Black Cat Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Black Cat Card 3.0/5 self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	Free for one card; €2/month for additional cards	No annual fees for base tier
Issuance Fee	Free (first physical card)	See card_tiers - varies by tier and region
Rewards
Max Cashback	0.5% general (requires €50/month spend), up to 5% on Google Play, 2% on Amazon, 3% at bm.market, up to 7% via Cashback Wheel promo	8%
Features
Apple Pay	No	Yes
Google Pay	No	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No monthly fees or token staking requirements for the standard account Generous rewards (up to 4% interest or various cashback options up to 7%) Free IBAN account with 5 free SEPA transfers monthly Seamless integration between crypto and traditional banking	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+)
Cons	Limited cryptocurrency support (BTC, ETH, USDT, USDC only) Physical card requires EEA address proof for issuance eligibility History of regulatory issues and service disruptions 3% foreign exchange fee for non-EUR transactions (except SEK, CZK, PLN, RON)	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