Crypto.com Card
Crypto.com Card
The Crypto.com Visa Card is a prepaid debit card that connects cryptocurrency assets to everyday purchases. Users can convert digital currencies to fiat for use anywhere Visa or Mastercard is accepted, facilitating crypto spending in daily life. The card operates within the Crypto.com app ecosystem and supports top-ups via crypto, e-money wallets, and third-party cards.
- Type: Visa or Mastercard prepaid debit card with six tiers accessed via Level Up subscription fees or CRO staking
- Key Feature: Up to 8% cashback in CRO tokens on everyday spending; travel rewards up to 15%, and subscription rebates for Spotify, Netflix, and Truth+
- Availability: Available in the United States, European Economic Area/UK, Canada, Singapore, Australia, Brazil, and select GCC markets; not available in NY state, Russia, or China
- Standout Benefit: Premium metal cards and airport lounge access for higher tiers; base tier has no fees but higher tiers require subscription or staking
- Biggest Downside: Meaningful rewards require substantial CRO staking or Level Up fees; monthly caps apply to lower tiers
The Crypto.com Visa Card is a prepaid debit card that connects cryptocurrency assets to everyday purchases. Users can convert digital currencies to fiat for use anywhere Visa or Mastercard is accepted, facilitating crypto spending in daily life. The card operates within the Crypto.com app ecosystem and supports top-ups via crypto, e-money wallets, and third-party cards.
- Type: Visa or Mastercard prepaid debit card with six tiers accessed via Level Up subscription fees or CRO staking
- Key Feature: Up to 8% cashback in CRO tokens on everyday spending; travel rewards up to 15%, and subscription rebates for Spotify, Netflix, and Truth+
- Availability: Available in the United States, European Economic Area/UK, Canada, Singapore, Australia, Brazil, and select GCC markets; not available in NY state, Russia, or China
- Standout Benefit: Premium metal cards and airport lounge access for higher tiers; base tier has no fees but higher tiers require subscription or staking
- Biggest Downside: Meaningful rewards require substantial CRO staking or Level Up fees; monthly caps apply to lower tiers
Reviewed by James Burr
Last updated: December 12, 2025
Card Tiers
Detailed Summary
Crypto.com Visa Prepaid Debit Card Review: Fees, Rewards & Availability
Quick Summary: Crypto.com Visa Card
Key Features
- Prepaid Visa/Mastercard debit card connecting cryptocurrency to everyday spending
- Six tiers (Midnight Blue, Ruby Steel, Jade Green/Royal Indigo, Icy White/Rose Gold, Obsidian, Prime) with access via Level Up subscription fees and/or 12-month CRO staking
- Up to 8% cashback in CRO tokens on everyday spending (Prime tier)
- Up to 15% rewards on travel spending (Prime tier)
- Subscription rebates for services like Spotify, Netflix, and Truth+
- No annual fees for base tier; Level Up subscriptions available for enhanced benefits
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 (no FX fees for higher tiers in most regions)
- Mobile wallet compatibility (Apple Pay, Google Pay, Samsung Pay)
- Travel rewards program with up to 15% back
Notable Limitations
- Substantial CRO token staking requirements for higher tiers (12-month lockup)
- 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
- Card issuance and replacement fees vary by region
Table of Contents
- Basic Information
- Rewards and Benefits
- Fees and Limits
- Card Tiers and Options
- Supported Currencies and Conversion
- Top-Up Methods
- Self-Custody
- Geographic Availability
- Compliance and Security
- Regulatory Structure and Licensing
- Technical Details
- User Experience
- Best Suited For
- Pros and Cons
- Level Up Program
- Crypto.com Visa Signature Credit Card
- Conclusion
- Additional Information
- Our Verdict
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 or Mastercard 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 (most regions), Mastercard (Bahrain and select GCC markets) |
| Card Issuer | Varies by region: Community Federal Savings Bank (US prepaid), Foris MT (Europe), Foris Asia Pte (Singapore), Digital Commerce Bank (Canada), Foris GFS Australia Pty Ltd (Australia), Foris GFS Brasil Ltda (Brazil), Comenity Capital Bank (US credit card) |
| 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/Mastercard is accepted globally |
| Card Design | Tiered design with distinct colors/materials per tier, no personalization options |
| Payment System Integrations | Standard Visa/Mastercard 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. In select regions, the card also supports funding via e-money wallets and third-party cards.
