Worth it if you already hold CRO or will pay for a mid-tier subscription and spend enough to beat the fee. On the free tier it pays nothing back, so a no-fee card with base cashback is the better default for most people.
Score breakdown
How we read the terms: Entry tier (Midnight Blue), EEA terms: no monthly fee, €4.99 issuance, 2% FX outside the EU/UK.
Preliminary score: criteria marked “Not scored” are left out and their weight is shared among the rest. How scores are calculated.
Pros
- Widest tier range of the cards we track, up to 4.5% back on the top tier
- Available in the US, UK and EEA under separate fee schedules
- Works with Apple Pay, Google Pay and Samsung Pay
- Free monthly ATM allowance on every tier
Cons
- No cashback at all on the free tier
- The top rate needs a €450,000 CRO stake locked for 12 months
- Cashback is paid in CRO, so its value moves with the token
- Crypto.com’s own pages disagree on whether the EEA card is Visa or Mastercard
Overview
The card is a prepaid card topped up from your Crypto.com app balance. Crypto is converted to fiat when you top up or pay, and rewards come back in CRO.
Tiers map to Crypto.com’s Level Up plans: the two middle tiers can be unlocked with a monthly subscription or a CRO stake, while the two highest tiers are stake-only.
From 1 October 2026 the EEA fee schedule charges 0.2% FX within the EU and UK and up to 2% outside, depending on tier.
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Card tierssource
| Tier | Stake | Subscription | Cashback | Notes |
|---|---|---|---|---|
| Midnight Blue | None | Free | 0% | €200/mo free ATM |
| Ruby Steel | €450 12-month CRO staking (alternative to subscription) | €3.99/month or €39.90/year | 1.5% | Cashback up to USD 750/mo; €400/mo free ATM |
| Royal Indigo / Jade Green | €4,500 12-month CRO staking (alternative to subscription) | €24.99/month or €249.90/year | 2.5% | Cashback up to USD 1,500/mo; €800/mo free ATM |
| Icy White / Rose Gold | €45,000 12-month CRO staking | Stake only | 3.5% | Cashback up to USD 3,000/mo, then 0.5%; €800/mo free ATM |
| Obsidian | €450,000 12-month CRO staking | Stake only | 4.5% | Cashback up to USD 5,000/mo, then 1%; €1,000/mo free ATM |
Region: EEA.
Fees and limits
- Card issuance (EEA)
- €4.99 (Midnight); €24.99 (Ruby, waived for annual / 6+ month subscribers); other tiers not statedsource
- Monthly fee (EEA)
- None for card itself; tier unlock via Level Up subscription €0 / €3.99 / €24.99 per month (or CRO stake)source
- FX fee (EEA)
- 0.2% within EU/UK; outside EU/UK 2% (Midnight), 0% up to €400/mo then 2% (Ruby), 0% up to €800/mo then 2% (Jade/Indigo), 0% higher tierssource
- Top-up (EEA)
- Free from Crypto Wallet / Cash Account; 1% by debit/credit cardsource
- Free ATM per month (EEA)
- €200 (Midnight) / €400 (Ruby) / €800 (Jade, Indigo, Icy, Rose) / €1,000 (Obsidian), then 2%source
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
Entry tier, €1,000 a month of everyday spending in the card’s currency, first year, compared with a plain 2% cash-back card. Only the verified figures above are used.
- Cashback earned
- €0
- Card fees (issuance + 12 × monthly)
- −€4.99
- Net value, year one
- €−4.99
- Plain 2% cash-back card
- €240
At this spend, a plain 2% cash-back card earns €244.99 more. Higher tiers pay more, but may need staking, a balance or a paid plan — see the tiers above.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Available | “Crypto.com Prepaid Visa Card Fees and Limits (United States), updated 1 Sep 2026”source |
| UK | Available | “Crypto.com Prepaid Visa Card Fees and Limits (United Kingdom); ForisGFS UK Limited, an EMI”source |
| EEA | Available | “Fees and Limits (Europe) - applicable to Europe residential address users only”source |
By country
Other regions listed by the issuer: EEA, UK, US, Singapore, Brazil/select LATAMsource. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Create an accountDownload the Crypto.com app and sign up.
- 2Pass verificationUpload an ID document and a selfie (KYC). Some regions also ask for proof of address.
- 3Order the cardChoose a virtual card to start right away, or order a physical card where offered.
- 4Fund and spendMove crypto or stablecoins to the balance the card spends from and add it to your mobile wallet.
Crypto.com Card: common questions
Does the free Crypto.com card pay cashback?
No. The free Midnight Blue tier pays 0% according to Crypto.com’s EEA card page. Cashback starts on the Ruby Steel tier, which needs a subscription or a CRO stake.
Is the Crypto.com card Visa or Mastercard?
Crypto.com’s own EEA pages currently disagree: the FAQ calls it a prepaid Mastercard, while the fee article says Visa. We show the network as not verified until the issuer’s documents agree.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.