Payy Card vs Zeal Card
How does Payy Card compare to Zeal Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Zeal Card · provisional, see how we rate
Quick answer. Payy Card and Zeal Card are both crypto cards — here's how they differ. Our provisional scoring rates Zeal Card higher (8.3/10 vs 6.6/10), but the best pick depends on your country and how you spend.
| Feature | Payy Card | Zeal Card |
|---|---|---|
| Our score | 6.6/10 | 8.3/10 |
| Type | Debit | Debit |
| Networks | Visa | Visa |
| Rewards | — | Up to 4% cashback (cashback managed by Gnosis Pay, paid in GNO on Gnosis Chain; requires holding GNO in the Gnosis Pay card Safe) |
| Annual fee | — | — |
| FX fee | — | No exchange fees; uses Visa mid-market rate |
| ATM fee | — | — |
| KYC | — | Full |
| Custody | Self-custodial | Self-custodial |
| Supported coins | USDC | EUR and USD stablecoins (EURe for EUR, sDAI for USD) |
| Availability | — | 150+ countries |
| Apple / Google Pay | — | Yes |
Which Crypto Card is Right for You?
When choosing between the Payy Card and the Zeal Card, it’s important to consider your specific needs and preferences. While both cards offer unique features, they cater to different user priorities. Below, we break down which card might be the best fit for you based on key factors.
Choose Payy Card if…
- You prefer self-custody: The Payy Card is self-custodial, giving you full control over your assets without relying on a third-party custodian.
- You use USDC: If you primarily deal with USDC, the Payy Card supports this stablecoin, making it a convenient option for your transactions.
- You are interested in Layer 2 solutions: The Payy Card operates on the Polygon network and the Payy Network, a ZK Ethereum L2 rollup, which might appeal to users looking to leverage Layer 2 scaling solutions for faster and cheaper transactions.
- You want flexibility with supported countries: While specific country support isn’t published, the Payy Card might offer broader accessibility depending on your location.
Choose Zeal Card if…
- You value cashback rewards: The Zeal Card offers up to 4% cashback, which is paid in GNO on the Gnosis Chain. This can be a significant benefit if you are active in the crypto space and want to earn rewards on your spending.
- You use EUR and USD stablecoins: The Zeal Card supports EURe for EUR and sDAI for USD, making it a suitable choice if you frequently transact in these currencies.
- You prefer no exchange fees: The Zeal Card uses the Visa mid-market rate with no exchange fees, which can be advantageous for international transactions.
- You want to use a wallet pay feature: The Zeal Card includes a wallet pay feature, allowing for seamless integration with your crypto wallet.
- You are in a supported country: The Zeal Card is available in over 150 countries, providing extensive global coverage.
Bottom line
Ultimately, the choice between the Payy Card and the Zeal Card depends on your priorities. If you prioritize self-custody, USDC support, and Layer 2 solutions, the Payy Card might be the better option. On the other hand, if you are looking for cashback rewards, support for EUR and USD stablecoins, and no exchange fees, the Zeal Card could be more suitable. For more detailed comparisons, visit our how we rate page to understand our evaluation criteria.