Crypto.com Card

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Crypto.com Card

Our Rating
3.3
#21 of 70
Visa Available

The Crypto.com Visa Card is a prepaid debit card that bridges cryptocurrency holdings with everyday spending. It allows users to convert their digital assets to fiat currency for use anywhere Visa is accepted, making crypto practical for daily purchases. The card integrates seamlessly with the Crypto.com app ecosystem for easy management and top-ups.

  • Type: Visa prepaid debit card with tiered rewards based on CRO token staking
  • Key Feature: Up to 5% cashback in CRO tokens (tier-dependent; monthly caps apply to lower tiers) plus subscription rebates for services like Spotify and Netflix (Expedia, Airbnb, X, Amazon Prime rebates end Nov 2, 2025)
  • Availability: Available in the United States, European Economic Area/UK, Canada, Singapore, Australia, and Brazil (excludes NY state, Russia, China)
  • Standout Benefit: Premium metal cards with no annual fees and airport lounge access for higher tiers
  • Biggest Downside: Requires substantial CRO token staking for meaningful rewards, and lower tiers now incur foreign transaction fees (e.g., 3% in US, 2% in Canada, 0.2–2% in UK/EU) on all non-local currency purchases and ATMs; monthly caps and region-specific limits/fees apply

Reviewed by James Burr

Last updated: August 28, 2025

Visual preview for Crypto.com Card

Card Tiers

Detailed Summary

Crypto.com Visa Prepaid Debit Card: Complete Guide & Review

Quick Summary: Crypto.com Visa Card

Key Features

  • Prepaid Visa debit card connecting cryptocurrency to everyday spending
  • Five main tiers plus ultra-premium option based on CRO token staking
  • Up to 5% cashback in CRO tokens (8% in select regions for premium tier)
  • Subscription rebates for services like Spotify and Netflix
  • No annual or monthly fees

Main Advantages

  • Seamless integration with Crypto.com ecosystem
  • Metal cards available from Ruby tier upward
  • Airport lounge access for higher-tier cardholders
  • Generous foreign exchange transaction limits
  • Mobile wallet compatibility (Apple Pay, Google Pay, Samsung Pay)

Notable Limitations

  • Substantial CRO token staking requirements for higher tiers
  • Exposure to cryptocurrency volatility through staking model
  • Rewards programs have been reduced over time
  • Top-up required before spending (prepaid product)
  • Not available in certain regions (NY state, Russia, China)
  • Foreign exchange fees vary significantly by region (up to 3% in the US)

Basic Information

The Crypto.com Visa Card serves as a bridge between cryptocurrency holdings and everyday spending, allowing users to convert and utilize their digital assets for real-world purchases anywhere Visa is accepted. This prepaid debit card integrates seamlessly with the Crypto.com mobile app ecosystem, providing users with a simple, intuitive way to spend cryptocurrency at millions of merchants globally without requiring merchants to accept crypto directly.

Feature Details
Card Network Visa (Visa Platinum tier for most cards)
Card Issuer Varies by region: Community Federal Savings Bank (US), Foris MT (Europe), Foris Asia Pte (Singapore), Digital Commerce Bank (Canada), Foris GFS Australia Pty Ltd (Australia), Foris GFS Brasil Ltda (Brazil)
Payment Type Prepaid debit card
Launch Date Initially launched in Singapore (2018), then expanded globally
Card Format Options Physical cards (plastic for Midnight Blue, metal for higher tiers) and virtual cards (available immediately upon approval)
Mobile Wallet Integrations Apple Pay, Google Pay, Samsung Pay (availability varies by region)
Merchant Acceptance Accepted wherever Visa is accepted globally
Card Design Tiered design with distinct colors/materials per tier, no personalization options
Payment System Integrations Standard Visa payment processing

The card converts cryptocurrency to fiat currency during the top-up process, solving the practical problem of limited crypto acceptance in retail environments.

Rewards and Benefits

Cashback Structure

Tier Cashback Rate Staking Requirement Lock Period
Midnight Blue 0% (no rewards) None N/A
Ruby Steel 1% (with active stake) ~$400 USD in CRO 180-365 days
Jade Green/Royal Indigo 2% (with active stake) ~$4,000 USD in CRO 180-365 days
Frosted Rose Gold/Icy White 3% (with active stake) ~$40,000 USD in CRO 180-365 days
Obsidian 5% (with active stake) ~$400,000 USD in CRO 180-365 days
Obsidian Prime Up to 8% (in select regions) ~$1,000,000 USD in CRO 12-month lock

