Overview
The Crypto.com Visa Card is a prepaid card offered by Crypto.com that aims to bridge the gap between traditional finance and the world of cryptocurrencies. With a tiered rewards system and multiple subscription options, this card caters to a wide range of users, from beginners to seasoned crypto enthusiasts. The card operates on the Visa network, ensuring broad acceptance and ease of use for everyday transactions. The card’s rewards are paid in CRO, Crypto.com’s native token, which adds an additional layer of utility for those already invested in the Crypto.com ecosystem.
For those interested in other cashback options, Crypto.com Visa Card is listed in our best cashback cards category.
How It Works
The Crypto.com Visa Card operates on a tiered system, with each tier offering different benefits and rewards. The tiers are as follows:
- Midnight Blue: This is the base tier, which is free to obtain. It offers no cashback on spending.
- Ruby Steel: Requires a $500 CRO stake or a monthly/annual subscription fee. It offers 1.5% cashback on spending up to $750 per month.
- Royal Indigo/Jade Green: Requires a $5,000 CRO stake or a monthly/annual subscription fee. It offers 2.5% cashback on spending up to $1,500 per month.
- Rose Gold/Icy White: Requires a $50,000 CRO stake. It offers 3.5% cashback on spending up to $3,000 per month, after which the cashback drops to 0.5%.
- Obsidian: Requires a $500,000 CRO stake. It offers 4.5% cashback on spending up to $5,000 per month, after which the cashback drops to 1%.
Higher tiers also come with additional benefits, such as no foreign transaction fees and higher monthly free ATM withdrawal limits. However, staking large amounts of CRO can be risky due to the volatility of cryptocurrencies, and users should be aware of the potential downsides.
Fees and Value
The Crypto.com Visa Card offers a range of fee structures depending on the tier. The Midnight Blue tier is free, making it accessible to all users. However, the Ruby Steel tier requires a $4.99 monthly fee or a $49.90 annual fee, or a $500 CRO stake. The Royal Indigo tier increases the monthly fee to $29.99 or $299.90 annually, or requires a $5,000 CRO stake. Higher tiers require even larger CRO stakes, which can be a significant investment.
Foreign transaction fees are set at 3% for the lower three tiers, which can add up for frequent international travelers. However, the Rose Gold, Icy White, and Obsidian tiers offer no foreign transaction fees, making them more attractive for global users. ATM withdrawal fees are 2% on amounts above the monthly free limit, which ranges from $200 to $1,000 depending on the tier.
It’s important to note that inactivity fees are also applicable. After 12 months of no activity, a $4.95 monthly fee is charged, which will increase to $5.95 from September 1, 2026. This fee underscores the importance of regular usage to maximize the card’s value.
Who It’s For
The Crypto.com Visa Card is best suited for users who are already invested in the Crypto.com ecosystem and are comfortable with the risks associated with cryptocurrency investments. The tiered rewards system and additional benefits make it attractive for frequent spenders and those who can afford the higher CRO stakes for better rewards and lower fees. However, users should be aware of the potential volatility of CRO and the risks involved in staking large amounts of cryptocurrency.
For those who prioritize cashback and are willing to navigate the complexities of cryptocurrency, this card offers a unique value proposition. But for those seeking simplicity and lower risk, other traditional cashback cards might be more appropriate.
VERDICT:
The Crypto.com Visa Card offers competitive cashback and benefits for crypto-savvy users but requires careful consideration of CRO staking risks and fee structures.
Fees & costs
| Fee | Amount |
|---|---|
| Annual / issuance | 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 / spend fee | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) |
| ATM withdrawal | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier |
| Top-up / load | Debit card 1%; credit card 2.99%; PayPal 2.1% |
| Staking / lockup | Stake/lock CRO to unlock tiers: Ruby $500, Royal Indigo $5,000, Rose Gold/Obsidian $50,000-$500,000 (or pay monthly/annual subscription for lower tiers) |
Pros & cons
Pros
- No FX fee on Rose Gold / Icy White / Obsidian tiers (official fees page)
- Tiered CRO cashback up to 4.5% on everyday spending
- Base Midnight Blue tier is free to obtain
Cons
- Higher cashback tiers require large CRO lockups ($500 up to $500,000) or paid subscriptions
- 3% foreign-transaction fee on the lower three tiers
- US$4.95/mo inactivity fee after 12 months of no activity (rising to $5.95 from 1 Sep 2026)
Supported crypto
Coins: