CoinZoom Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Virtual free; physical card free for Prime members, $5 standard shipping for Non-Prime |
|---|---|
| Annual fee | Free |
| FX fee | Free FX on international transactions |
| ATM limit | $100 to $1,000 a day by Prime level (Non-Prime $100, Black $1,000); no CoinZoom ATM fee |
| Spending limit | $700 to $10,000 a day by Prime level (Non-Prime $700, Gold $2,500, Black $10,000) |
Fees change; the current ones are in CoinZoom’s terms.
Features
- Welcome bonus: $5 referral
- Cashback: Up to 5%
The fine print
- 0.5% to 5% back in ZOOM tokens, set by how many ZOOM you hold: Non-Prime 0.5% (0 ZOOM), Silver 1% (10,000), Gold 2% (50,000), Diamond 3% (150,000), Black 5% (300,000)
- Groceries, fuel, utilities and some other categories earn rewards only on the first $5,000 in a rolling 30 days
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: Spends any asset in the CoinZoom wallet, converted to USD at the point of sale (40+ digital assets plus USD)
Full list
The wallet takes ACH, RTP, wire, debit or credit card, Apple Pay or Google Pay, CoinZoom Cash and crypto deposits
- Available countries: 155 countries including the United States
Full list
Not available in Australia, Bangladesh, Canada, China, India, Indonesia, Israel, Malaysia, Morocco, Myanmar, Nigeria, Norway, Qatar, Serbia, Somalia, Switzerland, Thailand, Turkey, the United Kingdom or EU member states
Who issues the CoinZoom Card
The CoinZoom Card is issued by Zenus Bank, Puerto Rico (international banking entity). The issuer is named in the source linked below. "the CoinZoom Visa (the 'Card') has been issued to you by Zenus Bank (the 'Bank')", named in the first line of the cardholder agreement.
Primary source · All cards issued by Zenus Bank · Why the issuer matters
Pros and cons
Pros
- Up to 5% back in ZOOM on the Black level
The fine print
- No CoinZoom ATM fee at home or abroad
- No foreign transaction fee
- No annual fee on any level
- Virtual card on approval
- No card issuance fee
- Welcome bonus: $5 referral
- Banking rails: IBAN / SWIFT support
Cons
- Rewards paid in ZOOM, a thinly traded token
The fine print
- The 5% rate needs 300,000 ZOOM held, and without ZOOM the rate is 0.5%
- Spending crypto costs a 1.49% liquidation fee
- Not available to EU, UK, Canadian or Australian residents
- Low ATM and spending limits below the top levels
Regional availability
Available worldwide except the UK, the EU and others
155 countries including the US; EU, UK and Canada residents are excluded.
Banking and fiat rails
Card overview
CoinZoom Card is a live Visa crypto debit card: the virtual card lands instantly after KYC and funding, and the card is offered in 155 countries including the US. Residents of the EU, the UK, Canada, Australia and sixteen other countries, among them India, Nigeria and Switzerland, cannot order it. The "up to 5% back" is paid in CoinZoom's own ZOOM token, not cash, and 5% only unlocks if you hold 300,000 ZOOM. Default Non-Prime users get 0.5%.
Custody is custodial. Nothing is fiat-preloaded. At each purchase CoinZoom sells the crypto you picked to cover the charge, and you choose the wallet per transaction. Every crypto spend carries a 1.49% conversion fee, stated on the fees page.
A Non-Prime holder earning 0.5% in ZOOM is net-negative before ZOOM's own price risk counts. The rest is fair. No monthly or annual card fee, free ATM and OTC withdrawals from CoinZoom's side, free replacement cards. Virtual re-issue costs 1000 ZOOM, a chargeback is $100, insufficient funds $0.50.
The physical card is free for Prime members; Non-Prime pays $5 for standard shipping. ATM (MCC 6011) and some categories earn no ZOOM, and the rewards program is off in certain markets.
- Best fit
- existing CoinZoom users already holding ZOOM who will lock up 50k to 300k for 2-5%
- Wrong card if
- you want the casual 5%, dislike token-denominated rewards, or expected a simple no-fee crypto-spend card, since the 1.49% fee eats the low tiers
Common questions about the CoinZoom Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
