Crypto.com Card
Visa + MastercardcustodialKYC: required
4.0 / 5
Net Reward3.8
Availability4.5
Custody & Risk2.0
Features4.3
UX4.5
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.
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Slug: crypto-com-card
Our Verdict
Active crypto investors who already hold or trade cryptocurrency, frequent international travelers who benefit from FX allowances and airport lounge access, subscription service users who regularly pay for Spotify/Netflix/Truth+, high-volume spenders who can maximize cashback benefits, and Crypto.com ecosystem users who benefit from integration.
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
Supported chains
No chain data yet.
Supported cryptos
BTCETHLTC
Fees
Monthly: No annual fees for base tier
Issuance: See card_tiers - varies by tier and region
Key Features
- Prepaid Visa/Mastercard debit card connecting cryptocurrency to everyday spending
- Six tiers 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 Spotify, Netflix, and Truth+
- No annual fees for base tier
- Metal cards available from Ruby tier upward
- Airport lounge access for higher-tier cardholders
- Mobile wallet compatibility (Apple Pay, Google Pay, Samsung Pay)
- Supports 100+ cryptocurrencies and 20+ fiat currencies
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 (up to 3% in US for lower tiers)
- Monthly rewards caps apply to lower tiers (Ruby $25, Jade/Indigo $75)
- Regional variations in fee structures can be confusing
Risks
- SecuritySecurity breach affecting 483 users with approximately $34 million stolenJanuary 2022
- CounterpartyCustodial model means users lose access to funds if provider disappearsPlatform controls all private keys and holds users' crypto
- MarketCRO token volatility affects staking value and rewards valueExposure to cryptocurrency volatility through staking model
- RegulatoryGeographic restrictions in several regions including NY state (no BitLicense), Russia, China, and sanctioned countriesNot available in NY state, North Korea, Iran, Syria, Sudan, Crimea, Russia, Mainland China, Cuba, Afghanistan, Venezuela, Somalia, Yemen
Rewards & Cashback
Notes: Travel rewards up to 10% for Ruby through Icy/Rose Gold tiers, up to 15% for Obsidian and Prime tiers
Cashback Cap: Ruby Steel: $25/month, Jade/Indigo: $75/month, Icy/Rose Gold/Obsidian/Prime: No limit
Reward Token: CRO
Cashback Rate: 0% - 8% depending on tier (Midnight Blue 0%, Ruby Steel 2%, Jade/Indigo 3%, Icy/Rose Gold 4%, Obsidian 5%, Prime 8%)
Excluded Transactions:quasi-cash transactions, crypto exchanges, financial services, gambling
Eligibility Requirements: Active CRO stake required for cashback rewards
Spending Limits
Notes: Bahrain/GCC: Maximum card balance US$6,500
Atm Daily: $500-1,000 per withdrawal, typically 3 withdrawals per day
Atm Monthly: See tier-specific limits
Daily Spending: $5,000 or €5,000 for fully verified users in most markets
Monthly Spending: $50,000 or €50,000 rolling limit in most markets
Top-Up Methods
Crypto conversionFiat walletE-money walletsThird-party cards
Processing Time: Instant conversion when loading the card
Banking & Financial Services
Virtual cards available immediately upon approval
Credit & Loan Products
Crypto.com also offers a separate Visa Signature Credit Card in the US only, issued by Comenity Capital Bank, with up to 6% back in CRO
Security Features
Features: Two-factor authentication,Instant card freeze/unfreeze,Real-time transaction notifications,Worldwide Account Protection Program offering up to $250,000 reimbursement for unauthorized transactions
Insurance: $750 million insurance policy for custodial crypto assets, FDIC insurance on USD balances in US
Mobile Wallet Support
Apple PayGoogle PaySamsung PayiOSAndroid
Best For
Active crypto investors who already hold or trade cryptocurrency, frequent international travelers who benefit from FX allowances and airport lounge access, subscription service users who regularly pay for Spotify/Netflix/Truth+, high-volume spenders who can maximize cashback benefits, and Crypto.com ecosystem users who benefit from integration.
Custody Model
custodialPlatform controls all private keys and holds users' crypto. Users must convert crypto to fiat and load onto card before spending.
Risk: If provider disappears, users lose access to funds held on the platform/card.
