Crypto.com Card scores higher overall (6.8 vs 5.6 on our preliminary scale), but Bitpanda Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Head-to-head
| Feature | Bitpanda | Crypto.com | Better |
|---|---|---|---|
| Cashback without staking | 1% | 0% | Bitpanda |
| Best cashback | Up to 1% | Up to 4.5% | Crypto.com |
| Issuance fee | Free | €4.99 | Bitpanda |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | 0% | 2% | Bitpanda |
| Available in US | Not available | Available | Crypto.com |
| Available in UK | Not available | Available | Crypto.com |
| Available in EEA | With restrictions | Available | Crypto.com |
| Network | Visasource | Not verified | — |
| Card type | Debit | Prepaid | — |
| Staking or paid plan for best rate | No | Yes | — |
| Top-up | Not verified | Free from Crypto Wallet / Cash Account; 1% by debit/credit cardsource | — |
| Free ATM per month | None; ATM fee 2% or €2, whichever is highersource | €200 (Midnight) / €400 (Ruby) / €800 (Jade, Indigo, Icy, Rose) / €1,000 (Obsidian), then 2%source | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
Bitpanda Card: entry-tier cashback 1%source, best rate Up to 1%source, paid in The same cryptocurrency used for the purchasesource.
Crypto.com Card: entry-tier cashback 0%source, best rate Up to 4.5%source, paid in CROsource. The best rate needs a token stake, holding or paid plan.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| Bitpanda Card | $120 | −$0 | −$0 | $120 |
| Crypto.com Card | $0 | −$48 | −$0 | −$48 |
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
| Region | Bitpanda | Crypto.com |
|---|---|---|
| US | Not available | Available |
| UK | Not available | Available |
| EEA | With restrictions | Available |
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose Bitpanda Card if…
- You want cashback without staking — 1% on the entry tier versus 0%.
- You often pay in foreign currencies — the entry-tier FX fee is 0% versus 2%.
- You want to keep fixed card fees as low as possible.
- You are looking for a card for euro-area residents who spend crypto they hold on Bitpanda.
Choose Crypto.com Card if…
- You can reach the top tier: the best advertised rate is 4.5%.
- You live in the US, where Crypto.com Card can be issued and Bitpanda Card is not offered.
- You live in the UK, where Crypto.com Card can be issued and Bitpanda Card is not offered.
- You live in the EEA, where Crypto.com Card can be issued and Bitpanda Card has restrictions.
FAQ
Which is better, Bitpanda Card or Crypto.com Card?
Crypto.com Card scores higher overall (6.8 vs 5.6 on our preliminary scale), but Bitpanda Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Can I get Bitpanda Card or Crypto.com Card in the US?
Bitpanda Card: Not available. Crypto.com Card: Available. Availability can change; check the issuer’s site before applying.