ZEN Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	ZEN Card 2.5/5 self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	See card_tiers (€0 Free, €0.90 Gold, €6.90 Platinum, €6.90 Pro)	No annual fees for base tier
Issuance Fee	See card_tiers (€10 for Free, 1st free then €10 for Gold, up to 2 free then €10 for Platinum/Pro)	See card_tiers - varies by tier and region
Rewards
Max Cashback	100%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Instant cashback at 800+ merchants with documented €320+ annual user earnings Industry-leading extended warranty adding 1-2 years to electronics purchases Zero foreign exchange fees on Platinum/Pro plans with true interbank rates Comprehensive rewards ecosystem with valuable refund coupons up to €1,000	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	Customer support frequently criticized as slow and unresponsive No deposit insurance (EMI safeguarding instead of government guarantee) No interest paid on balances or traditional banking products Auto-enrollment in Pro trial that charges unless manually downgraded	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