Mercuryo Spend Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Mercuryo Spend 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	Free (with fair usage)	No annual fees for base tier
Issuance Fee	Free	See card_tiers - varies by tier and region
Rewards
Max Cashback	—	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Maintains self-custody of crypto assets until point of transaction Supports 40 cryptocurrencies across multiple blockchains (standard version) Seamless integration with Apple Pay and Google Pay No issuance or monthly fees under fair usage conditions	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 to European Economic Area residents only No physical card option available for consumers €1/month inactivity fee after 3 consecutive months of no use 1% foreign exchange fee for non-EUR spending	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