Crypto.com Visa Card Review (2026)

The Crypto.com Visa Card earns 0-8% CRO cashback on a Visa debit card with a $0 (subscription $4.99-$29.99/mo) fee, available in 90+ countries.

Reviewed by Card Pilled Editorial · Last verified 2026-06-19

Key Facts

Cashback
0-8% CRO
Annual Fee
$0 (subscription $4.99-$29.99/mo)
Region
90+ countries
Type
Debit
Network
Visa
KYC
full
Mobile Pay
Apple Pay, Google Pay, Samsung Pay

Overview

Crypto.com is a Singapore-based cryptocurrency exchange and financial services platform operated by Foris DAX Asia, originally founded in 2016 as Monaco and rebranded to Crypto.com in 2018. The company holds a Major Payment Institution licence from the Monetary Authority of Singapore and operates regulated entities across multiple jurisdictions.

The Crypto.com Visa Card is a crypto debit card offered by Crypto.com, available in 90+ countries. It offers 0-8% CRO cashback across 5 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at $0 (subscription $4.99-$29.99/mo).

Best suited for reward-focused spenders willing to optimize for cashback. Note that monthly cashback caps apply and the card is not available in the US. It runs on the Visa network and requires full identity verification.

Fees & Costs

Conversion Fee
~1-2%
FX Fee
0% (higher tiers)
ATM Withdrawal
Free (Plus+), varies by tier
Inactivity Fee
EUR 5/mo after 12 months inactive

Cost & Returns

On $500/mo spend, the estimated monthly cost breakdown for Crypto.com Visa Card is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 1.5% of spend. After $0.00/mo cashback that is still a net cost of about $7.50/mo ($90.00/yr). Crypto.com Visa Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.

Cashback Tiers

Crypto.com Visa Card cashback tiers and requirements
TierRateRequirement
Basic0%Free, no CRO lockup
Plus2%$4.99/mo or $49.90/yr OR $500 CRO lockup
Pro3%$29.99/mo or $299.90/yr OR $5,000 CRO lockup
Private5%$50,000 or $500,000 CRO lockup (no subscription)
Prime8%$1,000,000 CRO lockup (no subscription), uncapped

Pros

Cons

Note: NOT available in US (separate US credit card exists). 'Level Up' program replaced old card tiers Sept 2025. Subscription OR CRO lockup for benefits. Monthly caps: Plus $1,250, Pro $2,500, Private/Prime uncapped. Spotify/Netflix rebates remain. Prime tier added 2026 with 8% CRO back.

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FAQ

What is the Crypto.com Visa Card?

The Crypto.com Visa Card is a crypto debit card offered by Crypto.com. It is available in 90+ countries and allows users to spend cryptocurrency at merchants worldwide.

How much cashback does the Crypto.com Visa Card offer?

The Crypto.com Visa Card offers 0-8% CRO cashback. There are 5 tiers: Basic (0%), Plus (2%), Pro (3%), Private (5%), Prime (8%).

What are the fees for the Crypto.com Visa Card?

The Crypto.com Visa Card has an annual fee of $0 (subscription $4.99-$29.99/mo). Additional fees: Conversion fee: ~1-2%; FX fee: 0% (higher tiers); ATM: Free (Plus+), varies by tier; Inactivity: EUR 5/mo after 12 months inactive.

Where is the Crypto.com Visa Card available?

The Crypto.com Visa Card is available in 90+ countries. Its availability status is "Global". It is NOT available in the United States.

Is the Crypto.com Visa Card a credit or debit card?

The Crypto.com Visa Card is a debit card. You need to load cryptocurrency onto the card before making purchases.

Does the Crypto.com Visa Card support Apple Pay or Google Pay?

Yes, the Crypto.com Visa Card supports Apple Pay and Google Pay and Samsung Pay for contactless payments.

Visit Crypto.com

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.