Rewards and Benefits
Cashback Structure
The Crypto.com Visa Card offers tiered cashback rewards on everyday spending, with rates ranging from 0% to 8% depending on the card tier and staking commitment.
| Tier | Everyday Spending Cashback | Staking Requirement | Lock Period |
|---|---|---|---|
| Midnight Blue | 0% (no rewards) | None | N/A |
| Ruby Steel | 2% (with active stake) | ~$500 USD in CRO | 12 months |
| Jade Green/Royal Indigo | 3% (with active stake) | ~$5,000 USD in CRO | 12 months |
| Frosted Rose Gold/Icy White | 4% (with active stake) | ~$50,000 USD in CRO | 12 months |
| Obsidian | 5% (with active stake) | ~$500,000 USD in CRO | 12 months |
| Prime | 8% (with active stake) | ~$1,000,000 USD in CRO | 12 months |
Monthly Rewards Caps:
- Ruby Steel: $25 USD per month
- Jade Green/Royal Indigo: $75 USD per month
- Icy White/Rose Gold, Obsidian, Prime: No limit
Travel Rewards
The Crypto.com Visa Card now features an explicit travel rewards program, offering enhanced cashback rates on travel-related spending.
| Tier | Travel Rewards Rate |
|---|---|
| Midnight Blue | 0% |
| Ruby Steel | Up to 10% |
| Jade Green/Royal Indigo | Up to 10% |
| Frosted Rose Gold/Icy White | Up to 10% |
| Obsidian | Up to 15% |
| Prime | Up to 15% |
Additional Benefits
The Crypto.com Visa Card provides subscription rebates and travel perks that vary by tier, with benefits duration depending on the card level and stake maintenance.
- Referral Programs: $25 USD bonus in CRO for both referrer and referee when new user stakes for Ruby Steel or above
- Subscription Rebates:
- Spotify rebate (duration varies by tier)
- Netflix rebate (duration varies by tier)
- Truth+ rebate (starts November 13, 2025; duration varies by tier)
- Travel Benefits: Airport lounge access via Priority Pass/LoungeKey (higher tiers)
- CRO Staking Rewards: Additional staking rewards for locked CRO (rates vary by tier)
- Level Up Rewards: Additional bonuses through gamification system
- Important Note: For cards issued before November 6, 2024, Expedia, Airbnb, X (Twitter), and Amazon Prime rebates for Icy White/Rose Gold/Obsidian tiers were discontinued from November 2, 2025
Fees and Limits
Card-Related Fees
The Crypto.com Visa Card has region-specific issuance and replacement fees that vary significantly by market and card tier.
United States:
| Fee Type | Amount |
|---|---|
| Initial Issuance | Free |
| Upgrade to New Physical Card | $50 USD |
| Card Replacement | $7 for Midnight Blue, $50 for other tiers |
Europe (EU/EEA/UK):
| Fee Type | Amount |
|---|---|
| Initial Issuance (Midnight Blue) | €4.99 |
| Initial Issuance (Metal Tiers) | Free with qualifying stake |
| Card Replacement (Midnight Blue) | €45.01 |
| Card Replacement (Metal Tiers) | €50 |
| Upgrade Fee (Metal Tiers) | Waived |
Transaction Fees
ATM Withdrawals
| Tier | Free Monthly Limit | Fee After Limit |
|---|---|---|
| Midnight Blue | $200/month (€200 in EU) | 2% |
| Ruby Steel | $400/month (€400 in EU) | 2% |
| Jade/Indigo | $800/month (€800 in EU) | 2% |
| Icy/Rose Gold/Obsidian/Prime | $1,000/month (€1,000 in EU) | 2% |
Foreign Exchange Transactions
| Tier | Free Monthly Limit | Fee After Limit |
|---|---|---|
| Midnight Blue | $2,000/month (€2,000 in EU) | 0.5% |
| Ruby Steel | $4,000/month (€4,000 in EU) | 0.5% |
| Jade/Indigo | $10,000/month (€10,000 in EU) | 0.5% |
| Icy/Rose Gold | $20,000/month (€20,000 in EU) | 0.5% |
| Obsidian/Prime | Unlimited | N/A |
Additional Fees and Limits
The Crypto.com Visa Card has region-specific spending and top-up limits that are explicitly published for each market.
