Commerce · alternatives · 2026

24 alternatives to Zen by Mastercard

Extend warranty, shop protection, cashback, and free banking

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Zen by Mastercard launched in 2021; newer entries below may have overtaken it.

1. 1
   N26▲290

   The Mobile Bank

   2016 · n26.com · its alternatives →

2. 2
   Privacy.com Cashback Program▲170

   Get 1-5% cashback on purchases with Privacy's virtual cards

   2018 · its alternatives →

3. 3
   Giftcard Zen▲144

   Buy a gift card at a discount

   2014 · its alternatives →

4. 4
   Sable▲320

   Free bank account and credit card for internationals

   2020 · its alternatives →

5. 5
   CardPointers▲112

   Easily earn more cash back & points from your credit cards

   2022 · cardpointers.com · its alternatives →

6. 6
   Zero Balance▲303

   Virtual cards to help you obtain free trials

   2021 · its alternatives →

7. 7
   Bank Yogi▲65

   Maximize Your Card Benefits

   2017 · its alternatives →

8. 8
   Debx▲96

   Perks of your credit card, peace of mind of your debit card

   2018 · its alternatives →

9. 9
   Point▲220

   Banking made rewarding

   2019 · its alternatives →

10. 10
    Karsa▲231

    Get a virtual US bank account + save/spend dollars globally

    2025 · gokarsa.com · its alternatives →

11. 11
    Square Card▲215

    Access your money as soon as you make a sale

    2019 · squareup.com · its alternatives →

12. 12
    Vivid▲94

    Free mobile banking that comes with a metal card

    2020 · vivid.money · its alternatives →

13. 13
    Privacy.com for iOS▲199

    Create smart, virtual debit cards - now on mobile

    2017 · apps.apple.com · its alternatives →

14. 14
    Final 2.0▲225

    Credit card that helps tame subscriptions and conquer fraud

    2017 · getfinal.com · its alternatives →

15. 15
    Outlet Finance▲141

    Replace your bank account with DeFi

    2021 · outlet.finance · its alternatives →

16. 16
    Dosh▲107

    Cash back, auto-magically

    2018 · dosh.com · its alternatives →

17. 17
    Evolve▲96

    Connect your card and earn up to 15% automatic cash back

    2021 · its alternatives →

18. 18
    The Eco App▲108

    One simple balance for saving, spending, and making money.

    2021 · eco.com · its alternatives →

19. 19
    Subscriptions by Cashfree▲102

    A comprehensive recurring payment solution for India 🇮🇳

    2019 · cashfree.com · its alternatives →

20. 20
    Shake Pay▲106

    Mobile bitcoin debit card

    2016 · shakepay.com · its alternatives →

21. 21
    Amaiz▲75

    Business banking built for your next move

    2019 · amaiz.com · its alternatives →

22. 22
    Bankoff Business▲83

    Borderless banking without banks

    2021 · bankoff.co · its alternatives →

23. 23
    Uptop Deals▲88

    Collect NFTs, unlock deals, earn crypto

    2023 · uptop.xyz · its alternatives →

24. 24
    SPARE.▲70

    The free virtual ATM network. *As seen on Shark Tank*

    2019 · gotspare.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →