Ledger
Cero Card
Cero CardCero Card
VisaVirtual and plasticSince 2026Asks for a documentOperational
Not open yet — a waitlist or a limited rollout, so nothing below has been tested by a real cardholder.
First on-chain revolving credit card — €500–€5,000 credit line underwritten from onchain reputation (no collateral), with a "Buy Now, Pay Never" cashback pool where some purchases are reimbursed by network fees.
Total, per $100 spent: not published
The issuer does not publish enough of its charges for us to price this card. That is not the same as cheap.
Open cero.financeNot a paid link: we earn nothing either way.
Whether to take Cero Card
In its favour
- First onchain revolving credit card — actual credit line, not a prepaid/debit card
- 0% collateral required — credit is underwritten from your onchain reputation
- "Buy Now, Pay Never" model — random purchases reimbursed from a network-fee cashback pool
- Apple Pay and Google Pay supported; virtual card instant, physical delivered
Against it
- Pre-launch — only TestFlight invites and waitlist as of May 2026
- Initial credit limit small (€500 starting, growing to €5k+ with repayments)
- Fees, FX, and ATM terms not published yet
- EUR-denominated — non-EU eligibility unclear
Also true, in its favour
- Cero Score 0–850 built from on-time repayments, kept private with zk-TLS
- Built on Monad with Cred Protocol (credit), Privy (auth), Zerion (wallet), Relay (cross-chain)
What Cero Card costs
Cero Card publishes no fee schedule at all — not one of these charges is named on cero.finance. That is why this record carries no price: the ledger says so rather than estimating one.
Not published by the issuer: to issue the card, monthly, to load, to spend, per payment, fixed, to spend outside the dollar, at a cash machine.
Pre-launch (May 2026, TestFlight cohort). Cero Labs operates the brand; cards, custody, and on/off-ramps are provided by licensed partners. No fee schedule has been published yet. Credit ladder starts at €500, grows to €1.2k → €2.5k → €5k as on-time repayments accumulate.
KYC: what Cero Card asks for
A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.
Asks nothing7 cards
An email19 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address113 cards
Limits on spending
Cero Card publishes no spending limits at all.
Where it works
WalletsApple Pay and Google Pay
Accepted whereOnline and in person
Account detailsNone — it is a card, not an account
Coins in2USDC, USDT
Chains2Monad, Ethereum
TiersVirtual (instant), Physical (delivered)
The issuer names no country it turns away. That is not a promise that every country works.
The other flaws
- Underwriting depends on having onchain history; new wallets get the lowest tier
- Issuer / card scheme partner (Visa vs. Mastercard) not finalised publicly
How we checked this
Thirteen fields are tracked for every service. 3 of them carry a figure we read off cero.finance on July 21, 2026.
- Sign-up flow
- Identity level
- Live check
- Operating status
- Issuer's page
- Apple Pay and Google Pay
- The issuer does not publish
- Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Maximum balance · Countries closed
Nothing here came from a press release, an affiliate sheet, or another comparison site.
Open cero.financeNot a paid link: we earn nothing either way.
Alternatives to Cero Card
This one we could price: $0.00 per $100 spent.
Phantom CashPhantom CashVisaVirtual and plasticAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Phantom CashPhantom CashVisaVirtual and plasticAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spentThis one we could price: $0.00 per $100 spent.
Plasma One CardPlasma One CardVisaVirtual and plasticAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Plasma One CardPlasma One CardVisaVirtual and plasticAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spentIts issuer publishes nothing to compare on price.
Ripio CardRipio CardVisaVirtual and plasticAsks for a documentOperationalPublishes 2 of five fee fields — not enough to price.AG21 Julnot published
Ripio CardRipio CardVisaVirtual and plasticAsks for a documentOperationalPublishes 2 of five fee fields — not enough to price.AG21 Julnot published