CoinZoom Visa Card Silver
A plan byCoinZoom Visa Card · 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.
Silver
- Cashback
- 1%
- Required ZOOM
- 10000
The clause
That 5% on the banner 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 ($200 base Non-Prime → up to $10,000 on higher tiers) |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 1% 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. |
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.
Reputation
What happened to people who used CoinZoom Visa Card, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
App Store ↗
4.7/5
781 reviews
Exact figure from the iTunes API (averageUserRating 4.695, 781 ratings) for the 'CoinZoom Buy, Spend, Send BTC' app (v3.3.8): this is the exchange app, not the Visa card alone.
-
Google Play ↗
3.9/5
481 reviews
From the Play Store page's structured data (ratingValue 3.88, ratingCount 481) for the exchange app (com.coinzoom.android), not the card alone. Noticeably lower than the App Store score.
-
Trustpilot ↗
3.2/5
62 reviews
Profile of the CoinZoom exchange (not the card alone). Polarized distribution: 30% 5-star, 58% 1-star; 12 reviews in the last 12 months. The company replies to 100% of negative reviews. Trustpilot flags: 'This company may be associated with high-risk investments'.
Weighted average across 3 public review platforms (1,324 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
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 Jul 11, 2026
- support.coinzoom.com Fx · Liquidazione Data verified on Jun 22, 2026
- todey.xyz Custodial · Kyc · Azienda Data verified on Jun 22, 2026