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Head-to-head · Crypto Cards

Crypto.com Card vs Zeal Crypto.com Card leads by 28 points.

Crypto.com Card scores 28 points above Zeal, led by cost abroad, card reliability, and named issuer. Crypto.com Card ranks #2 and Zeal #8 of 9 published crypto cards. Every term of the gap is on the ledger below; the inputs are on the audit receipt.

Crypto.com Card77
Zeal49
Scores are out of 100; published scores fall within 41–99 · ranks #2 and #8 of 9
Methodology v2026.10.18Ranking snapshot Evidence verified through 4 published criteria5 score dimensions Receipt #cc-VS-CRYPTO-COM-CARD-VS-ZEAL-22875d73
Published verdictRanking snapshot 3 November 2026

Crypto.com Card leads by 28 points

Crypto.com Card scores 28 points above Zeal, led by cost abroad, card reliability, and named issuer.

Crypto.com Card #2 of 977
Zeal #8 of 949
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termCrypto.com Card leads on 4 of 4 published criteria; Zeal on 0. The terms sum to the gap.
TermCrypto.com CardZealWeightPoints
Cost abroad6/105/107.9+2.1for Crypto.com Card+1.1 of 32
Card reliability7/105/106.2+3.2for Crypto.com Card+1.7 of 32
Named issuer7/106/105+1.3for Crypto.com Card+0.7 of 32
Tax on spending7/102/104.8+6.2for Crypto.com Card+3.2 of 32
AvailabilityScore dimension12620+15.6for Crypto.com Card
Net of the terms+28.5
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.1
Reproduced gap+28.3
Published gapAfter score rounding and bounds — see the note below7749+28.0

Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.

Quick facts

At a glance

1 of 3 rows read the same for both.
FactCrypto.com CardZeal
PricingSnapshotFEE TABLE (EEA) — https://help.crypto.com/en/articles/5977463-crypto-com-prepaid-visa-card-fees-and-limits-europe-for-users-with-a-residential-address-in-europe (HTTP 200, fetched 28 September 2026, dated 31 July 2026): "Debit / Credit card top-up: 1%" | "ATM Withdrawal: 2% on amounts above the monthly free ATM limit" | "Free ATM limit (Monthly)" "€200" "€400" "€800" "€800" "€1,000" (Midnight / Ruby / Indigo-Jade / Icy-Rose / Obsidian) | "Close Account: €50" | "Physical Card Issuance:" "Midnight: €4.99" | "Inactivity: €5 per month of inactivity will be charged after 12 months of no cardholder-initiated financial activity on the card unless activity resumes." and "Effective 1 October 2026 fee will be updated to € 6." | "Foreign Transaction Fee (Till 30 September 2026):" Midnight only, "Within the EU and UK" "0.2%", "Outside the EU and UK" "2.0%", "Other Card Tiers: No fee" | "Foreign Transaction Fee (Effective 1 October 2026):" Midnight "Within the EU & UK : 0.2%" "Outside the EU & UK : 2.0%"; Ruby "Outside the EU & UK : No fee up to EUR 400 per calendar month, 2.0% thereafter"; Jade and Indigo "No fee up to EUR 800 per calendar month, 2.0% thereafter"; "Other Card Tiers: No fee". The October schedule takes effect three days after this read. TIER COST — https://crypto.com/cards (HTTP 200 via 301 to https://crypto.com/en-de/cards/, fetched 28 September 2026), "Subscription fee / Lockup": Midnight "Free"; Ruby "€3.99/month or €39.90 yearly (16% off) or €450 12-month CRO staking"; Jade/Indigo "€24.99/month or €249.90 yearly (16% off) or €4,500 12-month CRO staking"; Icy/Rose "€45,000 12-month CRO staking"; Obsidian "€450,000 12-month CRO staking". The same page prices no fee itself: "ATM withdrawal fees, interbank exchange rates, top-up fees, and other charges may apply depending on your jurisdiction and card tier." US CARDHOLDERS — https://help.crypto.com/en/articles/5966563-crypto-com-prepaid-visa-card-fees-and-limits-united-states (HTTP 200, fetched 28 September 2026): "Midnight, Ruby, Jade, Indigo: 3% on all non-USD purchases and ATM withdrawals" / "Rose, Icy, Obsidian: No fee"; "Credit – 2.99%"; "PayPal Top-Up: 2.1%". UNPRICED on every page read: the crypto-to-fiat conversion spread charged at top-up, and the FX base rate the 0.2% / 2.0% / 3% sits on; the cardholder agreement (https://crypto.com/document/eu_card, still "Last update: 30 April 2025") says only "at the prevailing exchange rate".From https://www.zeal.app/ (HTTP 200, fetched 28 September 2026), footnote 2 in the FOR CARD block, the closest thing Zeal publishes to a price for spending: "When spending in another currency with the Gnosis Pay card, Visa's wholesale foreign exchange rate is used, which is a very competitive exchange rate. The rate is subject to change and will fluctuate. Zeal does not charge any additional foreign exchange fees. Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation." Headline on the same page: "Spend abroad with no exchange fees and up to 4% Cashback." and "Spend abroad at the Visa mid-market rate". Card acquisition, https://www.zeal.app/learn/order-your-free-card (fetched 28 September 2026): "Order card for free". Cashback tier cost, https://www.zeal.app/learn/gnosis-pay-explained (fetched 28 September 2026, dated 20 November 2025): "0.1 to 1 GNO (~€10-110): 0.5-1% cashback", "5.5 GNO (~€605): 2.5% cashback", "Currently, one GNO token costs around €100-110." ZEAL PUBLISHES NO FEE SCHEDULE, although its terms (https://www.zeal.app/terms-and-conditions/, "Last updated: 19 February 2026") say "Fees applicable to the Services or any component of the Services, if any, shall be set forth at zeal.app and/or the Zeal Wallet mobile application." The ATM fee is delegated by link to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which still returned HTTP 404 on 28 September 2026.
Asset coverageEditorial——
Region fitSnapshotus, europe, asiaeurope
From the published criteria

Which should you pick?

Crypto.com Card

77#2 of 9
Leads
Pick it when
Pick Crypto.com Card if cost abroad matters most — it scores 6/10 to Zeal's 5/10 there (weight 33).
Strength
Programme survival — 7/10
Tradeoff
Until 30 September 2026 you pay the foreign transaction fee precisely because you did not pay for the card; from 1 October 2026 Ruby, Jade and Indigo subscribers pay it too. On 2026-09-28 the EEA schedule read 'Foreign Transaction Fee (Till 30 September 2026): Midnight: All non-EUR purchases and ATM transactions will be charged as follows Other Card Tiers: No fee' (0.2% inside the EU/UK, 2.0% outside): until that date the free Midnight card is the ONLY EEA tier charged an FX fee. From 1 October 2026 the same article extends that 0.2% inside the EU/UK to Ruby, Jade and Indigo — a documented fee INCREASE for subscribers who are already paying €3.99 or €24.99 a month, or who have €450 to €4,500 of CRO locked up for twelve months precisely to avoid this. None of it appears anywhere on crypto.com/cards, which answers 'What are the fees?' with 'ATM withdrawal fees, interbank exchange rates, top-up fees, and other charges may apply depending on your jurisdiction and card tier.' A buyer who reads only the page that sells the card cannot discover the number they will be charged, cannot discover that it differs from 0.2% to 3% depending on which country they live in, and cannot discover that it rises for Ruby, Jade and Indigo on 1 October 2026.

Zeal

49#8 of 9
Pick it when
Zeal leads Crypto.com Card on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Whose licence issues it — 6/10
Tradeoff
The buyer cannot find out what an ATM withdrawal costs before signing up, and Zeal's own footnote sends them to a dead page to find out. 'Other fees and charges from Gnosis Pay, such as ATM withdrawal fees, may apply as per their documentation' links to https://help.gnosispay.com/en/articles/8663251-fees-and-limits, which returned HTTP 404 on 2026-08-17. The FX headline is genuinely good — Zeal adds no markup and names the Visa rate it sits on — but that is the one leg it prices. Everything else about the cost of this card (ATM percentage, ATM flat fee, free allowance, physical card price) is left to someone else's documentation, and the fees article Zeal links to for it returned HTTP 404 again on 2026-09-28.
Self-identify in 10 seconds

Which one is actually for you?

Crypto.com CardLeads

Choose Crypto.com Card if cost abroad matters most

  • Cost abroad: 6/10 against 5/10 for Zeal (weight 33)
  • Card reliability: 7/10 against 5/10 for Zeal (weight 26)
  • Named issuer: 7/10 against 6/10 for Zeal (weight 21)
Zeal

Zeal leads Crypto.com Card on no published criterion

  • Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Criterion by criterion

Scorecard

Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology

Cost abroad

by 1 of 10weight 7.9 of 86Crypto.com Card leads
Crypto.com Card6 out of 10
Zeal5 out of 10

Card reliability

by 2 of 10weight 6.2 of 86Crypto.com Card leads
Crypto.com Card7 out of 10
Zeal5 out of 10

Named issuer

by 1 of 10weight 5 of 86Crypto.com Card leads
Crypto.com Card7 out of 10
Zeal6 out of 10

Tax on spending

by 5 of 10weight 4.8 of 86Crypto.com Card leads
Crypto.com Card7 out of 10
Zeal2 out of 10

Score dimensions

weights sum to 86

The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.

Availabilityweight 20 of 86
Crypto.com Card12/20Zeal6/20
Crypto.com Card leads
Published criteriaweight 30 of 86
Crypto.com Card16/30Zeal11.1/30
Crypto.com Card leads
Frictionweight 10 of 86 · constant here
Crypto.com Card2.7/10Zeal2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Crypto.com Card3.2/8Zeal3.2/8
Tie
Measured dataweight 18 of 86 · constant here
Crypto.com Card8.3/18Zeal8.3/18
Tie
Decision rulePublished order

Choose Crypto.com Card unless the term Zeal leads on is the one you are buying.

Zeal leads Crypto.com Card on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.

The published order weighs every criterion the same way for everyone. To weigh them your way, run .

From the published order

Next best action

If this isn't your case

Other matchups worth comparing

How you can lose money here, and what the ranking scores
  • Regulatory failure: no licence where you are, or a forced market exit.
    Scored by Whose licence is actually behind this card, and will they even tell me their name? · 21% (Crypto.com Card 7/10, Zeal 6/10)
    Scored by Does buying a coffee create a taxable disposal, and will they hand me the record? · 20% (Crypto.com Card 7/10, Zeal 2/10)
  • Exit failure: you cannot get out at par, on time, or with what is yours.
    Scored by Will this card still work next month, and who has to fail for it to stop? · 26% (Crypto.com Card 7/10, Zeal 5/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Execution failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does one swipe abroad actually cost me, and can I work that out before I sign up? (33%).
Questions

Frequently asked questions

Crypto.com Card scores 28 points above Zeal, led by cost abroad, card reliability, and named issuer. Published scores, out of 100: Crypto.com Card 77 (rank 2 of 9 crypto cards), Zeal 49 (rank 8 of 9).

Related pages

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Trust & process
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Written and reviewed by Founder
Reviewed Next review by Methodology v2026.10.18
How this page is reviewed

Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.

Accountable for this review: Mathias Siemonsmeier, Founder.

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