Crypto.com Visa Card Review 2026: Tiers, Cashback Cuts, Fees and Who Still Benefits
By the MyCardCrypto team · Updated 9 October 2026 · Fees checked on 9 October 2026
Crypto.com’s Visa card is prepaid and custodial. After the autumn 2026 cuts, Plus earns 1.5% on the first $750 a month, Pro 2.5% on $1,500 and the free tier nothing.
Best for: Crypto.com app users in Europe spending a few hundred euros a month on Plus.
Not for: self-custody fans, free-card users wanting rewards, and big spenders used to 2–5%.
Our rating: 5.5/10 — regulated issuers, a strong app, but cut rewards, one-way top-ups and 2.0 on Trustpilot. This is not financial advice; fees and availability change — check the issuer before applying.
Is the Crypto.com card right for you?
We have not held this card. On 9 October 2026 we read Crypto.com’s card pages for the EEA, the UK and its global site, the help centre’s rewards article (updated 1 September 2026) and its fee tables, including changes that took effect on 1 October. Archived copies show what the pages said before. Where Crypto.com contradicts itself, we print both numbers; our editorial policy explains how we check.
It can still make sense if you:
- already keep euros, pounds or crypto in the Crypto.com app and want to spend them;
- spend at least €270 a month on one card (Plus stops earning after $750) and would pay €3.99 a month for Plus;
- want a regulated issuer: an e-money institution in Malta for the EEA, one supervised by the FCA in the UK.
Look elsewhere if you:
- want your own keys, since the card spends a balance that Crypto.com holds;
- want rewards without paying, because the free Basic tier earns 0%;
- spend well over $1,500 a month, where Pro’s 2.5% rate stops;
- live in the US and want every number checked: we could not open the US pages from Europe.
Crypto.com Visa Card tiers and prices in 2026
Fees checked on 9 October 2026 on Crypto.com’s EEA card page. The card tiers now sit inside Level Up, Crypto.com’s membership: Basic (formerly Midnight), Plus (Ruby), Pro (Jade/Indigo) and Private (Icy/Rose/Obsidian). You pay monthly, pay yearly, or stake CRO, Crypto.com’s own token, for 12 months.
| Plan (card) | Monthly | Yearly | Or stake CRO for 12 months |
|---|---|---|---|
| Basic (Midnight Blue) | Free | Free | Not needed |
| Plus (Ruby Steel) | €3.99 | €39.90 | €450 |
| Pro (Jade Green or Royal Indigo) | €24.99 | €249.90 | €4,500 |
| Private (Icy White or Rose Gold) | Stake only | Stake only | €45,000 |
| Private (Obsidian) | Stake only | Stake only | €450,000 |
The subscription route for Plus and Pro has existed since 2 September 2025; before that, every paid tier meant locking CRO. New subscribers get “a 30-day free trial period”, and nothing is charged if they cancel within it.
UK prices mirror the euro ones: Plus is £3.99 a month, £39.90 a year or £400 staked; Pro is £24.99, £249.90 or £4,000; Private needs £40,000 or £400,000. The global page in dollars lists Plus at $4.99 and Pro at $29.99 a month, and Australia’s Plus costs A$6.99.
Crypto.com card cashback in 2026: the autumn cuts
Rewards arrive in CRO in your Crypto Wallet “after every eligible transaction”. The help centre’s rewards article, updated 1 September 2026, lowered every paid rate and tightened the caps, but gives no start date. The EEA card page still showed the old 2–5% on 18 September and the new grid by 9 October. Secondary sites date the cut to 1 October, when the EU and UK lounge and FX changes began; we found no Crypto.com notice confirming it.
| Plan | Before the cut | After the cut | Most a month at the full rate |
|---|---|---|---|
| Basic | 0% | 0% | $0 |
| Plus | 2%, rewards capped at $25 | 1.5% on the first $750 | $11.25 |
| Pro | 3%, rewards capped at $75 | 2.5% on the first $1,500 | $37.50 |
| Private $50k | 4%, no cap | 3.5% on the first $3,000, then 0.5% | $105 |
| Private $500k | 5%, no cap | 4.5% on the first $5,000, then 1% | $225 |
Each cap is set in dollars: on Plus, rewards apply to the first “USD 750 or equivalent local currency” of qualifying purchases a month. The last column is our arithmetic: 1.5% of $750 is $11.25. Past the cap, Plus and Pro earn nothing more, while the two Private tiers drop to a lower tail rate.
