imToken Card (Fiat24) scores 8/16, Zypto Premium VISA Card scores 5/16 on the CBL Card Score. Here is every criterion side by side.
| Custody | 1 of 2 | 0 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 1 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 0 of 2 |
| Funding cost | 0 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 1 of 2 | 1 of 2 |
| Yield on idle balance | 0 of 2 | 0 of 2 |
| Total | 8 | 5 |
The short verdict: imToken Card (Fiat24) leads overall (8 to 5). Tokenised deposit in own wallet; Fiat24 can block, no FX fee in USD, EUR, CHF, RMB FX. Health: Watch. Check each profile for what still needs confirming before deciding.
| imToken Card (Fiat24) | None today. "imToken will be launching a rebate plan soon" (official, launch article updated 8 Oct 2026). |
| Zypto Premium VISA Card | No percentage cashback. Card loads earn ZYP points under the Rewards Hub, with 1,000 ZYP worth $1 (official, zypto.com; third-party: CryptoCardHub, 10 Aug 2026). |
Cashback is shown as a dated fact and never scored.