- Pay a monthly plan instead of staking CRO
- Visa Signature perks, Priority Pass tiers
- Rewards in BTC or CRO, your pick in the app
Crypto.com Card Overview
- Crypto Card Name
- Crypto.com Card
- Card Type
- Credit
- Network
- Visa
- Issuer
- Comenity Capital Bank (US Visa Signature credit card)
- Program Partner
- Visa
- Digital Wallets
- Apple Pay, Google Pay, Samsung Pay
Additional details
- Availability
- The Visa Signature credit card is available to eligible US applicants, excluding New York, subject to credit approval. Separate prepaid programs operate in other supported markets under their own issuers and terms.
- Rewards
- US credit card: Basic earns 1.5% in BTC or CRO without a subscription or CRO lockup. Higher Level Up tiers offer 3.5%–6% subject to subscription or CRO lockup requirements. BTC rewards have tier-specific caps. Separate prepaid programs have different CRO rewards.
- Fees
- US credit card Basic: $0 annual fee with no required subscription or CRO lockup. Optional Plus costs $4.99/month and Pro $29.99/month, with CRO lockup alternatives. Interest and other issuer charges may apply. Prepaid top-up, ATM and FX fees follow separate regional schedules.
- Daily Spend / ATM Limit
- US credit-card spending is limited by the credit line assigned by Comenity Capital Bank. Separate prepaid cards have regional purchase, top-up and ATM limits shown in-app.
- Funding Source
- US credit card: purchases use a credit line and are repaid through the card account. Separate prepaid cards require a funded fiat balance, which may come from bank transfers or crypto conversions.
- Virtual Card & Shipping
- Instant virtual card for online spend; physical delivery typically ~7–14 business days (some regions differ).
Crypto.com Card Screenshots
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Crypto.com Card Pros and Cons
Pros
- Free 1.5% base rate, no stake, no subscription
- $0 annual fee on both cards
- Instant virtual card with one-tap freeze
- Regulated US banks issue both cards
- Credit card purchases sell no crypto
Cons
- Prepaid free tier earns 0% cashback
- 3% FX fee on every accessible prepaid tier
- Top rates need $50k–$500k CRO stakes
- Prepaid rewards pay only in volatile CRO
- Repeated benefit cuts, latest in Nov. 2025
What Crypto.com Visa Card is and How it Works
Credit-card purchases draw on a Comenity Capital Bank credit line, repaid through the card statement. Rewards arrive in the Crypto.com account as BTC or CRO, selected in the app. Because no crypto is sold when you pay, a purchase never triggers a taxable disposal. Approval starts with a soft pre-qualification, then a full credit application.
Prepaid purchases draw on a balance loaded from a cash account or stablecoin, or by converting crypto. Funding with fiat or USDC costs nothing extra. Funding with volatile crypto sells that crypto at load time, which adds Crypto.com's conversion spread and a taxable disposal at top-up. Subsequent purchases spend the loaded balance, unlike Coinbase's point-of-sale conversion model. Pre-authorization holds apply at fuel pumps and hotels, and merchant refunds post back to the card balance after settlement.
Who Is Crypto.com Visa Card For?
US applicants who pass the credit check can earn 1.5% in BTC or CRO on Basic without a stake or subscription. Its foreign transaction pricing does not depend on a tier upgrade. Users willing to pay $4.99 a month, or stake $500 in CRO, lift that to 3.5%.
The prepaid card serves users outside the US and people who cannot or prefer not to use credit. Its free tier earns nothing and charges 3% on foreign spending. Earning rewards requires a 12-month CRO lockup. Anyone unwilling to hold CRO, and anyone in New York, is out entirely.
Crypto.com Visa Card Rewards Mechanics
The credit card's free Basic tier pays 1.5% without a stake or subscription. On the prepaid card the realized rate is 0%, because that is what the freely available Midnight Blue tier pays.