| 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 (€50 in EU) |
| Daily Spending Limit | Varies by region (e.g., $5,000 or €5,000 for fully verified users in most markets) |
| Monthly Spending Limit | Varies by region (e.g., $50,000 or €50,000 rolling limit in most markets) |
| ATM Withdrawals | $500-1,000 per withdrawal, typically 3 withdrawals per day |
| Maximum Card Balance | Varies by region (e.g., US$6,500 in Bahrain/GCC markets) |
Bahrain & Select GCC Markets (Mastercard):
| Limit Type | Amount |
|---|---|
| Maximum Card Balance | US$6,500 |
| Daily Spending Limit | Published in regional help center |
| Monthly Spending Limit | Published in regional help center |
| Yearly Spending Limit | Published in regional help center |
Regional Fee Variations
The Crypto.com Visa Card has significantly different fee structures across regions, with foreign exchange fees varying from 0% to 3% depending on location and tier.
| 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 | 2.0% on foreign transactions | Midnight Blue only | Higher tiers: No fee (effective Sep 2, 2025) |
| European Union | 2.0% on foreign transactions | Midnight Blue only | Higher tiers: No fee (effective Sep 2, 2025) |
| 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/Prime: €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/Prime: Unlimited Fee after allowance: 0.5% |
| Foreign Transaction Fee | Midnight Blue: 2.0% All other tiers: No fee |
| Card Fees | Issuance (Midnight Blue): €4.99 Replacement: €45.01 (Midnight Blue), €50 (metal tiers) Upgrade/reissue (metal): Waived Card closure and refund: €50 |
Card Tiers and Options
Midnight Blue
| Feature | Details |
|---|---|
| Issuance Fee | Free (no stake required); €4.99 in EU |
| Card Material | Plastic |
| Delivery Method | Physical card shipped after approval |
| Everyday Spending Cashback | 0% |
| Travel Rewards | 0% |
| Monthly Rewards Cap | N/A |
| 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 ($500 USD stake in CRO required) |
| Card Material | Metal (red stainless steel) |
| Delivery Method | Physical card shipped after approval |
| Everyday Spending Cashback | 2% CRO rewards (with active stake) |
| Travel Rewards | Up to 10% |
| Monthly Rewards Cap | $25 USD |
| ATM Withdrawals | $400 monthly free (2% fee thereafter) |
| FX Limit | $4,000 monthly (0.5% fee thereafter) |
| Special Features | Spotify rebate (duration varies with maintained stake) |
Royal Indigo / Jade Green
| Feature | Details |
|---|---|
| Issuance Fee | Free ($5,000 USD stake required) |
| Card Material | Metal (purple or green) |
| Delivery Method | Physical card shipped after approval |
| Everyday Spending Cashback | 3% CRO rewards (with active stake) |
| Travel Rewards | Up to 10% |
| Monthly Rewards Cap | $75 USD |
| ATM Withdrawals | $800 monthly free (2% fee thereafter) |
| FX Limit | $10,000 monthly (0.5% fee thereafter) |
| Special Features | Spotify and Netflix rebates (duration varies with maintained stake), limited airport lounge access (approximately 4 visits per year) |
Frosted Rose Gold / Icy White
| Feature | Details |
|---|---|
| Issuance Fee | Free ($50,000 USD stake required) |
| Card Material | Premium metal (white or rose gold finish) |
| Delivery Method | Physical card shipped after approval |
| Everyday Spending Cashback | 4% CRO rewards (with active stake) |
| Travel Rewards | Up to 10% |
| Monthly Rewards Cap | No limit |
| ATM Withdrawals | $1,000 monthly free (2% fee thereafter) |
| FX Limit | $20,000 monthly (0.5% fee thereafter) |
| Special Features | Spotify, Netflix, and Truth+ rebates (duration varies with maintained stake), unlimited airport lounge access for cardholder plus one guest |
| Important Note | For cards issued before November 6, 2024: Expedia, Airbnb, X (Twitter), and Amazon Prime rebates discontinued from November 2, 2025 |
Obsidian
| Feature | Details |
|---|---|
| Issuance Fee | Free ($500,000 USD stake required) |
| Card Material | Exclusive black metal |
| Delivery Method | Physical card shipped after approval |
| Everyday Spending Cashback | 5% CRO cashback (with active stake) |