One contradiction remains. The EU and UK fee articles (updated 31 July 2026) still list monthly spending caps for rewards of $1,250 for Plus, $2,500 for Pro and “Unlimited” for Private. Those are the pre-cut limits: 2% of $1,250 is the old $25. The rewards article and the card page now say $750, $1,500, $3,000 and $5,000. We follow the rewards article and the card page, because both carry the new rates.
Bitcoin instead of CRO in France, Germany and Italy
Since 3 June 2026, holders on a paid plan with a French, German or Italian phone number and residential address, plus an EU-issued ID, can take rewards in bitcoin. The rates are lower and the caps higher: Plus 1% on the first $1,250, Pro 1.5% on $2,500, Private 2% and 3% with no cap. One monthly cap covers BTC and CRO together.
Does a paid plan pay for itself?
This is our calculation, not financial advice, and it assumes CRO keeps its value until you sell. It leaves out the €24.99 that monthly Plus subscribers pay for a physical card in their first six months. Plus at €3.99 a month breaks even at about €266 of monthly spending, or €222 on the yearly plan. Pro at €24.99 needs about €1,000, or €833 yearly, still under its $1,500 cap. At best, Pro returns $37.50 of CRO against a €24.99 fee.
A stake changes the sums. A Plus stake ties up €450 of CRO for a year, and the help centre lists its staking rate as “N/A”. Pro’s €4,500 stake does earn a staking rate (see how the stake works below), but the CRO price can move more than any reward.
Perks that were trimmed
Spotify and Netflix rebates pay up to US$13.99 of CRO a month each, and Truth+ up to US$9.95, one rebate per service per month. Plus gets them for 3 months after joining, Pro for 6, and Private with no end date. Monthly subscribers get none: rebates and lounges are “Only applicable to Level Up users on an annual subscription or with an active CRO Lockup/Stake.”
Lounges shrank on 1 October 2026 in the EU, the UK and Latin America, and a month earlier elsewhere. Pro drops from 4 to 2 free Priority Pass visits a year, and Private loses its free guest, although the rewards article still lists lounges “for you and one guest”. On 2 November 2025 Icy/Rose and Obsidian holders had already lost their Expedia, Airbnb, X and Amazon Prime rebates.
Crypto.com card fees: FX from 1 October, ATMs, top-ups and inactivity
Fees checked on 9 October 2026 against the help centre’s EU fee table, updated 31 July 2026 with changes dated 1 October 2026.
| Fee or limit (EEA) | Amount |
|---|---|
| Card fee | None listed; the Plus and Pro plans cost €3.99 and €24.99 a month |
| Physical card | Basic €4.99; Plus €24.99 if monthly for under 6 months |
| Non-euro spending in the EU and UK | 0.2% (Basic, Plus, Pro); Private free |
| Spending outside the EU and UK | Basic 2%; Plus free to €400, Pro to €800, then 2%; Private free |
| Free ATM cash a month | €200 / €400 / €800 / €800 / €1,000 by tier |
| ATM above the allowance | 2% |
| Top-up with a debit or credit card | 1%; minimum top-up €20 |
| Top-up from crypto or the Cash Account | No listed fee; exchange rate not published |
| Top-up limit | €25,000 a month, also the card’s maximum balance |
| Replacement card | €45.01 (Basic), €50 (other tiers) |
| Closing the card account | €50 |
| Inactivity after 12 months | €6 a month from 1 October 2026 (was €5) |
The FX change is the one most holders will notice. Until 30 September, only Basic paid FX in the EU. Since 1 October, Plus and Pro pay 0.2% on non-euro purchases inside the EU and UK, such as in złoty or pounds. Outside the EU and UK they pay 2% once the month’s free €400 or €800 is used. Private tiers still pay nothing.
