hi Card vs Crypto.com Visa Card
How does hi Card compare to Crypto.com Visa Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Crypto.com Visa Card · provisional, see how we rate
Quick answer. hi Card and Crypto.com Visa Card are both crypto cards — here's how they differ. Key differences: network (hi Card: Mastercard vs Crypto.com Visa Card: Visa). Our provisional scoring rates Crypto.com Visa Card higher (7.3/10 vs 6.6/10), but the best pick depends on your country and how you spend.
| Feature | hi Card | Crypto.com Visa Card |
|---|---|---|
| Our score | 6.6/10 | 7.3/10 |
| Type | Debit | Prepaid |
| Networks | Mastercard | Visa |
| Rewards | Spend Rewards paid in HI token, by membership tier — CURRENTLY SUSPENDED (HI, Crypto and Fiat Spend Rewards suspended until further notice) | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% |
| Annual fee | — | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake |
| FX fee | — | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) |
| ATM fee | — | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | 100+ cryptocurrencies to buy/sell; card funded from IBAN (EUR/GBP) or crypto holdings | Rewards paid in CRO |
| Availability | EEA countries and the UK | — |
| Apple / Google Pay | — | — |
When choosing between the hi Card and the Crypto.com Visa Card, it’s important to consider your spending habits, interest in cryptocurrency rewards, and willingness to meet specific requirements like staking or paying subscription fees. Both cards offer unique benefits but cater to different types of users.
Choose the hi Card if…
- You want a card with no annual fee: The hi Card does not have a published annual fee, making it a cost-effective option for those who prefer not to pay for card membership.
- You are interested in staking HI tokens: The hi Card offers the opportunity to earn Boosters up to 50% APY on crypto deposits through HI staking, which could be appealing if you are already invested in or interested in the HI token.
- You are based in the EEA or the UK: The hi Card is available in EEA countries and the UK, making it a suitable choice for residents of these regions.
- You prefer a debit card: The hi Card is a debit card, which might be more convenient for those who do not want to deal with the limitations of a prepaid card.
Choose the Crypto.com Visa Card if…
- You want tiered rewards based on spending: The Crypto.com Visa Card offers up to 4.5% back in CRO on spending, with different tiers that can suit various levels of spending. This is ideal for users who want to earn rewards on their everyday purchases.
- You are willing to stake CRO tokens: To unlock higher reward tiers, you need to stake CRO tokens. This could be beneficial if you are bullish on CRO and want to maximize your rewards.
- You are comfortable with a prepaid card: The Crypto.com Visa Card is a prepaid card, which might be preferable for those who want to manage their spending more closely.
- You are interested in a wide range of cryptocurrencies: While specific coin support is not detailed, Crypto.com is known for its extensive range of supported cryptocurrencies, which could be a plus if you trade multiple coins.
Bottom line
The choice between the hi Card and the Crypto.com Visa Card ultimately depends on your personal preferences and financial goals. If you prefer a card with no annual fee and are interested in staking HI tokens, the hi Card might be the better option. On the other hand, if you are looking for tiered rewards based on spending and are willing to stake CRO tokens, the Crypto.com Visa Card could be more suitable. For more detailed insights on how we rate these cards, visit our ratings page.