Stella Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Stella 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	—	No annual fees for base tier
Issuance Fee	Virtual card: Pay-as-you-go fee (disclosed in-app); Physical card: Delivery fee waived after topping up USD 20,000	See card_tiers - varies by tier and region
Rewards
Max Cashback	None	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	No annual fees or maintenance charges Free crypto deposits (Stella charges 0%; users only pay blockchain network gas fees) Seamless automatic conversion from crypto to USD at interbank exchange rates Wide acceptance through the Visa network (40M+ merchants)	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 cryptocurrency support compared to some competitors (only BTC, ETH, USDT, USDC for base card) ATM withdrawal fees and free-withdrawal allowances only disclosed in-app Lack of ongoing cashback or rewards program Most fees only disclosed after app registration	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