Simple.app Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Simple.app Card 3.5/5 self_custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	3.5/5	4.0/5
Fees
Monthly Fee	€0	No annual fees for base tier
Issuance Fee	€0	See card_tiers - varies by tier and region
Rewards
Max Cashback	Cashback rewards available but specific rate not publicly disclosed as of April 2025	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 and issuance fees for all users No staking requirements to access the card High transaction limits (€15,000 daily) Integrated IBAN account with full SEPA capabilities (Custodial)	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	Custodial EUR card limited to European Economic Area residents only 2.5% fee on international (non-EEA) transactions Physical card not yet available (only virtual currently) E-money account not protected by deposit guarantee schemes	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