Additional Benefits

  • Referral Programs: $25 USD bonus in CRO for both referrer and referee when new user stakes for Ruby Steel or above
  • Subscription Rebates: Spotify, Netflix, Amazon Prime, Twitter Blue (varies by tier)
  • Travel Benefits: Airport lounge access via Priority Pass/LoungeKey
  • Travel Rebates: Expedia (10% up to $50/month), Airbnb (10% up to $100/month)
  • CRO Staking Rewards: ~4% for Jade/Indigo, ~7% for Icy/Obsidian
  • Level Up Rewards: Additional bonuses through gamification system
  • Important Note: Expedia, Airbnb, X (Twitter), and Amazon Prime rebates for Icy/Rose/Obsidian will be discontinued from November 2, 2025

Fees and Limits

Fee Type Amount
Initial Issuance Free
Upgrade to New Physical Card $50 USD
Card Replacement $7 for Midnight Blue, $50 for other tiers

Transaction Fees

ATM Withdrawals

Tier Free Monthly Limit Fee After Limit
Midnight Blue $200/month 2%
Ruby Steel $400/month 2%
Jade/Indigo $800/month 2%
Icy/Rose Gold/Obsidian $1,000/month 2%

Foreign Exchange Transactions

Tier Free Monthly Limit Fee After Limit
Midnight Blue $2,000/month 0.5%
Ruby Steel $4,000/month 0.5%
Jade/Indigo $10,000/month 0.5%
Icy/Rose Gold $20,000/month 0.5%
Obsidian Unlimited N/A

Additional Fees and Limits

Type Details
Top-up from Crypto/Fiat Wallet Free
Direct Top-up from External Credit/Debit Card 1% fee (varies by region, up to 2.99% in US)
Card Closure and Balance Refund $50 fee
Daily Spending Limit $5,000 (or €5,000) for fully verified users
Monthly Spending Limit $50,000 (or €50,000) rolling limit
ATM Withdrawals $500-1,000 per withdrawal, typically 3 withdrawals per day
Maximum Card Balance Not explicitly stated, likely $25,000-50,000

Regional Fee Variations

Region FX Fee Structure Applicable Tiers Notes
United States 3% on all non-USD purchases & ATMs Midnight Blue, Ruby Steel, Royal Indigo/Jade Green No free FX limit; fee applies from first $1
United Kingdom 0.2% within UK/EU; 2.0% outside Midnight Blue, Ruby Steel, Royal Indigo/Jade Green No free FX limit; fee applies from first £1
European Union 0.2% within EU/UK; 2.0% outside Midnight Blue, Ruby Steel, Royal Indigo/Jade Green No free FX limit; fee applies from first €1
Canada 2% on all non-CAD purchases & ATMs Midnight Blue, Ruby Steel, Royal Indigo/Jade Green No free FX limit; fee applies from first C$1
Singapore (non-SG residential) 0.5% on purchases/ATMs not in SGD/AUD/EUR/GBP/HKD/JPY/USD Midnight Blue, Ruby Steel, Royal Indigo/Jade Green No free FX limit; fee applies from first S$1
Region Top-up Fee Structure Notes
United States 1% (Debit card), 2.99% (Credit card), 2.1% (PayPal) Applies to all tiers
United Kingdom 1% (Debit/Credit) Applies to all tiers
European Union 1% (Debit/Credit) Applies to all tiers
Canada Not explicitly listed Funding through Crypto or Cash/Bank transfer

Europe (EU/EEA/UK) Fees and Limits (effective September 2, 2025)

Fee Type Details
ATM Withdrawal Allowance Midnight Blue: €200/month
Ruby Steel: €400/month
Royal Indigo/Jade Green: €800/month
Frosted Rose Gold/Icy White/Obsidian: €1,000/month
Fee after allowance: 2%
Interbank FX Allowance Midnight Blue: €2,000/month
Ruby Steel: €4,000/month
Royal Indigo/Jade Green: €10,000/month
Frosted Rose Gold/Icy White: €20,000/month
Obsidian: Unlimited
Fee after allowance: 0.5%
Card Fees Replacement: €7 (Midnight Blue), €50 (metal tiers)
Upgrade/reissue (metal): €50
Card closure and refund: €50

Card Tiers and Options

Midnight Blue

Feature Details
Issuance Fee Free (no stake required)
Card Material Plastic
Delivery Method Physical card shipped after approval
Cashback Rate 0%
ATM Withdrawals $200 monthly free (2% fee thereafter)
FX Limit $2,000 monthly (0.5% fee thereafter)
Special Features None

