CoinZoom Visa Card
by CoinZoom
- Monthly fee
- Free
- Card fee
- Free
- Top-up fee
- 1.99%
- ID check
- ID verification
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
CoinZoom Visa Card pays up to 5% cashback in ZOOM tokens across five card tiers. It is US-regulated with solid compliance credentials, but the layered tiers and dependence on the ZOOM token will not suit everyone.
What we like
- +Cashback up to 5%, paid in ZOOM tokens
- +40+ cryptocurrencies can be spent
- +US-regulated under FinCEN, with SOC2 certification
- +Free P2P transfers through ZoomMe
- +No annual fee on any tier
Watch out for
- −Cashback in ZOOM exposes you to price swings
- −Top rewards need a large ZOOM holding
- −2.99% fee on card deposits
- −$0.50 fee on declines from insufficient funds
- −Five-tier system is complicated
7.0/10
Editor score
Good
6.3/10
User rating
Based on 31 sources
Lv 3
KYC Level
ID verification
Global
Availability
20 countries excluded
Card Overview
Rewards
- Cashback
- 5%
- Cashback Crypto
- ZOOM
- Staking Rewards
- Staking APR
- 3.99%
- Welcome Bonus
- —
- Referral Bonus
- $200
Fees
- Monthly Fee
- Free
- Card Issuance
- Free
- ATM Fee
- Free
- FX Fee
- Free
- Top-up Fee
- 1.99%
- Decline Fee
- $0.50
Limits
- Daily Spend
- $10,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $1,000
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
6.3/10
Sourced from
Users like the ZOOM cashback tiers, with up to 5% for Black-tier holders who keep 300,000 ZOOM, and the ZoomMe feature for instant, free domestic and international transfers, which some see as a rival to Western Union. They also value broad Visa acceptance at 130M+ merchants, instant conversion at checkout and the comfort of US regulation. The app scores 4.7/5 on the Apple App Store for its clean design and live card controls. Complaints include a 7 to 21 day hold on ACH deposits, a 1.49% crypto liquidation fee, a 1.99% fee on card and Apple Pay top-ups, and rewards that require large holdings of a volatile token. Support draws the most criticism, with Trustpilot at 3.1/5 over bot loops, long escalations, blocked funds and delayed replacements. KYC name mismatches and face recognition errors add onboarding frustration. It suits high-balance users committed to ZOOM, and is less fitting for casual spenders or those in the EU, Nigeria and parts of Canada.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Polygon, Solana
Frequently asked questions
Does the CoinZoom Visa Card require KYC?
Yes. CoinZoom asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the CoinZoom Visa Card charge?
The card has a monthly fee of free, an issuance fee of free, a top-up fee of 1.99%, an FX fee of free. See the fee table above for ATM and decline fees.
Does the CoinZoom Visa Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the CoinZoom Visa Card?
It is available in most countries, except Australia, Belgium, Canada, China, Germany, France, Indonesia, Ireland, Israel, India, Italy, Malaysia and 8 more.
Which cryptocurrencies does the CoinZoom Visa Card support?
BTC, ETH, USDT, USDC, LINK, ALGO, SOL.
Last updated August 19, 2026, verified August 6, 2026.