Tap Card vs Crypto.com Visa Card
How does Tap 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. Tap Card and Crypto.com Visa Card are both crypto cards — here's how they differ. Key differences: network (Tap Card: Mastercard vs Crypto.com Visa Card: Visa). Our provisional scoring rates Crypto.com Visa Card higher (7.3/10 vs 6.7/10), but the best pick depends on your country and how you spend.
| Feature | Tap Card | Crypto.com Visa Card |
|---|---|---|
| Our score | 6.7/10 | 7.3/10 |
| Type | Debit | Prepaid |
| Networks | Mastercard | Visa |
| Rewards | Tiered cashback paid in XTP token, based on XTP held: Essential 0.5%, Plus 1.5%, Prime 3%, Premier 4%, Platinum 6%, Prestige 8% | 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 | Free ATM withdrawals up to €500 (Essential), up to €1,000 (higher tiers), unlimited (Prestige) before charges | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier |
| KYC | — | Full |
| Custody | — | Custodial |
| Supported coins | — | Rewards paid in CRO |
| Availability | — | — |
| Apple / Google Pay | — | — |
When choosing between the Tap Card and the Crypto.com Visa Card, your decision will largely depend on your spending habits, preference for rewards, and willingness to stake cryptocurrency. Both cards offer unique benefits but cater to different user needs. Here’s a breakdown to help you decide which card might be the best fit for you.
Choose Tap Card if…
- You prefer a tiered cashback system paid in XTP tokens: The Tap Card offers cashback rates ranging from 0.5% to 8%, depending on your XTP token holdings. This could be appealing if you are already invested in or interested in XTP.
- You want free ATM withdrawals up to a certain limit: The Tap Card provides free ATM withdrawals up to €500 for the Essential tier and up to €1,000 for higher tiers, with unlimited free withdrawals for the Prestige tier.
- You prefer not to pay fees for card deposits: The Tap Card offers free card deposits, which can be a significant advantage for managing your funds.
- You are interested in a Mastercard network: The Tap Card operates on the Mastercard network, which may offer better acceptance in certain regions or for specific merchants.
Choose Crypto.com Visa Card if…
- You prefer a prepaid card with rewards in CRO tokens: The Crypto.com Visa Card offers cashback rewards in CRO, ranging from 0% to 4.5%, depending on your tier. This could be beneficial if you are invested in or interested in CRO.
- You are willing to stake CRO to unlock higher rewards and benefits: Staking CRO is required to access higher tiers, which offer better rewards and additional benefits such as lower FX fees and higher ATM withdrawal limits.
- You want a Visa network card: The Crypto.com Visa Card operates on the Visa network, which is widely accepted globally and may offer additional perks or discounts with Visa partners.
- You are comfortable with a custodial wallet: The Crypto.com card is linked to a custodial wallet, which means Crypto.com manages your crypto assets. This could be a pro or a con depending on your preference for control over your funds.
- You are looking for a card with a range of tiers and benefits: The Crypto.com card offers a variety of tiers, from the free Midnight Blue to the high-end Obsidian, each with its own set of rewards and benefits.
Bottom line
Ultimately, the choice between the Tap Card and the Crypto.com Visa Card will depend on your personal preferences and financial goals. If you are looking for a card with tiered cashback in XTP and free ATM withdrawals, the Tap Card might be the better option. However, if you are interested in a prepaid card with rewards in CRO, are willing to stake cryptocurrency, and prefer the Visa network, the Crypto.com Visa Card could be more suitable. For more detailed comparisons, you can check out our rating criteria.