Ruby Steel

Feature Details
Issuance Fee Free ($400 USD stake in CRO required)
Card Material Metal (red stainless steel)
Delivery Method Physical card shipped after approval
Cashback Rate 1% CRO rewards (with active stake)
Reward Cap $25/month CRO rewards cap after first month
ATM Withdrawals $400 monthly free (2% fee thereafter)
FX Limit $4,000 monthly (0.5% fee thereafter)
Special Features 100% Spotify rebate for 6 months (up to $13.99/month)

Royal Indigo / Jade Green

Feature Details
Issuance Fee Free ($4,000 USD stake required)
Card Material Metal (purple or green)
Delivery Method Physical card shipped after approval
Cashback Rate 2% CRO rewards (with active stake)
Reward Cap $50/month cap after first 3 months
ATM Withdrawals $800 monthly free (2% fee thereafter)
FX Limit $10,000 monthly (0.5% fee thereafter)
Special Features 100% rebate on Spotify and Netflix for 6 months, limited airport lounge access (approximately 4 visits per year)

Frosted Rose Gold / Icy White

Feature Details
Issuance Fee Free ($40,000 USD stake required)
Card Material Premium metal (white or rose gold finish)
Delivery Method Physical card shipped after approval
Cashback Rate 3% CRO rewards (no monthly cap)
ATM Withdrawals $1,000 monthly free (2% fee thereafter)
FX Limit $20,000 monthly (0.5% fee thereafter)
Special Features 100% rebate on Spotify and Netflix (no expiry with maintained stake), 10% rebate on Expedia bookings (up to $50/month), unlimited airport lounge access for cardholder plus one guest
Important Note Expedia, Airbnb, X (Twitter), and Amazon Prime rebates will be discontinued from November 2, 2025

Obsidian

Feature Details
Issuance Fee Free ($400,000 USD stake required)
Card Material Exclusive black metal
Delivery Method Physical card shipped after approval
Cashback Rate 5% CRO cashback (no cap)
ATM Withdrawals $1,000 monthly free (2% fee thereafter)
FX Limit Unlimited perfect interbank exchange rates
Special Features All lower-tier perks plus 10% Airbnb rebate (up to $100/month), unlimited airport lounge access worldwide for cardholder plus guest, VIP status with dedicated support
Important Note Expedia, Airbnb, X (Twitter), and Amazon Prime rebates will be discontinued from November 2, 2025

Obsidian Prime

Feature Details
Issuance Fee Free ($1,000,000 USD stake required for 12 months)
Card Material Ultra-premium metal
Delivery Method Priority shipping
Cashback Rate Up to 8% CRO rewards on spending
Special Features Enhanced version of Obsidian benefits, higher staking interest
Availability Select regions only

Top-Up Methods

Users must pre-load the card by topping up through the Crypto.com app, moving funds from their Crypto.com crypto wallet or supported fiat wallet into a dedicated card balance. Over 100 cryptocurrencies (BTC, ETH, LTC, CRO, and stablecoins) and 20+ fiat currencies (USD, EUR, GBP, etc.) can be used, with all crypto automatically converted to local fiat currency at market rates upon top-up, and the card balance is always in fiat. No fee applies for crypto/fiat wallet top-up within the app, but a 1% fee is charged for direct top-up from an external credit/debit card. The process is instant for crypto/fiat wallet top-ups, but custody of funds transfers from self-custody/exchange wallet to the card provider's custodial account during top-up, and users must complete top-up before spending—on-demand spending is not supported.

Self-Custody Custodial

The Crypto.com Visa Card operates on a fully custodial model where the platform and its associated licensed financial institutions hold and manage user funds. Users do not control the private keys at any point; instead, cryptocurrency is converted to fiat currency at the time of card top-up within the Crypto.com app. Funds are stored as fiat balances on the prepaid card, and users must pre-load the card before spending. The custody includes significant controls such as KYC requirements, regulated fiat custody, insurance coverage, and proprietary app interfaces for card management. In the event of issuer issues, funds are protected by regulatory safeguards and insurance programs, but users do not have direct ownership or access to private keys.

