The Crypto.com US Credit Card earns 1.5-6.5% 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 1.5-6.5% 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.
On $500/mo spend, the estimated monthly cost breakdown for Crypto.com US Credit Card is: gas $0.00, conversion spread $0.00, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $8.00/mo cashback that nets a gain of about $8.00/mo ($96.00/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. Figures are conservative estimates and vary with conditions.
| 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 (5% first year, 4% ongoing; no subscription option) |
| Obsidian (Private) | 5% | $500,000 CRO 12-month lockup (6.5% first year, 5% ongoing; no subscription option) |
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: 5% intro first 12 months, then 4% ongoing. Obsidian: 6.5% intro first 12 months, then 5% ongoing.
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 1.5-6.5% 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) (5%).
The Crypto.com US Credit Card has an annual fee of $0. Additional fees: Inactivity: $4.95/mo after 12 months.
The Crypto.com US Credit Card is available in US (49 states, excl. NY). Its availability status is "US".
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.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.