CoinZoom Visa Card

CoinZoom Visa Debit Card is the spending arm of CoinZoom, a US-registered crypto exchange and money services business. It converts any asset in your CoinZoom wallet to USD at the point of sale and pays crypto back on every eligible purchase — 0.5% on the entry tier and up to 5% on the Black card, with no annual fee at any level.

How the tier system works

Unlike cards that gate rewards behind a monthly subscription, CoinZoom sets your tier by how much ZOOM you hold. Non-Prime earns 0.5%, Silver 1%, Gold 2%, Diamond 3% and Black 5%; upgrading or downgrading means adjusting your ZOOM balance, and CoinZoom charges no annual fee on any tier. Higher tiers also lift daily point-of-sale limits — from $700 on Non-Prime to $10,000 on Black — and add perks such as free wire transfers and a 50% trading-fee discount.

Spending and cash access

The virtual card is issued the moment your identity check clears, so you can spend immediately while a physical card ships (free from Silver upward). CoinZoom quotes 175M+ Visa merchant locations and no CoinZoom-side ATM fee across 1M+ ATMs. Physical cards are shipped to 150+ countries and the platform supports users in 169 countries, though the card programme is built around a US dollar account.

Where it sits in the category

CoinZoom is a licensed US operator rather than an offshore card programme, which is the main reason it earns a Tier-2 placement in our crypto card directory. The trade-off is that the best rates require holding ZOOM — a small-cap token whose price moves — so the real value of the 5% tier depends on how you feel about carrying that exposure. For the custody side of the same setup, our crypto wallet directory covers the alternatives.

Rewards that scale with ZOOM holdings

• 0.5% → 5% crypto back — Non-Prime 0.5%, Silver 1%, Gold 2%, Diamond 3%, Black 5%, earned automatically on eligible purchases.
• Black tier (300,000 ZOOM) — 5% back, $10,000 daily POS limit, $2,000 daily cash withdrawal, free wire transfers and a 50% trading-fee discount.
• $0 annual fee on every tier — upgrade or downgrade at any time by adjusting ZOOM holdings.

Everyday mechanics

• Instant virtual card — issued at approval, before the physical card arrives.
• Physical card free from Silver tier upward.
• Automatic conversion — any asset in the wallet converts to USD at the point of sale, with no manual swap step.
• Free ATM withdrawals — CoinZoom charges no ATM fee across 1M+ locations; operator fees may still apply.
• No foreign transaction fee from CoinZoom; network conversion rates may apply.
• In-app controls — freeze and unfreeze the card instantly, with Visa Zero Liability protection on unauthorised transactions reported promptly.

Beyond the card

• Buy, sell and manage 40+ digital assets with market, limit and recurring orders.
• ZoomMe — instant transfers of USD, stablecoins and crypto to other CoinZoom users with $0 fees, 24/7.

The card spends whatever is in your CoinZoom wallet. CoinZoom describes the app as supporting 40+ digital assets including USDT, USDC, BTC and ETH, with conversion to USD happening automatically at the point of sale.

Commonly held assets

• BTC — Bitcoin
• ETH — Ethereum
• USDT — Tether
• USDC — USD Coin

Rewards currency

Crypto back is paid in crypto rather than cash, so the asset you earn depends on the reward configuration in your account. Rewards sit inside the custodial CoinZoom wallet rather than in a self-custody wallet of your choosing.

Card fees

• Annual fee: $0 on every tier.
• Virtual card issuance: free.
• Physical card: free from Silver tier upward.
• Foreign transaction fee: none charged by CoinZoom; standard network conversion may apply.
• ATM withdrawal: no CoinZoom fee at 1M+ ATMs; ATM operator fees can still apply. Black tier allows $2,000 per day in cash withdrawals.

What changes with tier

• Daily POS limits: $700 (Non-Prime), $2,500 (Gold), $10,000 (Black).
• Black adds free wire transfers and a 50% discount on trading fees.
• Tiers are set by ZOOM holdings — Black requires 300,000 ZOOM — so the real cost of the top tier is carrying that token.

Check before you commit

CoinZoom publishes tier perks on the card page rather than one consolidated fee schedule, and ATM operator charges sit outside its control. Confirm current limits and any local ATM fees in the app before relying on them.