FNT Crypto Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	FNT Crypto Card 2.5/5 self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	€15/month (verify in app/ordering flow)	No annual fees for base tier
Issuance Fee	€32 (Physical) / €10 (Virtual) - reduced by tier discounts (10-40%)	See card_tiers - varies by tier and region
Rewards
Max Cashback	Tier-based cashback benefits referenced in official materials (availability and rates unclear)	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Zero transaction fees on purchases and no FX markups in native currency Tiered membership system offering substantial discounts (up to 40%) Support for multiple blockchain networks provides flexibility and potential fee savings Seamless Telegram integration simplifies the user experience	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	2% top-up fee represents the main cost of using the service Monthly (€15) or annual (€150) maintenance fees may apply Geographic availability currently limited to Europe for physical cards Benefits heavily tied to FNTIO token holdings	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