Supported Currencies and Conversion

Currency Type Details
Supported Cryptocurrencies Over 100 top cryptocurrencies including BTC, ETH, LTC, CRO, and popular stablecoins
Supported Fiat Currencies 20+ fiat currencies including USD, EUR, GBP, CAD, SGD, AUD, JPY, HKD, BRL
Currency Conversion All crypto is converted to local fiat currency when loaded onto card

Conversion Mechanics

Process Details
Crypto-to-Fiat Conversion Occurs at time of card top-up in the app
Settlement Timing Instant conversion when loading the card
Payment Priority Card balance is in fiat, spending directly from loaded balance
Exchange Rate Sources Crypto.com's exchange rates (may include a small spread)

Geographic Availability

Supported Regions

  • North America: United States (except New York), Canada
  • Europe: All 27 EU countries, UK, Switzerland, Norway, Iceland
  • Asia-Pacific: Singapore, Malaysia, Hong Kong, Taiwan, Philippines, Australia
  • Latin America: Brazil
  • Middle East: Beginning rollout in Gulf Cooperation Council (GCC) countries

Restricted Regions

  • United States: New York State (no BitLicense)
  • Sanctioned or High-Risk Countries: North Korea, Iran, Syria, Sudan, Crimea
  • Other Regulatory Restrictions: Russia, Mainland China
  • Additional Jurisdictions: Cuba, Afghanistan, Venezuela, Somalia, Yemen

Compliance and Security

KYC Requirements

  • Full KYC with government ID, selfie, and potentially proof of address
  • Regulated through licensed financial institutions in each region

Security Features

Feature Details
Custody Model Custodial (fiat held by regulated institutions)
Insurance Coverage $750 million insurance policy for custodial crypto assets, FDIC insurance on USD balances in US
Security Features Two-factor authentication, instant card freeze/unfreeze, real-time transaction notifications
User Protection Worldwide Account Protection Program offering up to $250,000 reimbursement for unauthorized transactions
Compliance Partnerships Licensed financial institutions in each region

Technical Details

The Crypto.com card is a prepaid debit card that operates on the Visa network. Users load funds onto the card by converting cryptocurrency to fiat within the Crypto.com app. The card functions as a standard Visa card at the point of sale, with transactions processed through the Visa payment network.

Virtual cards are available immediately upon approval, with physical cards shipped later. All card management occurs through the Crypto.com mobile app, which provides PIN viewing, transaction history, card freezing/unfreezing, and top-up capabilities.

The card integrates with major mobile wallets including Apple Pay, Google Pay, and Samsung Pay (availability varies by region), allowing for contactless payments without the physical card. This technical integration provides a seamless experience across both traditional and modern payment systems.

User Experience

Feature Details
Mobile App Features Card management, transaction tracking, top-up capabilities, PIN viewing, instant notifications
Language Support Multiple languages supported through the Crypto.com App
Support Channels 24/7 live chat, email, dedicated support for higher tiers
Positive User Feedback Rewards satisfaction, ease of use, card design, integration with app
Negative User Feedback Customer support response times, changing rewards structure, occasional card declines
Common Complaints Support response times, reward reductions over time, app glitches
Merchant Category Restrictions Rewards excluded for quasi-cash transactions, crypto exchanges, financial services, gambling

Best Suited For

  • Active Crypto Investors who already hold or trade cryptocurrency and want to utilize their assets for everyday spending
  • Frequent International Travelers who benefit from foreign exchange transaction allowances and airport lounge access
  • Subscription Service Users who regularly pay for Spotify, Netflix, and other services that qualify for rebates
  • High-Volume Spenders who spend enough monthly to maximize cashback benefits, offsetting staking requirements
  • Crypto.com Ecosystem Users who already use the Crypto.com Exchange, App, or other services and benefit from integration
  • Privacy-Conscious Spenders who prefer not linking their bank account to various merchants and subscription services
  • Rewards Optimizers who strategically use different cards for different spending categories to maximize benefits

Pros and Cons

Pros

  • Generous CRO cashback rates (up to 5% standard, 8% for ultra-premium tier)
  • No annual fees across all tiers
  • Subscription rebates for popular services
  • Airport lounge access for higher-tier cardholders
  • Seamless integration with broader Crypto.com ecosystem
  • Premium metal cards from Ruby tier upward
  • Robust mobile app management features

Cons

  • Substantial CRO token staking requirements for higher tiers
  • Exposure to cryptocurrency volatility through staking model
  • Rewards programs have been reduced over time
  • Prepaid product requiring active top-up before spending
  • No credit facilities like traditional credit cards
  • Geographic restrictions in several regions
  • Significant foreign exchange fees in some regions (up to 3% in the US)
  • Regional variations in fee structures can be confusing

Level Up Program

The Level Up program, launched September 2, 2025, is Crypto.com's enhanced rewards system that provides additional benefits across the entire ecosystem.

Tier Pricing Key Benefits
Plus $4.99/month or $49.90/year Basic enhanced rewards and app perks
Pro $29.99/month or $299.90/year Premium rewards and app-wide benefits
Private Via CRO staking (minimum staking eligibility applies) Top-tier benefits and exclusive features

Rewards+ Integration: Effective October 1, 2025, the Level Up program replaces previous trading-volume requirements for Rewards+ benefits, making premium features more accessible to users regardless of trading activity.

