ZEN Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	ZEN Card 2.5/5 self_custodialmastercard	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	See card_tiers (€0 Free, €0.90 Gold, €6.90 Platinum, €6.90 Pro)	Free (all tiers)
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
Rewards
Max Cashback	100%	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
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	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it
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	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending