CoinZoom Alternatives for US Crypto Trading and Crypto Cards

CoinZoom, a US crypto exchange with a Visa rewards card, still runs its website and apps. The homepage lists 40+ coins, the ZoomMe transfer feature at $0, and a card with up to 5% crypto back and no annual fee. Its licences tell a different story. On August 1, 2024, Ohio's Division of Financial Institutions issued an order suspending CoinZoom's operations in the state, so it could take no new business there, after examiners said its records were too incomplete to judge its financial condition. Existing Ohio customers could still withdraw.

Washington followed. Under a consent order dated February 9, 2026, CoinZoom agreed to surrender its Washington money transmitter licence, give local customers 60 days to withdraw, stay out of that business in the state for three years and pay a $150,000 fine, $50,000 of it stayed. The state's charges said CoinZoom held less than a third of the $3,000,000 tangible net worth it needed in 2022 to 2024 and was late reporting orders from Ohio, Texas and North Carolina. CoinZoom did not admit wrongdoing.

Users with a balance may want to confirm their withdrawal options now. The six picks below are US-available exchanges, apps and one crypto credit card. All carry the usual crypto risks: prices can fall fast, and an exchange balance is not a bank deposit.

Prices below are as of November 8, 2026. Our method is on How we review tools.

Quick comparison

Coinbase

Coinbase is the closest like-for-like swap for CoinZoom's buy-and-hold side. Its simple app shows a Coinbase fee and a spread in the order preview before you tap buy.

Advanced Trade sits in the same account with a separate maker and taker fee ladder, so you can start on the simple screen and move to limit orders later without opening a second account. Coinbase One, the subscription, removes the Coinbase fee on trades up to a cap and adds up to $1M of cover for losses from unauthorized account access.

Best for: Buyers who want a well-known US exchange and clear fees before each order.

Pricing:

• Simple trades: Coinbase fee plus spread, both included in the preview
• Advanced Trade: maker and taker tiers by volume
• Coinbase One: price shown in the app

Watch out for:

• The Coinbase One page says the spread is still included in the price, so "zero trading fees" is not a trade at the market mid-price.

Official site: Coinbase.

Kraken

Kraken's fee schedule rewards anyone willing to leave the simple buy button. Instant Buy charges 1%, or 1.5% on custom orders, plus a spread; the same trade on Kraken Pro starts at 0.40% maker and 0.80% taker. For a CoinZoom user who placed limit orders on its trading screen, Pro is the direct replacement.

Kraken+ is the subscription option, with zero trading fees on up to $10,000 a month. Spreads and card fees still apply. Cash deposit limits depend on where you live and your verification level, with $100,000 a day for a standard verified individual.

Best for: Active traders who want limit orders and a lower fee ladder.

Pricing:

• Instant Buy: 1% (1.5% custom orders), or a flat fee up to $2 on small trades, plus spread
• Kraken Pro: 0.40% maker, 0.80% taker at the lowest tier
• Kraken+: zero trading fees on up to $10,000 a month

Watch out for:

• New users who stay on Instant Buy pay more than Pro for the same coin, per the Kraken fee schedule.

Official site: Kraken.

Gemini

Gemini is the pick for anyone who mainly used CoinZoom for its card. The Gemini Credit Card is a World Elite Mastercard issued by WebBank, with no annual fee and no foreign transaction fee. Rewards land in your Gemini account in bitcoin or any of 50+ coins, and you can change the coin as often as you like.

Rates are 4% on gas, EV charging and transit for the first $300 each month, 3% on dining, 2% on groceries and 1% on everything else. It is a credit card, so the rewards only make sense if you pay the balance in full each month. The exchange side runs on the ActiveTrader fee schedule.

Best for: CoinZoom card users who want crypto back on daily spending.

Pricing:

• Credit card: no annual fee; 4% / 3% / 2% / 1% back by category
• ActiveTrader under $10K monthly volume: 0.600% maker, 1.200% taker
• Top tier ($250M+): 0.000% maker, 0.020% taker

Watch out for:

• The 4% gas and transit rate drops to 1% after $300 of spend in a month, per the Gemini Credit Card page, and the APR is published separately, so check it before carrying a balance.
• A 1.20% taker fee at the entry tier is high for small trades.

Official site: Gemini.

Robinhood

Robinhood shows "no fees" on its default crypto route, but the cost is in the spread. Its order routing article says Robinhood receives $0.95 per $100 of volume from its market maker, as of June 15, 2026. On a $100 buy with a 0.96% spread, Robinhood keeps $0.95 of it.

Exchange routing, available in the app for some coins, swaps that hidden cost for a visible fee from 0.00% to 0.95%, cheaper for limit orders that rest on Bitstamp. That is useful for CoinZoom users who want to see exactly what they pay, and the brokerage account holds stocks and ETFs in the same app.

Best for: US investors who want crypto beside a stock portfolio.

Pricing:

• Market maker route: no separate fee; $0.95 per $100 to Robinhood inside the spread
• Exchange route: 0.00% to 0.95% by 30-day volume tier
• Robinhood Gold: $5 a month

Watch out for:

• Exchange routing is not offered to North Carolina residents, per the Robinhood crypto routing article.

Official site: Robinhood.

Uphold

Uphold sits between an exchange and a currency app. You can move in one step between bitcoin, US dollars, stablecoins and precious metals, which suits CoinZoom users who held stablecoins as cash. USD and USD stablecoin trades are free up to $20,000 per rolling month.

Outside that allowance, the cost is a spread, not a fee line: 2.00% to 2.20% on bitcoin and ether and 2.45% to 3.8% on smaller coins for trades up to $5,000. Our Uphold alternatives page compares it with lower-cost exchanges.

Best for: Holders who switch often between crypto, dollars and metals.

Pricing:

• USD and USD stablecoins: 0% up to $20,000 a rolling month
• BTC and ETH: 2.00% to 2.20% spread
• Other coins: 2.45% to 3.8%

Watch out for:

• In April 2026 Uphold agreed to pay more than $5 million to New York customers who lost money in the CredEarn yield product it promoted, The Block reported; Uphold admitted the findings but not liability.

Official site: Uphold.

Exodus

Exodus answers a different worry: not which exchange to trust next, but how to stop trusting one at all. It is a self-custody wallet for desktop, Android, iOS and Chrome, covering 50+ networks, with in-app swaps and support for Trezor hardware wallets.

Moving coins out of CoinZoom into Exodus puts the keys in your hands. You can still buy with a card, bank transfer, Apple Pay or Google Pay through the app, but nobody can freeze the balance, and nobody can restore it for you either.

Best for: Getting coins off an exchange into a wallet only you control.

Pricing:

• Wallet: free to download
• Swaps and purchases: fee shown in the app for each trade

Watch out for:

• Lose the recovery phrase and the coins are gone; Exodus is a wallet you control, so there is no account to reset.
• Cashing out to a US bank still needs an exchange or broker.

Official site: Exodus.

How to choose

When to stay with CoinZoom

If CoinZoom still serves your state and your withdrawals arrive on time, there is no forced deadline to leave. State money transmitter licence lists show where CoinZoom can still operate, and Ohio, Texas, North Carolina and Washington have all acted against the company, per the Washington order. Some users keep only their card spending balance on the platform.

Frequently asked questions