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.
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 6 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.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Browse all our regional card guides. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Basic | 0% | Free, no CRO lockup |
| Plus | 2% | $4.99/mo or $49.90/yr OR $500 CRO lockup |
| Pro | 3% | $29.99/mo or $299.90/yr OR $5,000 CRO lockup |
| Private ($50K) | 4% | $50,000 CRO lockup (no subscription), uncapped |
| Private ($500K) | 5% | $500,000 CRO lockup (no subscription), uncapped |
| Prime | 8% | $1,000,000 CRO lockup (no subscription), uncapped |
The personal transfer details belong to the separate Crypto.com EUR Account (residents of 31 listed European countries), not to the card itself, which has no bank account attached. Deposits are accepted from own-name bank accounts only; third-party transfers are rejected.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
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.
The global Crypto.com Prepaid Visa now only rewards you if you pay for it. Under the Level Up structure in effect for cards issued from 2 September 2025, the free Basic tier earns nothing, and card rewards require either a paid subscription or a CRO lockup: Plus at 2%, Pro at 3%, Private at up to 5%. The caps are as important as the rates: only $1,250 of monthly spend earns rewards on Plus and $2,500 on Pro, with just the Private tiers ($50k to $500k CRO locked for 12 months) uncapped. A casual user who neither subscribes nor stakes gets a plain prepaid card, full stop.
What the rewards are paid in matters as much as the percentage. All cashback comes as CRO, a volatile exchange token, so the realized value of a nominal "5% back" moves with the market, and locking five or six figures of CRO for a year to unlock a tier adds price risk that can swamp the rebate. The program's history also argues against counting on any given rate: Crypto.com gutted its legacy card rewards in June 2022 to widespread user dismay, and on 2 November 2025 it removed the last non-staking legacy rebates for older Icy/Rose and Obsidian cards. The rate you sign up for is not one you can assume you will keep.
Who it actually suits: a disciplined, higher-volume spender in a supported country who already holds CRO or values the paid-tier perks enough to cover the subscription, such as Pro's six months of Spotify and Netflix rebates (up to $13.99/month each) and four airport lounge entries a year. For everyone else the math has collapsed; a no-fee flat-rate or self-custodial competitor usually wins. Factor in the support reputation too: reviewers document slow ticket resolution, account locks, 24-72 hour withdrawal holds, and no phone escalation path.
Across third-party reviews the two most consistent card-adjacent complaints are support quality and reward erosion. Coin Bureau's assessment documents significant lags in chat and ticket support, frequent account locks and 24-72 hour withdrawal holds after KYC or transfers, no phone support line, and a Trustpilot rating around 2.0/5 that contrasts sharply with the app-store scores [1]. On rewards, the June 2022 cuts drew vocal dismay from cardholders ("this was the only reason I was using their card") and knocked CRO down 17% on announcement day [2], and 2026 coverage of the Level Up overhaul frames it as the end of the free-rewards era, with users who neither subscribe nor stake earning 0% and 12-month CRO lockups exposing tier buyers to token price risk [3]. Direct Reddit and Trustpilot threads were not independently fetchable, so these themes rest on the cited reviews that summarize them.
Updated 2026-07-06
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 eligible spend, Pro $2,500 eligible spend, Private/Prime uncapped. Spotify/Netflix rebates remain. Prime tier added 2026 with 8% CRO back. Private tiers also earn staking yield on locked CRO (8.5% for $50K, 9.5% for $500K). SINGAPORE: cardholders with a Singapore residential address can withdraw cash at overseas ATMs only; ATM withdrawals within Singapore are not permitted. Free overseas ATM allowance starts at S$200/mo (Midnight).
Other crypto cards in the same region or category that may suit your spending profile:
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.
The Crypto.com Visa Card offers 0-8% CRO cashback. There are 6 tiers: Basic (0%), Plus (2%), Pro (3%), Private ($50K) (4%), Private ($500K) (5%), Prime (8%).
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; Top-up: 1% (debit/credit card top-up, Europe); Inactivity: EUR 5/mo after 12 months inactive.
The Crypto.com Visa Card has the following limits: daily ATM withdrawal limit: EUR 2,000 (Europe; free monthly allowance EUR 200-1,000 by tier, 2% fee above). Limits can vary by account tier and verification level.
Top-up methods include Crypto wallet (converted to fiat at top-up; crypto cannot be held on the card), Fiat cash account, Credit/debit card.
Yes. The Crypto.com Visa Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Crypto.com Visa Card is available in 90+ countries. It is NOT available in the United States.
The Crypto.com Visa Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Crypto.com Visa Card supports Apple Pay and Google Pay and Samsung Pay for contactless payments.
The Crypto.com Visa Card is issued by Foris MT Limited (Malta, C90348). Licences: EMI (Financial Institution Licence, e-money and payment services) (Malta Financial Services Authority, EEA).
Yes, the Crypto.com platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: no; transfer limits: SEPA in: up to EUR 1,000,000 per transfer; SEPA out: EUR 100,000/day, EUR 500,000/mo (EUR 1 fee per withdrawal). The personal transfer details belong to the separate Crypto.com EUR Account (residents of 31 listed European countries), not to the card itself, which has no bank account attached. Deposits are accepted from own-name bank accounts only; third-party transfers are rejected.
Card wallet funds are held by Foris MT Limited and safeguarded in a ring-fenced pooled account, segregated from the issuer's own accounts, at its custodian bank (per the EEA cardholder agreement).
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