| Travel Rewards | Up to 15% |
| Monthly Rewards Cap | No limit |
| ATM Withdrawals | $1,000 monthly free (2% fee thereafter) |
| FX Limit | Unlimited perfect interbank exchange rates |
| Special Features | Spotify, Netflix, and Truth+ rebates (duration varies with maintained stake), unlimited airport lounge access worldwide for cardholder plus guest, VIP status with dedicated support |
| Important Note | For cards issued before November 6, 2024: Expedia, Airbnb, X (Twitter), and Amazon Prime rebates discontinued from November 2, 2025 |
Prime
| Feature | Details |
|---|---|
| Issuance Fee | Free ($1,000,000 USD stake required for 12 months) |
| Card Material | Ultra-premium metal |
| Delivery Method | Priority shipping |
| Everyday Spending Cashback | 8% CRO rewards on spending (with active stake) |
| Travel Rewards | Up to 15% |
| Monthly Rewards Cap | No limit |
| ATM Withdrawals | $1,000 monthly free (2% fee thereafter) |
| FX Limit | Unlimited perfect interbank exchange rates |
| Special Features | Enhanced version of Obsidian benefits, highest staking interest, Spotify, Netflix, and Truth+ rebates, unlimited airport lounge access |
| 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
The Crypto.com Visa Card is available in over 90 countries across North America, Europe, Asia-Pacific, Latin America, and the Middle East, with recent expansion into GCC markets using Mastercard infrastructure.
Supported Regions
North America
United States (except New York), Canada
Europe
All 27 EU countries, United Kingdom, Switzerland, Norway, Iceland
Asia-Pacific
Singapore, Malaysia, Hong Kong, Taiwan, Philippines, Australia
Latin America
Brazil
Middle East & North Africa (MENA)
Bahrain and select GCC countries (Mastercard-powered program)
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 |
Regulatory Structure and Licensing
The Crypto.com Visa Card operates under different regulatory frameworks and card networks depending on the region, with partnerships with licensed financial institutions to ensure compliance.
| Region | Card Network | Issuing Institution | Regulatory Framework |
|---|---|---|---|
| United States (Prepaid) | Visa | Community Federal Savings Bank | FDIC-insured banking institution |
| United States (Credit) | Visa Signature | Comenity Capital Bank | Licensed credit card issuer |
| Europe | Visa | Foris MT | E-Money Institution (EMI) |
| Singapore | Visa | Foris Asia Pte | Licensed payment institution |
| Canada | Visa | Digital Commerce Bank | Licensed banking institution |
| Australia | Visa | Foris GFS Australia Pty Ltd | Licensed financial services provider |
| Brazil | Visa | Foris GFS Brasil Ltda | Licensed financial services provider |
| Bahrain & GCC | Mastercard | Crypto.com (Principal License) | Mastercard principal member |
Key Regulatory Features:
- GCC Markets: Crypto.com operates under a Mastercard principal license arrangement, enabling direct card issuance in Bahrain and select GCC countries
- Europe: Operates as an E-Money Institution (EMI) under EU regulatory framework
- United States: Separate prepaid (Community Federal Savings Bank) and credit (Comenity Capital Bank) card programs
- Multi-jurisdictional Compliance: Maintains licenses and partnerships across all operating regions to ensure regulatory compliance
Technical Details
The Crypto.com card is a prepaid debit card that operates on the Visa network (Mastercard in select GCC markets). Users load funds onto the card by converting cryptocurrency to fiat within the Crypto.com app. The card functions as a standard Visa/Mastercard at the point of sale, with transactions processed through the respective 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.
In select regions, the card supports multiple funding methods including e-money wallets and third-party payment cards, expanding beyond the traditional crypto-to-fiat top-up model.
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
The Crypto.com Visa Card is best suited for users who can maximize its tiered rewards structure and are comfortable with cryptocurrency staking requirements.
