PAYY Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	PAYY Card 4.0/5 self_custodialvisa	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	4.0/5	4.0/5
Fees
Monthly Fee	$0	No annual fees for base tier
Issuance Fee	Free (virtual and physical)	See card_tiers - varies by tier and region
Rewards
Max Cashback	None - no traditional cashback rewards	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 monthly fees and zero transaction fees for purchases Privacy-preserving architecture shields transaction details from public view Self-custodial model gives users complete control over funds Global availability wherever Apple/Google app stores are accessible	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	No cashback or traditional rewards program Physical card limited to contactless payments only (no chip/magstripe) Restricted to USDC stablecoin for card spending Self-custody requires managing recovery phrases (potential complexity for some users)	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