Ledger CL Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Ledger CL 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	None	No annual fees for base tier
Issuance Fee	Free (€0.00)	See card_tiers - varies by tier and region
Rewards
Max Cashback	1% in BTC/USDC (US) or BTC/USDT (other countries); 2% in BXX token	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Self-custody until card top-up, providing enhanced security Seamless integration with Ledger's hardware wallet ecosystem Competitive 1-2% cashback rates without staking requirements No monthly fees with simple single-tier system	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	High combined fees (1.75% conversion + 2% card spend = 3.75% total) significantly erode cashback benefits Limited to EEA, UK, US (excluding NY and VT), Canada, Switzerland, Colombia, Mexico, and Brazil Must pre-fund card before spending (debit card model) Some pre-authorization transactions may be unsupported; standing orders not supported	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