Pera Card (Algorand) vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Pera Card (Algorand) self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	—	4.0/5
Fees
Monthly Fee	None	No annual fees for base tier
Issuance Fee	Free	See card_tiers - varies by tier and region
Rewards
Max Cashback	2.01%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	True non-custodial design - users maintain complete control of their funds through smart contracts Low fees - no monthly maintenance or purchase transaction fees Smart contract-based settlement with user-controlled deposits and withdrawals No minimum balance requirements or staking needed	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	BETA status - no official general release date announced Virtual card only - no physical card option available Limited cryptocurrency support - only USDCa supported No ATM withdrawals - cannot be used for cash access	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