Crypto.com · Prepaid
Crypto.com Visa Card review
A top-up prepaid Visa card that pays tiered CRO cashback (up to 4.5% on spending), with benefits scaling by CRO stake or subscription tier.
Quick answer. Crypto.com Visa Card is a prepaid crypto card on Visa from Crypto.com. Rewards: 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/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; 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) on foreign spend. Funds are custodial; it supports Rewards paid in CRO. Availability varies by region — confirm with the issuer.
Key takeaways
- Network & type: Prepaid · Visa
- Rewards: 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 / spend fee: 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian)
- Custody: Custodial
- Coins: Rewards paid in CRO
Our rating, explained
Every card is scored on the same six factors — the weighting shows how much each counts toward the overall (provisional) score. How we rate →
Who it's for
Choose it if…
- You want no annual or monthly fee
- You spend enough for cashback to add up
- You spend abroad and want low FX fees
Look elsewhere if…
- You want to avoid identity verification (KYC)
- You insist on holding your own keys (this card is custodial)
How it compares to the field
Put in context against all 67 crypto cards we track and verify.
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. It offers a tiered rewards system, with cashback on spending in the form of CRO, the platform’s native token. The card is available in six tiers: Midnight Blue, Ruby Steel, Royal Indigo, Rose Gold, Icy White, and Obsidian. Each tier comes with different benefits and requirements, making it suitable for a range of users from beginners to high-volume crypto enthusiasts.
How it works
The Crypto.com Visa Card operates on the Visa network, ensuring wide acceptance for everyday transactions. Users can earn CRO rewards on their spending, with the percentage varying by tier:
- Midnight Blue: 0% cashback, making it a straightforward entry-level option.
- Ruby Steel: 1.5% cashback on spending up to $750 per month.
- Royal Indigo: 2.5% cashback on spending up to $1,500 per month.
- Rose Gold: 3.5% cashback on spending up to $3,000 per month, then 0.5% thereafter.
- Obsidian: 4.5% cashback on spending up to $5,000 per month, then 1% thereafter.
To unlock the higher cashback tiers, users must stake a significant amount of CRO. For example, Ruby Steel requires a $500 stake, while Royal Indigo requires $5,000. The top tiers, Rose Gold and Obsidian, require stakes ranging from $50,000 to $500,000. Alternatively, users can opt for a monthly or annual subscription for the lower tiers, but this incurs additional costs.
Fees and value
The Crypto.com Visa Card offers a mix of fee structures depending on the tier. The Midnight Blue tier is free to obtain, making it accessible for beginners. However, it comes with a 3% foreign transaction fee and a 2% fee on ATM withdrawals above the monthly free limit of $200. The Ruby Steel and Royal Indigo tiers also incur a 3% foreign transaction fee but offer higher ATM withdrawal limits of $400 and $800, respectively.
For those willing to stake higher amounts of CRO, the Rose Gold, Icy White, and Obsidian tiers waive the foreign transaction fee, providing significant savings for international travelers. These tiers also offer higher ATM withdrawal limits of $1,000 per month. It’s important to note that all tiers incur a 1% fee for debit card top-ups and a 2.99% fee for credit card top-ups.
Additionally, users should be aware of the inactivity fee of $4.95 per month after 12 months of no activity, which will increase to $5.95 from September 1, 2026. This fee underscores the importance of regular card usage to maximize value.
Who it’s for
The Crypto.com Visa Card is ideal for users who are already invested in the Crypto.com ecosystem and are comfortable with staking CRO. The tiered rewards system makes it attractive for those who can meet the staking requirements, as higher tiers offer substantial cashback on everyday spending. However, the high CRO stakes required for the top tiers may be a barrier for casual users or those new to cryptocurrencies.
For international travelers, the no foreign transaction fee on higher tiers is a significant advantage. Conversely, users who prefer not to stake large amounts of CRO or who are not frequent spenders may find the lower tiers less rewarding due to the 3% foreign transaction fee and lower cashback rates.
Overall, the Crypto.com Visa Card is a versatile option for those who can leverage its tiered rewards and staking benefits. However, potential users should carefully consider the staking requirements and fee structures to ensure the card aligns with their financial habits and goals.
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:
Our take
The Crypto.com Visa Card offers attractive cashback rewards and fee structures for users willing to stake CRO, but its value diminishes for those who cannot meet higher tier requirements.