Crypto.com Visa Card vs OKX Card
How does Crypto.com Visa Card compare to OKX Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: OKX Card · provisional, see how we rate
| Feature | Crypto.com Visa Card | OKX Card |
|---|---|---|
| Our score | 7.3/10 | 8.3/10 |
| Type | Prepaid | Virtual |
| Networks | Visa | Mastercard (EEA); Visa/Mastercard by region |
| 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% | Up to 20% cashback in USDG on USDG purchases during launch (capped, tier-based); ongoing cashback rate depends on OKX VIP level with monthly limits |
| 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 | $0 (no issuance, monthly, annual or inactivity fees) |
| FX fee | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) | None charged by OKX; 0.1% market spread on stablecoin-to-fiat conversion |
| 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 | Rewards paid in CRO | USDC, USDG (EEA payment currencies) |
| Availability | — | EU + Norway (excludes Iceland & Liechtenstein) for the EEA card; other regional variants exist |
| Apple / Google Pay | — | Yes |
When comparing the Crypto.com Visa Card and the OKX Card, the choice largely depends on your specific needs and preferences. Both cards offer unique benefits and cater to different types of users. Here’s a breakdown to help you decide which one might be the best fit for you.
Choose Crypto.com Visa Card if…
- You want tiered cashback rewards: The Crypto.com Visa Card offers up to 4.5% back in CRO on everyday spending, with different tiers based on your CRO stake or subscription level. This can be appealing if you’re looking to maximize cashback on your regular purchases.
- You’re interested in staking CRO: If you’re already invested in CRO or are willing to stake it, you can unlock higher cashback tiers and additional benefits. This can be a good option if you believe in the long-term value of CRO.
- You prefer a physical card: The Crypto.com Visa Card offers a physical card, which can be more convenient for in-person transactions compared to a virtual-only card.
- You want options for lower tiers: The base Midnight Blue tier is free to obtain, making it accessible for users who don’t want to commit to a large CRO stake or subscription.
Choose OKX Card if…
- You want a fee-free card: The OKX Card has no issuance, monthly, annual, or inactivity fees, making it a cost-effective option for users who want to avoid these types of charges.
- You’re interested in stablecoin spending: The OKX Card allows you to spend stablecoins like USDC and USDG, which are automatically converted to fiat at the point of purchase. This can be beneficial if you hold or trade stablecoins.
- You’re looking for high launch cashback: The card offers up to 20% cashback in USDG on USDG purchases during its launch period, which can be a significant benefit if you’re an early adopter.
- You prefer a virtual card: The EEA version of the OKX Card is virtual-only, which can be convenient for users who prefer digital wallets like Apple Pay or Google Pay.
- You want to avoid foreign transaction fees: The OKX Card charges no foreign transaction fees, only a 0.1% market spread on stablecoin-to-fiat conversion, which can be advantageous for international users.
Bottom line
The Crypto.com Visa Card is ideal for users who are willing to stake CRO to unlock higher rewards and benefits, and who prefer a physical card for everyday use. On the other hand, the OKX Card is a great choice for users who want a fee-free card with a focus on stablecoin spending and high launch cashback. Ultimately, your decision should be based on your spending habits, preference for physical or virtual cards, and willingness to engage with staking or stablecoin transactions. For more detailed comparisons, visit our ratings page.