The Crypto.com US Credit Card earns 1.5-6% CRO cashback on a Visa credit card with no annual fee, available in US (49 states, excl. NY).
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 US Credit Card is a crypto credit card offered by Crypto.com, available in US (49 states, excl. NY). It offers 1.5-6% CRO cashback across 5 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. 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. Compare more options in our best crypto cards in the US guide. See where it ranks among the best crypto credit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Midnight (Basic) | 1.5% | Free, no CRO lockup |
| Ruby Steel (Plus) | 3.5% | $4.99/mo or $49.90/yr OR $500 CRO 12-month lockup |
| Jade/Indigo (Pro) | 4.5% | $29.99/mo or $299.90/yr OR $5,000 CRO 12-month lockup |
| Icy/Rose (Private) | 5% | $50,000 CRO 12-month lockup (no subscription option); CRO rewards uncapped, or a BTC reward option capped at $5,000 of spend each calendar month |
| Obsidian (Private) | 6% | $500,000 CRO 12-month lockup (no subscription option); CRO rewards uncapped, or a BTC reward option paying 6% on the first $10,000 of spend each calendar month, then 2% |
On $500/mo spend, the estimated monthly cost breakdown for Crypto.com US Credit Card is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $4.00/mo cashback that nets a gain of about $4.00/mo ($48.00/yr). Crypto.com US Credit Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. This card bills in USD. Spending in another currency adds a 3% FX fee; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: US-specific true credit card via Bread Financial (Visa Signature). Separate from global prepaid debit card. Uncapped CRO rewards. Level Up program (Sept 2, 2025 revamp) with lifestyle perks (Spotify, Netflix). Welcome bonus up to $300. Icy/Rose pays a flat 5% and Obsidian a flat 6%; the official pages state no first-year versus ongoing split. BTC reward option (toggleable with CRO): Basic 1.5% on the first $250/mo then 1%; Plus 3.5% on the first $500/mo then 2%; Pro 4.5% on the first $1,000/mo then 2%; Icy/Rose 5% on the first $5,000/mo then 2%; Obsidian 6% on the first $10,000/mo then 2%. CRO rewards remain uncapped at every tier. The Comenity cardholder agreement sets purchase APR at 17.49%, 25.49% or 31.49% based on creditworthiness, a 3% foreign transaction fee and no annual fee, and lists no inactivity fee. Neither the card page nor the agreement states the New York exclusion recorded in the region; it is unverified.
Other crypto cards in the same region or category that may suit your spending profile:
The Crypto.com US Credit Card is a crypto credit card offered by Crypto.com. It is available in US (49 states, excl. NY) and allows users to spend cryptocurrency at merchants worldwide.
The Crypto.com US Credit Card offers 1.5-6% CRO cashback. There are 5 tiers: Midnight (Basic) (1.5%), Ruby Steel (Plus) (3.5%), Jade/Indigo (Pro) (4.5%), Icy/Rose (Private) (5%), Obsidian (Private) (6%).
The Crypto.com US Credit Card has an annual fee of $0. Additional fees: FX fee: 3% of the transaction in US dollars.
Yes. The Crypto.com US Credit 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 US Credit Card is available in US (49 states, excl. NY).
The Crypto.com US Credit Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Crypto.com US Credit Card supports Apple Pay and Google Pay and Samsung Pay for contactless payments.
The Crypto.com US Credit Card is issued by Comenity Capital Bank.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.