# ZeroCard > ZeroCard is a virtual crypto payment card powered by Pionex. Spend USDT worldwide, earn 1% cashback in crypto, and get up to 5% APR on your balance. ZeroCard lets crypto holders pay for international services, subscriptions, travel, and online shopping in 200+ countries with no monthly fees and no bank account required. Setup takes about 5 minutes via Pionex. The site is available in 5 languages: English (?lang=en), Russian (?lang=ru), German (?lang=de), Spanish (?lang=es), and Portuguese (?lang=pt). ## Pages - [Home](/): Product overview, benefits, comparison, reviews, and FAQ. - [Blog](/blog): Articles for crypto users, traders, freelancers, digital nomads, and more. ## Blog topics - Crypto cards, USDT spending, stablecoin payments - Pionex trading bots and integration with ZeroCard - International payments, life abroad, digital nomad finance - Freelancer and creator monetization with crypto