CoinZoom Visa Card
CoinZoom · Visa
The CoinZoom Visa Card is a crypto debit card issued by the US exchange CoinZoom, available only in the United States. It lets you spend crypto instantly converted to USD (with a 1.49% liquidation fee) and earns up to 5% cashback in ZOOM tokens depending on tier. The base tier is free with no annual fee, but higher tiers require holding increasing amounts of ZOOM. It is a custodial product with full KYC.
The number that matters
The banner cashback isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data & conditions
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | Free ATM withdrawals; daily limit by tier ($300 base → $10,000 Gold) |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 5% in ZOOM · Richiesto |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | US |
| Estimated net annual cost | €0/year |
| Regulator | FinCEN (MSB) / NMLS |
| Segment | B2C |
| MiCA / License status | FinCEN MSBNMLS #1735216 CoinZoom, Inc. is registered as a Money Services Business with FinCEN and operates under state Money Transmitter Licenses (NMLS #1735216) in the United States. |
Plans & pricing
Strengths
- High cashback up to 5% (in ZOOM tokens) on top tiers
- No base issuance fee and no annual fee
- Free ATM withdrawals plus a virtual card
- No notable sovereignty advantage documented.
Weaknesses
- Available only in the United States
- Maximum cashback requires holding up to 300,000 ZOOM tokens
- 1.49% crypto liquidation fee and custodial model
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (CoinZoom, Inc. is registered as a Money Services Business with FinCEN and operates under state Money Transmitter Licenses (NMLS #1735216) in the United States.): reporting to authorities and freezes on order.
Verdict
Custodial product with full KYC issued by a US company registered as a FinCEN MSB (NMLS #1735216). Funds are held by CoinZoom: no self-custody. Available only in the United States, outside the European protection framework (MiCA/EMI). Medium-low protection.
Strongly custodial model: the exchange holds the keys and converts crypto to USD with a 1.49% fee. Full mandatory KYC and cashback paid only in the proprietary ZOOM token (with tiers tied to the amount held). Low individual sovereignty.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Where is the CoinZoom Visa Card available?
Only to CoinZoom users residing in the United States; it is not offered in the European Union.
What currency is the cashback in?
From 0.5% to 5% paid in ZOOM tokens; the rate depends on your tier (and thus on ZOOM held).
Sources
- Official service page Cashback · Payment network · Virtual · Regioni · +8 Data verified on Jun 23, 2026
- support.coinzoom.com Fx · Liquidazione Data verified on Jun 22, 2026
- todey.xyz Custodial · Kyc · Azienda Data verified on Jun 22, 2026