- 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, airport lounge access, and travel rewards
- Subscription Service Users who regularly pay for Spotify, Netflix, Truth+, 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
- Travel Enthusiasts who can leverage the up to 15% travel rewards on higher tiers
Pros and Cons
Pros
- Generous CRO cashback rates (up to 8% on everyday spending for Prime tier)
- Travel rewards program offering up to 15% back on travel spending
- No annual fees for base tier
- Subscription rebates for popular services (Spotify, Netflix, Truth+)
- Airport lounge access for higher-tier cardholders
- Seamless integration with broader Crypto.com ecosystem
- Robust mobile app management features
Cons
- Substantial CRO token staking requirements for higher tiers (12-month lockup)
- Exposure to cryptocurrency volatility through staking model
- Rewards programs have been reduced over time
- Prepaid product requiring active top-up before spending
- Geographic restrictions in several regions
- Significant foreign exchange fees in some regions (up to 3% in the US for lower tiers)
- 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 and serves as a core framework for accessing card tier benefits.
| Tier | Pricing | Access Method | Key Benefits |
|---|---|---|---|
| Plus | $4.99/month or $49.90/year | Subscription fee | Basic enhanced rewards and app perks |
| Pro | $29.99/month or $299.90/year | Subscription fee | Premium rewards and app-wide benefits |
| Private | Via CRO staking | 12-month CRO lockup (minimum staking eligibility applies) | Top-tier benefits and exclusive features |
Card Tier Integration: The Level Up program is now integrated with card tier access, with users able to qualify for card benefits through either Level Up subscription fees or 12-month CRO staking commitments.
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 complement the prepaid card tier staking requirements and provide an additional layer of rewards for active users.
Gamification System: Level Up includes a gamification system that provides additional bonuses and enhanced rewards for user engagement across the Crypto.com platform.
Crypto.com Visa Signature Credit Card
In addition to the prepaid debit card, Crypto.com offers a traditional credit card product exclusively in the United States market.
| Feature | Details |
|---|---|
| Product Type | Traditional credit card (separate application required) |
| Card Network | Visa Signature |
| Card Issuer | Comenity Capital Bank |
| Availability | United States only |
| Rewards | Up to 6% back in CRO (tier-dependent) |
| Welcome Offer | Limited-time offers (check current promotions) |
| Key Difference | Traditional credit product (not prepaid); separate rewards structure from prepaid card |
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. The prepaid Visa card in the US is issued by Community Federal Savings Bank, while the credit card is issued by Comenity Capital Bank.
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 six-tier structure. The card effectively bridges the gap between cryptocurrency holdings and everyday spending, allowing users to utilize their digital assets for real-world purchases with enhanced travel rewards and cashback programs.
The ideal user for the Crypto.com Visa Card is someone already comfortable with cryptocurrency who spends regularly on subscription services, travels frequently, and can commit to staking CRO for 12 months. This user would benefit most from the subscription rebates, travel perks (up to 15% rewards), and cashback rewards (up to 8% on everyday spending), 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 has improved in many regions (particularly EU/UK with no FX fees for higher tiers effective September 2, 2025), making the card more competitive with traditional cards for regular use. The CRO cashback, travel rewards, 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 and now requires 12-month staking commitments, 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, explicit travel rewards (up to 15%), 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. The expansion into GCC markets with Mastercard infrastructure demonstrates continued growth and regional adaptation.
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 2, 2025: Launch of the Level Up rewards system to enhance user engagement and benefits; improved FX fee structure for EU/UK markets (no FX fees for higher tiers)
- October 1, 2025: Level Up program replaces trading-volume requirements for Rewards+ benefits
- November 2, 2025: Discontinuation of Expedia, Airbnb, X (Twitter), and Amazon Prime rebates for Icy/Rose/Obsidian tiers (cards issued before November 6, 2024)
- November 13, 2025: Introduction of Truth+ subscription rebate
- 2025: Transition to 12-month CRO staking requirements across all tiers; introduction of Prime tier with 8% everyday spending cashback and 15% travel rewards; updated cashback structure (0%/2%/3%/4%/5%/8%); updated monthly rewards caps (Ruby $25, Jade/Indigo $75, higher tiers no limit)
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 in most regions |
| Regional Limits Awareness | Check region-specific spending and top-up limits in the Crypto.com help center |
Upcoming Features
| Feature | Details |
|---|---|
| Announced Future Capabilities | Continued expansion of Level Up rewards program and gamification features |
| Planned Expansions | Further rollout in GCC countries with Mastercard infrastructure |
| Beta Features | Level Up gamification system for enhanced rewards |
| Truth+ Integration | Truth+ subscription rebate launching November 13, 2025 |
Compare & Learn More
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