CoinJar Card vs Crypto.com Visa Card
How does CoinJar 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. CoinJar Card and Crypto.com Visa Card are both crypto cards — here's how they differ. Key differences: network (CoinJar Card: Mastercard vs Crypto.com Visa Card: Visa); foreign-spend fee (CoinJar Card: 2.99%+ vs Crypto.com Visa Card: 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian)). Our provisional scoring rates Crypto.com Visa Card higher (7.3/10 vs 6.4/10), but the best pick depends on your country and how you spend.
| Feature | CoinJar Card | Crypto.com Visa Card |
|---|---|---|
| Our score | 6.4/10 | 7.3/10 |
| Type | Prepaid | Prepaid |
| Networks | Mastercard | Visa |
| Rewards | 1 CoinJar Rewards point per $1 spent; points cover future trades or redeemed in the CoinJar Rewards Store. Purchase fee (1%) is returned as Rewards points | 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 | 2.99%+ | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) |
| ATM fee | 1% (physical card only) | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier |
| KYC | — | Full |
| Custody | Custodial | Custodial |
| Supported coins | 60+ cryptocurrencies (per CoinJar platform; auto-converted crypto-to-fiat at point of sale) | Rewards paid in CRO |
| Availability | — | — |
| Apple / Google Pay | Yes | — |
When choosing between the CoinJar Card and the Crypto.com Visa Card, your decision will largely depend on your spending habits, preference for rewards, and willingness to engage with tiered systems or lock up cryptocurrency. Both cards offer unique benefits but cater to different types of users.
Choose CoinJar Card if…
- You want a straightforward rewards system: The CoinJar Card offers a simple 1% rewards return on all spending, which can be redeemed for future trades or in the CoinJar Rewards Store.
- You prefer not to lock up funds: Unlike the Crypto.com card, the CoinJar Card does not require you to stake or lock up any cryptocurrency to access its benefits.
- You value flexibility with payments: The CoinJar Card supports Apple Pay and Google Pay, and allows for automatic crypto-to-fiat conversion at the point of sale.
- You want to avoid monthly or annual fees: The CoinJar Card does not have an annual fee, making it a cost-effective option for those who do not want to pay for card maintenance.
Choose Crypto.com Visa Card if…
- You are interested in higher cashback rates: The Crypto.com card offers tiered rewards up to 4.5% back in CRO on spending, which can be appealing if you are a high spender.
- You are willing to stake CRO: To unlock the higher cashback tiers, you need to stake a significant amount of CRO, ranging from $500 to $500,000. This could be worthwhile if you are bullish on CRO and want to maximize your rewards.
- You spend heavily on everyday purchases: The tiered rewards structure benefits those who spend more, especially in the higher tiers, which offer no foreign transaction fees and higher cashback limits.
- You are comfortable with a more complex system: The Crypto.com card involves understanding tiered rewards, staking requirements, and varying fees based on your tier.
Bottom line
The CoinJar Card is ideal for users who prefer a simple, fee-free card with a straightforward rewards system and do not want to lock up funds. It is a great option for those who want to earn rewards on their everyday spending without the complexity of tiered systems. On the other hand, the Crypto.com Visa Card is best for those who are willing to engage with a tiered rewards structure and are comfortable staking CRO to unlock higher benefits. If you are a high spender and want to maximize your cashback, especially on non-USD transactions, the higher tiers of the Crypto.com card could be more rewarding. For more detailed comparisons, visit our how we rate page.