SpectroCoin Card vs Crypto.com Visa Card
How does SpectroCoin Card compare to Crypto.com Visa Card? A side-by-side look at fees, rewards, custody and availability.
| Feature | SpectroCoin Card | Crypto.com Visa Card |
|---|---|---|
| Our score | 7.3/10 | 7.3/10 |
| Type | Debit | Prepaid |
| Networks | Visa | 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 | No annual fee; monthly service charge €1. Issuance: physical €5, virtual €1 | 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 | POS/online: EEA non-EUR 0.5%; international 1% | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) |
| ATM fee | EEA EUR €1; EEA non-EUR 1% (min €1); international 2% (min €2); balance inquiry €0.50 | 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 | 40+ currencies supported (e.g. USDT, SOL, MATIC, DAI) | Rewards paid in CRO |
| Availability | — | — |
| Apple / Google Pay | Yes | — |
If you’re choosing between the SpectroCoin Card and the Crypto.com Visa Card, your decision will largely depend on your spending habits, desired rewards, and fee tolerance. Both cards offer unique benefits, but they cater to different needs and preferences.
Choose SpectroCoin Card if…
- You want a card with no annual fee, as the SpectroCoin Card only charges a small monthly service fee of €1.
- You prefer a card with low foreign exchange fees, as the SpectroCoin Card charges only 0.5% for EEA non-EUR transactions and 1% for international transactions.
- You value a card that supports a wide range of cryptocurrencies, with over 40+ currencies including USDT, SOL, MATIC, and DAI.
- You prefer a card with free top-ups when using the SpectroCoin wallet.
- You are looking for a card with a lower barrier to entry, as it does not require staking or a subscription to unlock benefits.
Choose Crypto.com Visa Card if…
- You are interested in earning rewards on your spending, as the Crypto.com card offers up to 4.5% back in CRO, depending on your tier.
- You are willing to stake CRO to unlock higher rewards and benefits, such as lower foreign exchange fees and higher ATM withdrawal limits.
- You are comfortable with a prepaid card model and are willing to pay top-up fees for debit or credit card loads.
- You want a card with a tiered rewards system that can offer higher returns rates as you increase your CRO stake or subscription level.
- You are interested in the additional benefits that come with higher tiers, such as lounge access and exclusive merchandise.
Bottom line
Ultimately, the SpectroCoin Card is a solid choice for those who want a straightforward, low-fee card with broad cryptocurrency support and no need for staking. On the other hand, the Crypto.com Visa Card is ideal for users who are willing to engage with a tiered rewards system and stake CRO to unlock higher benefits and rewards. Consider your spending patterns, willingness to stake, and desired rewards when making your decision. For more detailed comparisons, visit our how we rate page.