| Element | Value | Notes |
|---|---|---|
| Credit base rate | 1.5% | Free Basic tier, no conditions attached |
| Credit tier ladder | Plus 3.5%, Pro 4.5%, Private ($50k) 5%, Private ($500k) 6% | Plus $4.99 a month or $500 CRO, Pro $29.99 a month or $5,000 CRO, Private ($50k) $50,000 CRO, Private ($500k) $500,000 CRO, stakes locked 12 months |
| Credit top rate | 6% | Private ($500k) at $500,000 |
| Credit reward currency | BTC or CRO | |
| Credit BTC earn caps | Basic $250, Plus $500, Pro $1,000, Private ($50k) $5,000, Private ($500k) $10,000 by calendar-month spend | Lower rate beyond the cap, CRO rewards have no cap |
| Prepaid base rate | 0% | Freely available Midnight Blue tier |
| Prepaid tier ladder | Ruby Steel 2% (monthly reward cap $25), Jade Green and Royal Indigo 3% (cap $75), Icy White and Rose Gold 4% (no cap), Obsidian 5% (no cap) | Ruby Steel $500 CRO, Jade Green and Royal Indigo $5,000, Icy White and Rose Gold $50,000, Obsidian $500,000, held 12 months. Uses the metal tier names (Midnight/Ruby/Jade/Indigo/Icy/Rose/Obsidian) — only the credit card uses Basic/Plus/Pro/Private |
| Prepaid top rate | 5% | Obsidian at $500,000 |
| Prepaid reward currency | CRO only | |
| Prepaid monthly reward caps | Ruby Steel $25, Jade Green / Royal Indigo $75, Icy White / Rose Gold and Obsidian uncapped | Confirmed against the live prepaid page |
| Exclusions | Cash-like transactions, bill payments, and ATM withdrawals earn nothing | Both cards |
Prepaid rewards pay exclusively in CRO, so the cash value of every percentage point floats with the token's price. Since Nov. 2, 2025, Crypto.com has removed the legacy non-staking spend rewards on older prepaid cards and dropped the Expedia, Airbnb, X, and Amazon Prime rebates on the metal tiers, which leaves staking as the only route to prepaid value. Cash-like transactions, bill payments, and ATM withdrawals earn nothing on either card.
Crypto.com Visa Card Fees and Pricing
Both cards charge $0 annually. The credit card's Basic tier pays 1.5% without a subscription or stake. Higher rates require a Level Up subscription ($4.99 or $29.99 a month) or with locked CRO carrying 12 months of price risk and opportunity cost.
The prepaid card adds the fees below at its lower tiers.
| Fee or charge | Amount / rate | When it applies | Notes |
|---|---|---|---|
| Annual fee | $0 | Both cards | Basic tier holds free with no subscription or stake |
| Level Up subscription | $4.99 or $29.99 a month | To lift the reward rate above the base | Alternative to locked CRO carrying 12 months of price risk and opportunity cost |
| FX fee | 3% | Midnight Blue, Ruby Steel, Jade Green, and Royal Indigo (prepaid) | 0% rate begins at Icy White / Rose Gold, which requires a $50,000 CRO stake |
| ATM withdrawal | Free within allowance, then 2% | Prepaid, beyond the monthly allowance | Allowance scales from $200 (Midnight Blue) to $1,000 (Obsidian) |
| Replacement card | $7 (Midnight Blue), $50 (higher tiers) | Prepaid card replacement | |
| Card top-up | Debit card 0–1%, credit card 1–2.99%, PayPal (US) 2.1% | Funding the prepaid balance | On top of the conversion spread when funding from volatile crypto |
Midnight Blue combines a 3% foreign spending charge with no purchase rewards. That cost makes it difficult to justify over a card without foreign transaction fees.
Crypto.com Visa Card Limits — Purchase and ATM
Prepaid top-ups cap at $25,000 a month in aggregate. ATM cash follows the tiered free allowance ($200 / $400 / $800 / $1,000 / $1,000 a month, 2% beyond) against per-tier ATM caps of $5,000 (Midnight Blue) and $10,000 (all higher tiers). Per-transaction and daily purchase limits vary by tier and display in-app under the Card menu's Limits section. Increasing these limits requires a tier upgrade. Support does not grant ad-hoc increases. On the credit card, spending capacity is simply the credit line Comenity assigns at approval.
| Limit | Amount | Notes |
|---|---|---|
| Prepaid top-ups | $25,000 a month aggregate | Confirmed |
| ATM free allowance | $200 / $400 / $800 / $1,000 / $1,000 a month, 2% beyond | Tiered by card, confirmed |
| ATM cap | $5,000 (Midnight Blue), $10,000 (higher tiers) | Confirmed |
| Per-transaction and daily purchase | Vary by tier | Display in-app under Card → Limits |
| Credit card spending capacity | Credit line assigned at approval | Set by Comenity |
Eligibility and Availability — Countries and States
- The credit card takes US applicants only, through a soft pre-qualification followed by a credit application, on top of standard Crypto.com KYC (know your customer) checks. Applicants must be at least 18 and provide government ID and a live selfie, with proof of address where flagged. The prepaid card covers the US (49 states plus Washington, D.C.), the UK, most of the EEA, Switzerland, Canada, Australia, Singapore, and Brazil, with further LATAM markets rolling out. New York is excluded from both products because Crypto.com holds no NYDFS BitLicense, and US territories get app access without card issuance. Apple Pay and Google Pay work in the US, EU, Canada, and Australia. The UK supports neither, while Singapore supports Google Pay only.
