Zen is a Polish fintech offering a Mastercard with crypto support, cashback in ZEN tokens, and free ATM withdrawals in the EU. Gnosis Pay is the world's first on-chain Visa debit card, settling transactions on Gnosis Chain with up to 4% cashback in GNO.
Our Score
| 🧘 Zen Card | WINNER 🦉 Gnosis Pay Card | |
|---|---|---|
| Key parameters | ||
| Network | Mastercard | Visa |
| Cashback | Up to 1% ZEN | Up to 4% in GNO |
| Issue Fee | Free | Free |
| Monthly Fee | $0 | $0 |
| KYC Level | Full KYC | Light KYC |
| Available In | EU | EU |
| Our Score | 7.5/10 | 8.0/10 |
| Additional parameters | ||
| Supported Crypto | BTC, ETH, USDT | EURe, USDC, GNO, wxDAI |
| ATM Fee | Free (3/mo) | Free (limits) |
| Spend Limit | $20,000/mo | $20,000/mo |
| Mobile App | iOS & Android | iOS & Android |
Score breakdown
Score breakdown
Pros & Cons
🧘 Zen Card
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
🦉 Gnosis Pay Card WINNER
Pros
- On-chain Visa card
- Up to 4% GNO cashback
- Self-custodial
- Free ATM withdrawals
Cons
- EU only
- Gnosis Chain ecosystem
- Newer product
- Limited coins
Verdict: 🦉 Gnosis Pay Card
Gnosis Pay 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.