TL;DR
The Crypto.com card offers up to 5% cashback on purchases, fee-free ATM withdrawals, and perks like Spotify and Netflix rebates. It requires staking CRO tokens, and higher rewards come with higher staking tiers. We believe it’s one of the best crypto cards of this moment. Get the card when CRO is not at its highest peak and if you believe it will go up in the coming 6 months.
If you’re heavily invested in crypto, then for several reasons, it makes sense to consider using a crypto debit card seriously. One of the most popular crypto debit cards is the Crypto.com card.
Besides the fact that these cards are straight sexy, they pack a serious punch when it comes to cashback rewards and other benefits. So let’s dive into the Crypto.com card, and explore the most important aspects that you need to know.
The Crypto.com Card & How It Works
The Crypto.com card is a pre-paid Visa debit card that operates through the Crypto.com platform. You “top-up” your card on the platform by either (1) moving fiat from your Crypto.com fiat wallet onto your card, or by (2) selling some of your crypto or stablecoin assets on the platform, and then moving the fiat proceeds onto the card. Alternatively, you can always top-up your Crypto.com card with any other credit or debit card that you already have.
On the spending side, your Crypto.com card is accepted by merchants globally, given it’s a Visa card. Like any other pre-paid debit card, making purchases with it means you’ll draw down the fiat that you’ve preloaded onto it. You can spend the following fiat currencies with the card: USD, AUD, BRL, CAD, EUR, SGD, and GBP.
More info: How & where to use the Crypto.com debit card
However, the real differentiator between the Crypto.com card and other debit cards are the cashback rewards and other perks that you can access. So let’s now discuss these.
Card Tiers & Cashback Rewards
OK, here’s the red meat of the Crypto.com card. We’re talking about the card tiers and cashback rewards.
As you can see below, there’s six tiers, leveling up from left to right. The fundamental “unlock” with the tiers and cashback rewards is how much Cronos (CRO) you’re willing to lock-up to the Crypto.com platform. The more CRO you’re willing to lock, the higher the card tier you can have. And that equates to higher cashback rewards.
In order to access any of the tiers, other than the Midnight Blue card, you must first lock up the dollar amount that you see above, denominated in CRO, for 180 days. This is the central part of the application process for receiving your card.
Your cashback rewards are paid to you instantly, per the percentage amounts above, when you swipe your card for purchases. Your rewards are denominated in CRO tokens, and will automatically appear in your Crypto.com crypto wallet. And once received, you’re immediately free to do as you please with your CRO rewards (i.e. sell for cash, stake for more rewards, save for upgraded tier, etc.).
And speaking of CRO rewards, if you decide to go for the Crypto.com Card, sign up here, and you’ll receive an extra $50 bonus paid to you in CRO.
More info about Cronos: https://larkdavis.org/cronos-chain-crypto-com-review/
Additional Benefits, Fees & Limits
The other major components are the additional benefits, fees, and limits of the Crypto.com card.
The additional benefits are notable. The 100% subscription rebate to Spotify and Netflix (i.e. up to $13.99 per month for each service) receives the most publicity. Ruby Steel, Royal Indigo, and Jade Green card holders get Spotify Premium and Netflix for free for six months. The higher tiers get these services for no charge for as long as they keep their cards active.
Then there’s the Priority Pass airport lounge access to 1,300 airport lounges across the globe. Royal Indigo and Jade Green card holders get 4 complimentary visits per calendar year. Rose Gold, Icy White, Obsidian, and Prime card holders get unlimited lounge access for themselves and 1 accompanying guest.
Below are the main details when it comes to fees and limits with concerns to ATM withdrawals, withdrawal monthly caps, and card top-up limits.
Digging further into the details, understand that there’s no annual fee for any of Crypto.com’s cards. However, once you’ve surpassed your free ATM monthly withdrawal limit, there’s a 2% charge on any further cash withdrawals.
There’s no fee when topping up the card with crypto or fiat from your Crypto.com account. However, there is a 1% fee when topping up from other debit cards, and a 2% fee when topping up from other credit cards. Finally, there is a foreign transaction fee of 3% on all non-USD purchases and ATM withdrawals for the Midnight Blue, Ruby Steel, Royal Indigo, and Jade Green cards.
This covers most of the main fee and limit components, but if you want to dig further into the details, you can do that on Crypto.com’s Fees and Limits page.