Card Issuer & Compliance
Issuer Name: 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)
Kyc Required: true
Issuer License: FDIC-insured banking institution (US), E-Money Institution/EMI (Europe), Licensed payment institution (Singapore), Licensed banking institution (Canada), Mastercard principal member (Bahrain/GCC)
Platform Licenses: FDIC-insured (US),E-Money Institution (Europe),Licensed payment institution (Singapore),Licensed banking institution (Canada),Mastercard principal license (GCC)
Availability
Available in 179 countries including United States, European Economic Area/UK, Canada, Singapore, Australia, Brazil, and select GCC markets. Restricted in 10 countries. Not available in NY state, Russia, or China.
Card Tiers
Midnight Blue
PhysicalPlastic
None (no stake required)
Fees
Issuance: Free (€4.99 in EU)
VisaApple PayGoogle PaySamsung Pay
Cashback: 0%
ATM Free: $200/month (€200 in EU)
FX Free: $2,000/month (€2,000 in EU)
Ruby Steel
PhysicalMetal (red stainless steel)
~$500 USD in CRO staked for 12 months
Fees
Issuance: Free
VisaApple PayGoogle PaySamsung Pay
Cashback: 2% CRO rewards (with active stake)
Rewards Cap: $25 USD/mo
ATM Free: $400/month (€400 in EU)
FX Free: $4,000/month (€4,000 in EU)
Spotify rebate (duration varies with maintained stake)
Royal Indigo / Jade Green
PhysicalMetal (purple or green)
~$5,000 USD in CRO staked for 12 months
Fees
Issuance: Free
VisaApple PayGoogle PaySamsung Pay
Cashback: 3% CRO rewards (with active stake)
Rewards Cap: $75 USD/mo
ATM Free: $800/month (€800 in EU)
FX Free: $10,000/month (€10,000 in EU)
Spotify rebateNetflix rebateLimited airport lounge access (approximately 4 visits per year)
Frosted Rose Gold / Icy White
PhysicalPremium metal (white or rose gold finish)
~$50,000 USD in CRO staked for 12 months
Fees
Issuance: Free
VisaApple PayGoogle PaySamsung Pay
Cashback: 4% CRO rewards (with active stake)
Rewards Cap: No limit/mo
ATM Free: $1,000/month (€1,000 in EU)
FX Free: $20,000/month (€20,000 in EU)
Spotify rebateNetflix rebateTruth+ rebateUnlimited airport lounge access for cardholder plus one guest
Obsidian
PhysicalExclusive black metal
~$500,000 USD in CRO staked for 12 months
Fees
Issuance: Free
VisaApple PayGoogle PaySamsung Pay
Cashback: 5% CRO cashback (with active stake)
Rewards Cap: No limit/mo
ATM Free: $1,000/month (€1,000 in EU)
FX Free: Unlimited perfect interbank exchange rates
Spotify rebateNetflix rebateTruth+ rebateUnlimited airport lounge access worldwide for cardholder plus guestVIP status with dedicated support
Prime
PhysicalUltra-premium metal
~$1,000,000 USD in CRO staked for 12 months
Fees
Issuance: Free
VisaApple PayGoogle PaySamsung Pay
Cashback: 8% CRO rewards on spending (with active stake)
Rewards Cap: No limit/mo
ATM Free: $1,000/month (€1,000 in EU)
FX Free: Unlimited perfect interbank exchange rates
Enhanced version of Obsidian benefitsHighest staking interestSpotify rebateNetflix rebateTruth+ rebateUnlimited airport lounge accessPriority shipping
Token Economics
CRO
Staking APY
12 monthsVaries by tier - additional staking rewards for locked CRO APY
Referral: $25 USD bonus in CRO for both referrer and referee when new user stakes for Ruby Steel or above
Merchant Restrictions
Quasi-cash transactions- Rewards excluded
Crypto exchanges- Rewards excluded
Financial services- Rewards excluded
Gambling- Rewards excluded
User Ratings
1.3/5.0 (9,185 ratings)
Trustpilot
4.5/5.0 (661,155 ratings)
Google Play
4.7/5.0 (321,114 ratings)
App Store
High app store ratings but very low Trustpilot score indicating mixed user experiences
Roadmap & Updates
Expansion: Further rollout in GCC countries with Mastercard infrastructure
Planned Features:
- Continued expansion of Level Up rewards program and gamification features
- Truth+ subscription rebate launching November 13, 2025
Recent Updates:
- September 2, 2025: Launch of Level Up rewards system; improved FX fee structure for EU/UK markets
- 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)
- 2025: Transition to 12-month CRO staking requirements; introduction of Prime tier with 8% cashback and 15% travel 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 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. For crypto enthusiasts spending substantial amounts monthly, the higher tiers offer exceptional value despite the larger staking commitments. 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.
Card launched: 2018 (initially launched in Singapore, then expand
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