Available Countries
The credit card is available only in the United States. The prepaid allowlist covers the following countries.
- Australia
- Austria
- Belgium
- Brazil
- Bulgaria
- Canada
- Croatia
- Cyprus
- Czech Republic
- Denmark
- Estonia
- Finland
- France
- Germany
- Greece
- Hungary
- Iceland
- Ireland
- Italy
- Latvia
- Lithuania
- Luxembourg
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Romania
- Singapore
- Slovakia
- Slovenia
- Spain
- Sweden
- Switzerland
- United Kingdom
- United States (49 states + DC, New York excluded)
Funding Rails
Credit-card purchases use the credit line, with no crypto conversion or load-time disposal.
A prepaid load from a fiat cash account or USDC settles 1:1. Funding from volatile crypto converts at load, which costs the spread and counts as a taxable disposal at that moment. Top-ups cost 0 to 1% by debit card and 1 to 2.99% by credit card. PayPal top-ups cost 2.1% in the US. Auto Top-Up can convert designated crypto when the balance runs low in supported markets. Once loaded, the balance can be spent without another crypto sale.
Security, Custody, and Freeze Risk
Community Federal Savings Bank, Member FDIC, issues the prepaid card. Comenity Capital Bank issues the credit card. Both are named, regulated US banks. Prepaid balances sit in Crypto.com's custodial structure until loaded, so treat FDIC pass-through claims as the issuer's stated position for fiat balances, not settled protection for held crypto.
App-side controls cover TOTP two-factor authentication (no hardware-key support), instant freeze and unfreeze, PIN management, and biometric gating on full card-number access. Visa's zero-liability policy applies to unauthorized transactions under the cardholder agreement. The reviewed record shows no pattern of mass account freezes. Recurring complaints concern support responsiveness when disputes or holds occur.
UX, App, and Support
The app issues virtual cards instantly and provides one-tap freezes with real-time alerts. Apple Pay or Google Pay setup takes minutes in supported regions. Metal physical cards on the upper prepaid tiers remain a signature touch, though shipping can lag.
Chat wait times lengthen at peak periods, and community forums often answer faster than official channels. Lower-tier prepaid holders have also faced benefit cuts, including the Nov. 2025 removal of legacy rewards and travel rebates. Disputes go through, but slowly, and that pace is the main operational risk on an otherwise polished product.
Tax and Record-Keeping
Both cards export statements and transaction history in-app. Credit-card purchases sell no crypto. Cardholders still need the cost basis of BTC or CRO rewards when those assets are later sold. Prepaid top-ups from volatile crypto create disposals to report. Cardholders need the funding log alongside their spending history. Fiat and USDC loads avoid the issue.
Alternative Cards Like Crypto.com Visa Card
- Coinbase Card requires no token stake and charges no FX fee for US users. Users can choose a reward coin without a CRO commitment or Level Up subscription.
- Gemini Credit Card is a credit card with category-based rewards of up to 4% in crypto and no foreign transaction fee. Avoids pre‑funding and cuts conversion spread risk for everyday spending.
- Bybit Card (EEA) offers 1% uncapped cashback under the EU card program's separate terms and a route from crypto balances to spending.
- Nexo Card lets users spend against crypto without selling and earn up to 2% back. Reduces taxable disposals and avoids hidden conversion spread.
Final Verdict
Crypto.com's US Visa Signature credit card pays 1.5% in BTC or CRO at its free Basic tier. It costs $0 a year and sells no crypto at checkout, with higher reward rates available through paid plans or CRO lockups. The prepaid card's free tier earns 0% and charges 3% on foreign spending. Higher prepaid rewards require a 12-month CRO lockup, and the 0% FX tier starts at a $50,000 stake. Its CRO payouts also change in value with the token. For eligible US applicants, Basic provides the lowest-cost way into the credit card's rewards program. Non-US readers and users avoiding credit need to assess the prepaid card separately. Fiat or USDC funding avoids the volatile-crypto conversion spread, while foreign spending can add fees at the lower tiers. A CRO stake also exposes the holder to price movements throughout the lockup.
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