How the Crypto.com Card Stacks Against Competitors
Below is a comparison of the cards offered by Crypto.com, Coinbase, and BlockFi. This comparison is most ideal for Americans, given that many of the other major crypto cards (i.e Bybit, Binance, and Nexo) are not available in the USA.
| Crypto.com | Coinbase | BlockFi | |
| Card Type | Prepaid Visa Debit | Visa Debit | Credit |
| Cashback | 1% – 5% in CRO | 1% – 4% in BTC, ETH or others | 1.5% in BTC |
| Lock-Up Requirement | Yes | No | No |
| Supported Cryptos | 50+ (BTC, ETH, CRO, Stables, etc.) | 10+ (BTC, ETH, USDC, etc.) | None. |
| Fees | No annual fee. Foreign tnx fee on lower tiers. | No annual fee. No foreign tnx fee. 2.49% tnx fee when spending directly from crypto. | No annual fee. No foreign tnx fee. |
| Availability | USA, Europe, Asia | USA Only | USA Only |
| Additional Benefits | Spotify, Netflix, Airport Lounge Access | Choice of crypto rewards. Seamless crypto-to-fiat spending. | Earn 3.5% back in BTC during first 90 days of ownership, up to $100 in BTC total. |
As you can see, the Crypto.com card has the highest potential cashback rewards, and more additional benefits, than both the Coinbase and Blockfi cards. However, the Crypto.com card does have a foreign transaction fee for the lower tiers, while neither the Coinbase nor BlockFi cards have this charge.
And of course, when just comparing cashback rewards, the Crypto.com card blows the other TradFi cards out of the water, as those that do offer cashback are usually between 1% to 1.5%.
The Most Important Consideration: The CRO Token
By now, you can probably tell that we think the Crypto.com card is a very solid product. The cashback rewards beat those offered by other US-based crypto cards, there’s some great additional benefits and services attached to the card, and there’s no annual fee. So far, so good.
However, in our opinion, the most important consideration about the card isn’t about any of its finer details, or how it stacks up to the competition. Rather, it all comes down to your medium-term price perspective on Crypto.com’s native token, CRO.
Remember, to access any of the cashback reward tiers, you have to lock up CRO for 6 months (e.g. $500 to $1M worth, depending on what tier you want). So if you’re bullish on CRO for at least the next six months, then it makes sense to go for a card. You’ll enjoy some killer cashback rewards that you can use to further build your crypto stockpile, and the additional perks don’t hurt either.
However, if we were at a market cycle top, and CRO is priced at all-time highs, and you didn’t own any already, and you were thinking about buying up a bag so that you can get a cashback rewards card, then it’s probably a better idea to wait for the price of CRO to come down to a baseline level, before jumping in. If you were to purchase CRO at all-time high for the card, there’s a good chance that you’d be at a huge loss on your tokens after the six month lockup period is over. Of course, you could just keep locking up your tokens and using the card further, but it could take years before your entire investment becomes profitable.
So to summarize, if you’re not already a CRO holder and you want to get a card that offers cashback, then we recommend getting in when CRO is reasonably priced and not at a euphoric market top.
Closing Thoughts
In the midst of a crypto bull market, it definitely feels good to pay for a round of drinks with friends by slapping down one of Crypto.com’s sexy-looking cards. And you’ll appreciate the CRO received via cashback rewards on those drinks! That, plus the other additional benefits, and the low fees, make the Crypto.com card a very solid choice when it comes to crypto-based debit cards.
However, just be sure that you’re not loading up on your initial CRO bag at a euphoric price peak or a market cycle top.
Important read: Is Crypto.com Safe?
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Interesting Reads:
- Crypto.com Platform – Clear Review
- How You Can Profit With Crypto.com
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- What are “crypto cards” and how can you benefit from them
- Best Crypto Credit Cards for 2025
- Pros & Cons of the Crypto.com Card
Do you want to stay ahead of the curve and know what is going on in the crypto markets? Sign up for The Wealth Mastery’s crypto newsletter, and get token analyses, platform reviews, and detailed info on how Lark invests and his view on the market.
David learned about bitcoin in 2015 and has closely followed the crypto industry since then. His professional interests center around bitcoin, layer-one blockchain protocols, decentralized finance, and clean energy. An attorney by trade, David has held licenses to practice law in the State of Hawaii and in US federal courts.
