Utorg Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Utorg Card 2.5/5 self_custodialboth	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	2.5/5	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	None currently available	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	self_custodial	self_custodial
KYC Required	No KYC	No KYC
Pros & Cons
Pros	Non-custodial approach gives users full control over their crypto assets with locally encrypted private keys Zero card issuance and maintenance fees reduce overall costs High €50,000 spending limit accommodates large purchases Currently 0% fees on both EUR and non-EUR transactions (promotional period)	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	Virtual card only - no physical card option or ATM access Limited to EEA residents plus Ukraine, excluding many global markets No cashback or rewards program currently available 1% FX fee may return when promotional period ends (per T&Cs)	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