Bitso Card vs Crypto.com Visa Card
How does Bitso 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. Bitso Card and Crypto.com Visa Card are both crypto cards — here's how they differ. Key differences: network (Bitso Card: Mastercard vs Crypto.com Visa Card: Visa). Our provisional scoring rates Crypto.com Visa Card higher (7.3/10 vs 6.2/10), but the best pick depends on your country and how you spend.
| Feature | Bitso Card | Crypto.com Visa Card |
|---|---|---|
| Our score | 6.2/10 | 7.3/10 |
| Type | Debit | Prepaid |
| Networks | Mastercard | Visa |
| Rewards | Cashback paid in bitcoin on each purchase; BTC fractions accrue in Bitso+ over time | 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 | Spends MXN fiat balance; cashback paid in Bitcoin (BTC) | Rewards paid in CRO |
| Availability | Mexico | — |
| Apple / Google Pay | — | — |
Choosing between the Bitso Card and the Crypto.com Visa Card depends on your specific needs and circumstances. Both cards offer unique benefits and drawbacks, so let’s break down which might be the better fit for you.
Choose Bitso Card if…
- You are a resident of Mexico: The Bitso Card is specifically available to legal residents of Mexico, making it a straightforward choice if you reside there.
- You prefer cashback in Bitcoin: The Bitso Card offers cashback in Bitcoin (BTC) on every purchase, which is a great option if you want to accumulate BTC over time.
- You want a simple, straightforward card: The Bitso Card is a debit card that spends from your MXN fiat balance, which might be simpler for those who prefer not to deal with multiple cryptocurrencies or staking requirements.
- You value backing by a regulated exchange: Bitso is a well-established, regulated exchange in Latin America, which might provide peace of mind for users concerned about regulatory compliance and security.
Choose Crypto.com Visa Card if…
- You are interested in higher cashback rates: The Crypto.com Visa Card offers tiered cashback rates up to 4.5% in CRO, which can be significantly higher than the cashback offered by the Bitso Card, depending on your spending habits and tier.
- You are willing to stake CRO: To unlock higher cashback tiers, you need to stake CRO. If you are comfortable with this and believe in the potential of CRO, this card could be more rewarding.
- You want a card with no foreign transaction fees on higher tiers: The Rose Gold, Icy White, and Obsidian tiers of the Crypto.com Visa Card offer no foreign transaction fees, which is beneficial for frequent international travelers.
- You are comfortable with a prepaid card model: The Crypto.com Visa Card is a prepaid card, which might suit those who prefer to manage their spending through preloaded funds.
Bottom line
Ultimately, the choice between the Bitso Card and the Crypto.com Visa Card hinges on your geographic location, spending habits, and willingness to engage with staking and different reward structures. If you are a Mexican resident looking for a simple way to earn Bitcoin cashback, the Bitso Card is a solid choice. However, if you are comfortable with staking CRO and seeking higher cashback rates and additional benefits like no foreign transaction fees, the Crypto.com Visa Card might be more appealing. For more detailed comparisons, you can check out our rating methodology.