Mercuryo Card (Spend, compatible with Ledger) vs Zeal Card
How does Mercuryo Card (Spend, compatible with Ledger) compare to Zeal Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Zeal Card · provisional, see how we rate
| Feature | Mercuryo Card (Spend, compatible with Ledger) | Zeal Card |
|---|---|---|
| Our score | 7.4/10 | 8.3/10 |
| Type | Virtual | Debit |
| Networks | Mastercard | Visa |
| Rewards | None at launch (referral/cashback rewards announced as coming soon) | 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 | No issuance fee; €1/month maintenance only after 3 consecutive months of inactivity (waived on resuming use) | — |
| FX fee | — | No exchange fees; uses Visa mid-market rate |
| ATM fee | — | — |
| KYC | Full | Full |
| Custody | Self-custodial | Self-custodial |
| Supported coins | Top up with BTC, ETH, USDC and stablecoins (more coming) | EUR and USD stablecoins (EURe for EUR, sDAI for USD) |
| Availability | EEA only (initial launch) | 150+ countries |
| Apple / Google Pay | Yes | Yes |
When choosing between the Mercuryo Card and the Zeal Card, your decision will largely depend on your specific needs and preferences, as both cards offer distinct features and benefits. Here’s a detailed breakdown to help you decide which card might be the better fit for you.
Choose Mercuryo Card if…
- You want a card with no issuance fee: The Mercuryo Card does not charge an issuance fee, making it cost-effective to get started. There is only a €1/month maintenance fee after 3 consecutive months of inactivity, which is waived if you resume using the card.
- You prefer a wider range of top-up options: The Mercuryo Card allows you to top up with a variety of cryptocurrencies, including BTC, ETH, USDC, and stablecoins, with more options expected to be added in the future.
- You value self-custody: Both cards offer self-custodial wallets, but if this is a top priority for you, Mercuryo Card’s compatibility with Ledger might be an appealing feature.
- You are based in the EEA: The Mercuryo Card is initially launching in the EEA, so if you are located in this region, it could be a more straightforward option.
Choose Zeal Card if…
- You are looking for 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 interested in earning rewards on your spending.
- You want to use a Visa network card: The Zeal Card operates on the Visa network, which is widely accepted globally. This might be preferable if you travel frequently or prefer the broader acceptance of Visa.
- You need a card that works in over 150 countries: The Zeal Card is available in over 150 countries, making it a more versatile option for international use compared to the EEA-only Mercuryo Card.
- You are comfortable with stablecoin top-ups: The Zeal Card supports EUR and USD stablecoins (EURe and sDAI), which might be more convenient if you primarily deal with these currencies.
Bottom line
Ultimately, the choice between the Mercuryo Card and the Zeal Card will depend on your specific priorities. If you value a card with no issuance fee, a wider range of top-up options, and self-custody with Ledger compatibility, the Mercuryo Card might be the better choice. However, if you are interested in earning cashback rewards, prefer the Visa network, and need a card that works in many countries, the Zeal Card could be more suitable. For more detailed comparisons, visit our how we rate page.