Zen is a Polish fintech offering a Mastercard with crypto support, cashback in ZEN tokens, and free ATM withdrawals in the EU. Celsius Card offered compelling crypto rewards but Celsius Network filed for bankruptcy in 2022. Card operations are severely limited — not recommended.
Our Score
| WINNER 🧘 Zen Card | 🌡️ Celsius Card | |
|---|---|---|
| Key parameters | ||
| Network | Mastercard | Visa |
| Cashback | Up to 1% ZEN | Up to 2% in CEL |
| Issue Fee | Free | Free |
| Monthly Fee | $0 | $0 |
| KYC Level | Full KYC | Full KYC |
| Available In | EU | US (limited operations) |
| Our Score | 7.5/10 | 6.5/10 |
| Additional parameters | ||
| Supported Crypto | BTC, ETH, USDT | BTC, ETH, CEL + 50 more |
| ATM Fee | Free (3/mo) | 2% |
| Spend Limit | $20,000/mo | $10,000/mo |
| Mobile App | iOS & Android | iOS & Android |
Score breakdown
Score breakdown
Pros & Cons
🧘 Zen Card WINNER
Pros
- Free card issuance
- 3 free ATM withdrawals/mo
- EU licensed
- ZEN cashback on purchases
Cons
- EU only
- Limited crypto
- ZEN token ecosystem
- Basic crypto support
🌡️ Celsius Card
Pros
- Previously high rewards
- No monthly fee
- CEL token cashback
- Yield product integration
Cons
- Celsius filed for bankruptcy (2022)
- Severely limited operations
- High counterparty risk
- CEL token near zero
Verdict: 🧘 Zen Card
Zen Card edges ahead with better overall value, lower fees, and stronger user reviews in 2026.
Get Free Card →Frequently Asked Questions
Based on our independent analysis, Trustee Plus ranks #1 for everyday use — offering free issuance, 0% payment fees, non-custodial security, and availability in 100+ countries.
Both cards work internationally, but fees and regional availability differ. Check the comparison table above for exact ATM fees and supported countries.
Most crypto cards require at least light KYC. Trustee Plus has a streamlined KYC process that takes just minutes and supports users in 100+ countries.
Key fees include: card issuance fee, monthly maintenance fee, foreign transaction fee, ATM withdrawal fee, and crypto conversion spread. Trustee Plus charges 0% on card payments.
Yes — Visa and Mastercard crypto cards are accepted at 50+ million merchants worldwide. Trustee Plus converts crypto to fiat instantly at the point of sale.
Check the 'Available In' row in the comparison table. Trustee Plus has the widest coverage at 100+ countries.