Benefits: The program offers zero trading fees and other app-wide perks depending on tier level. These benefits are separate from the prepaid card tier staking requirements and provide an additional layer of rewards for active users.

Crypto.com Visa Signature Credit Card

In addition to the prepaid debit card, Crypto.com offers a traditional credit card product in select markets.

Feature Details
Product Type Traditional credit card (separate application required)
Card Network Visa Signature
Availability Currently United States only
Rewards Up to 6% back in CRO (tier-dependent)
Welcome Offer Limited-time offers running through October 31, 2025
Key Difference Traditional credit product (not prepaid); separate rewards structure

The Crypto.com Visa Signature Credit Card is a distinct product from the prepaid Visa card, requiring a separate application and credit approval. It offers its own rewards structure and benefits, making it suitable for users who prefer traditional credit products while still earning cryptocurrency rewards.

Conclusion

The Crypto.com Visa Card stands out as one of the most comprehensive crypto-linked debit cards available, offering a compelling package of rewards and benefits across its tiered structure. The card effectively bridges the gap between cryptocurrency holdings and everyday spending, allowing users to utilize their digital assets for real-world purchases.

The ideal user for the Crypto.com Card is someone already comfortable with cryptocurrency who spends regularly on subscription services, travels frequently, and can commit to staking CRO for at least 180 days. This user would benefit most from the subscription rebates, travel perks, and cashback rewards, effectively offsetting the opportunity cost of the staking requirement.

For crypto enthusiasts spending substantial amounts monthly, the higher tiers offer exceptional value despite the larger staking commitments. The fee structure compares favorably to traditional cards for regular use, with most users staying within the generous free ATM withdrawal and foreign exchange limits. The CRO cashback and various rebates typically exceed any potential fees for the average user, making the card economically beneficial for qualified cardholders who understand and accept the associated risks.

While the rewards structure has seen reductions over time, the Crypto.com Visa Card remains one of the leading options in the crypto card space, especially for those already invested in the broader Crypto.com ecosystem. The addition of the Level Up program and the separate Visa Signature Credit Card option further expands the company's financial product offerings, providing users with more flexibility in how they engage with the platform.

Additional Information

Security Incident Details

In January 2022, Crypto.com experienced a security breach affecting 483 users with approximately $34 million stolen in various cryptocurrencies. The company responded by:

  • Suspending withdrawals
  • Fixing the exploit
  • Reimbursing all affected customers in full
  • Implementing stronger authentication methods

Following this incident, Crypto.com introduced the Worldwide Account Protection Program to provide additional security for user funds.

Program Changes History

The Crypto.com Card program has undergone several changes since its inception:

  • May 2022: Reduction in cashback rates across all tiers and introduction of monthly reward caps
  • 2023: Introduction of 6-month time limits on subscription rebates for lower tiers
  • January 2024: Transition from simple token lockup to on-chain Cardholder CRO Staking mechanism
  • September 2025: Launch of the Level Up rewards system to enhance user engagement and benefits
  • November 2025: Discontinuation of Expedia, Airbnb, X (Twitter), and Amazon Prime rebates for Icy/Rose/Obsidian tiers

Tax Implications

Using the Crypto.com Card can trigger taxable events in many jurisdictions:

  • Each time cryptocurrency is converted to fiat to top up the card, this may constitute a taxable event that realizes capital gains or losses
  • CRO rewards earned from card spending may be considered income in some tax systems
  • Users should maintain detailed records and consult tax professionals regarding their specific obligations

Card Usage Tips

Issue Solution
Fee Minimization Top-up from fiat wallet or crypto conversion instead of direct credit/debit card
Avoiding Account Closure Fee Spend balance down to zero rather than requesting refund
Declined Transaction Troubleshooting Ensure sufficient balance, verify merchant accepts prepaid cards
Best Practices Pre-load the card before major purchases, use virtual card for online shopping
Foreign Exchange Optimization Be aware of your region's specific FX fee structure; higher tiers avoid these fees completely

Upcoming Features

Feature Details
Announced Future Capabilities Continued expansion of Level Up rewards program
Planned Expansions Further rollout in GCC countries
Beta Features Level Up gamification system for enhanced rewards

Our Verdict

Overall Rating

Crypto.com Card - Ruby Steel

3.3
#21 of 70
Net Reward
3.8
Availability
2.5
Custody & Risk
2
Features & Convenience
3.5
User Experience
4.5

Our comprehensive rating evaluates Crypto.com Card across core dimensions including rewards, availability, custody controls, and everyday usability.

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