
Crypto conversionNo Coinbase card transaction fee; Coinbase includes a spread when it buys, sells or trades cryptocurrency1.49% when spending crypto
Where it worksUnited States (NOT available in: Hawaii)150+ countries
Self-custodyNoNo
No staking neededYesYes
Apple PayYesYes
Google PayYesYes
Virtual card——

A dash means the issuer has not published that figure — it does not mean zero. See our methodology for how each field is verified. Rewards and availability change often and vary by region. Not financial advice.

COMMON QUESTIONS

Coinbase Card vs CoinZoom Card: common questions

Which is better, the Coinbase Card or the CoinZoom Card?

It depends on what you optimise for. Coinbase Card is a debit card advertising Variable; CoinZoom Card is a debit card advertising up to 5%. Compare their fees, regions and custody model side by side before deciding.

Can I get both the Coinbase Card and the CoinZoom Card?

Usually yes — these are separate products from different issuers, so holding one does not prevent you from applying for the other, provided you meet each issuer's own eligibility and region requirements.

GO DEEPER

Read the full review of each

Coinbase Card review →CoinZoom Card review →Compare three cards instead

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