Zebec Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Zebec Card 3.0/5 self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	See card_tiers	No annual fees for base tier
Issuance Fee	See card_tiers	See card_tiers - varies by tier and region
Rewards
Max Cashback	—	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Zero Base Fees for Silver and Carbon tiers (no issuance, monthly, or transaction fees) Non-Custodial Approach allows users to retain control of their crypto until the moment of spending Extensive Multi-Chain Support across 150+ tokens and 18 major blockchains provides flexibility for users with diverse crypto holdings Minimal KYC Requirements (especially for U.S. users) offer greater privacy compared to many alternatives	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	Variable FX and Conversion Fees can apply despite 'zero-fee' marketing, with costs varying by token and currency ZBCN Staking Requirement for airdrop eligibility ($500 minimum) creates a barrier to rewards Merchant Category Restrictions prevent using the card for financial services, crypto purchases, and other monetary applications Primarily Virtual Cards may be inconvenient for users who prefer physical cards or need to use them at terminals that don't accept contactless payments	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending