Cypher Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Cypher Card 3.0/5 self_custodialvisa	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.0/5	4.0/5
Fees
Monthly Fee	—	No annual fees for base tier
Issuance Fee	See card_tiers	See card_tiers - varies by tier and region
Rewards
Max Cashback	Up to 35% in CYPR tokens for engaged users	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Non-custodial approach gives users maximum control over crypto assets Extensive multi-chain support with 500+ tokens across 25+ blockchains Active CYPR rewards program with epoch-based distribution and boosted merchants Industry-first fraud protection insurance on Premium tier	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	Physical card costs $50 on Standard tier 1.75% foreign exchange fee plus possible bank fees on non-USD transactions Default spending limits require increases via support Limited geographic availability with 17 US state restrictions	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