Crypto.com Visa Card
Issued by Crypto.com on the network
- KYC required
- 5% cashback
- Custodial
- Virtual
- Physical
A five-tier prepaid card where the top 5% cashback rate and permanent subscription rebates come from locking up CRO — the more you lock, the higher the tier — rather than from spending alone.
Verdict
A five-tier prepaid card built around locking up CRO rather than earning it — free at the entry Midnight Blue tier, scaling to 5% cashback and permanent Netflix, Spotify and Truth+ rebates at the $500,000 Obsidian tier. The realistic tier for most people is Ruby Steel ($500 CRO lockup, or $4.99/month if you'd rather not lock anything up), which pays 2%. Unlike Bybit or Binance, most of the meaningful perks here sit behind either a real subscription fee or a five- or six-figure CRO lockup, so the ceiling is higher but far less accessible.
- Best for: CRO holders willing to lock a meaningful balance for tier perks, or anyone happy paying a flat monthly fee for a mid-tier rate
- Less suited to: Anyone who wants a top cashback rate without staking or a subscription — the free tier pays 0%
At a glance
- Five tiers from free Midnight Blue to $500,000-lockup Obsidian
- CRO rewards scale from 0% (free tier) to 5% (Obsidian) on everyday spending
- Ruby Steel ($4.99/mo or a $500 CRO lockup) is the realistic entry point at 2%
- Higher tiers add permanent Netflix, Spotify and Truth+ subscription rebates
- No fixed card fee — cost comes from the subscription or CRO lockup per tier, not the card itself
Who can get it
Crypto.com issues this prepaid card through different regulated entities by region — Community Federal Savings Bank in the US, Foris Asia in Singapore, Digital Commerce Bank in Canada, Foris GFS Australia, ForisGFS UK, and Foris MT (Malta) for the EU/EEA. Full identity verification is required everywhere it operates; availability and exact terms vary by country, so confirm in the app before applying.
How it works
- Download the Crypto.com App and verify your identity.
- Choose a tier: stay on free Midnight Blue, pay a monthly or annual subscription, or lock up CRO for 12 months to unlock a higher tier.
- Top up your balance and spend — crypto loaded is converted to your local currency; the prepaid card itself cannot hold crypto directly.
Strengths and trade-offs
Strengths
- Legitimate 5% top-tier cashback rate, competitive with any exchange card
- Permanent Netflix, Spotify and Truth+ rebates at the two highest tiers
- One of the most widely recognized crypto card brands, issued locally in most major regions
- No credit check — this is the prepaid card, not Crypto.com's separate US credit card
- Airport lounge access from Jade Green/Royal Indigo upward
Trade-offs
- Free tier earns 0% cashback — a subscription or CRO lockup is required to earn anything
- The realistic 2% tier still costs $4.99/month or a $500 CRO lockup
- The top 5% rate requires a $500,000 CRO lockup, out of reach for nearly everyone
- CRO lockups run 12 months; unlocking early forfeits the tier
- Custodial — Crypto.com (or its regional entity) holds the balance behind the card
| Issuer | Crypto.com |
|---|---|
| Card network | |
| Card type | Virtual, Physical |
| KYC requirement | Full identity verification required |
| Cashback | 0%–5% CRO rewards across five tiers, free at entry |
| Annual fee | Free (Ruby Steel and above require a subscription or CRO lockup) |
| Custody model | Custodial |
| Supported assets | BTC, ETH, CRO, USDC |
Every figure above was checked against Crypto.com's own card page on 2026-08-15. Terms, fees and rewards change frequently — confirm current details directly with the issuer before applying. We publish no star ratings of our own and take no payment for placement. This is not financial advice.
Common questions about the Crypto.com Visa Card
Is the Crypto.com card a credit or prepaid card?
This review covers the prepaid Crypto.com Visa Card, funded from your Crypto.com App balance. Crypto.com separately offers a US-only Visa Signature credit card issued by Comenity Capital Bank, which requires credit approval and works very differently — check which product you're looking at before applying.
What is CRO and why does it matter for this card?
CRO is Crypto.com's own token. Higher card tiers are unlocked either by locking CRO for 12 months or by paying a flat monthly or annual subscription instead — you don't have to hold CRO to reach a mid-tier rate.
What's the free tier's cashback rate?
Midnight Blue, the no-cost entry tier, pays 0% CRO rewards on everyday spending. Ruby Steel — a $4.99/month subscription, $49.90/year, or a $500 12-month CRO lockup — is the cheapest way to start earning cashback.
Can I load crypto directly onto the card?
No. Crypto.com's prepaid card cannot hold cryptocurrency directly — balances are converted to your local currency before spending.
Does the card include subscription rebates?
Yes, from Jade Green/Royal Indigo upward: six months of Spotify, Netflix and Truth+ rebates at that tier, becoming permanent at Icy White/Rose Gold and Obsidian.