Crypto.com’s Level Up page still advertises “0% foreign exchange fees” for Plus and Pro. Its footnote reads: “Zero foreign exchange fee apply up to certain limit.” That limit is the €400 or €800 above.
ATM operator fees count toward the free allowance, and Crypto.com charges 2% above it. In the UK the allowances are £180, £360, £720, £720 and £900, and the FX rules match the EU’s, with free allowances of £400 and £800.
The top-up rate is the cost you can’t see. Moving crypto onto the card converts it at what Crypto.com calls competitive rates, “with exact rates determined by your jurisdiction and card tier”; we found no published spread. Funding the Cash Account by bank transfer costs nothing in the EEA, and a SEPA withdrawal costs €1.
How the card works: prepaid, custodial and one-way
“The Crypto.com Card is a prepaid card,” says the EEA page: you load it before spending, and it isn’t linked to a bank account. You can top up from the Crypto Wallet (over 100 coins, with the quote held for 15 seconds), from the Cash Account or with another card.
- Crypto is sold at top-up. “Cardholders cannot load cryptocurrency onto their Crypto.com Prepaid Visa Card”, so the card holds euros, pounds or dollars.
- Card money stays on the card. The help centre warns that “you cannot transfer money back to your Cash Account” once it is loaded.
- Crypto.com holds the crypto. The EEA terms of 14 July 2026 keep it “on your behalf in a ring-fenced custody account” and let Crypto.com move it to another custody account at its discretion.
- You pay in the card’s currency, and rewards come back in CRO.
Apple Pay works in the EU, the US, Canada, Australia and Singapore, but not in the UK. Identity checks come first: a passport is the preferred document, and US citizens and residents must submit a state-issued driver’s licence or ID. In the EU you also state your expected yearly turnover, income and employment before the first top-up, a rule Crypto.com ties to Directive (EU) 2018/843.
The CRO stake: a year locked, then about 36 days
The help centre is blunt: “Your CRO is locked on-chain for 365 days and cannot be unstaked early.” Unstaking then takes “an estimated unbonding period of 36 days”, with no rewards in the meantime. A Plus or Pro stake can switch to a subscription only after the 365 days end.
On 10 September 2026 the estimated staking rates fell: Pro from 4% to 3%, Private $50k from 8.5% to 5% and Private $500k from 9% to 6%. Yet the EEA Level Up page advertised “€45k at 8.5% yield/€450k at 9.5% yield” on 9 October 2026. We trust the help centre’s dated table, which gives 5% and 6%.
What you keep after you unstake or cancel
Unstaking or cancelling a subscription drops you to Basic, with 0% rewards. Your current card keeps its fee-free ATM allowance and interbank rate until it expires. After that, “your reissued Crypto.com Prepaid Card tier will correspond to your Level Up plan”, so a lapsed Jade card comes back as a Midnight card.
Crypto.com credit card (US): what we know
In the US, Crypto.com offers two cards. The help centre says “US users may be prompted to apply for a Crypto.com Visa Signature® Credit Card”; if you aren’t eligible, you can switch the application to the prepaid card. The credit card requires “a credit check and approval” and is “only available to US users”.
An archived copy of the US card page from 21 September 2026 names the lender: accounts “are issued by Comenity Capital Bank”. The same copy advertised “$0 annual credit card fees” and 1.5% back in BTC or CRO on the free Basic plan, or 3.5% on Plus, which cost $4.99 a month, $49.90 a year or a $500 CRO stake. The welcome bonus in CRO was $100 after $1,500 of spending in 90 days, or $200 after $2,000 on Plus.
CRO rewards on that page had no monthly cap. BTC rewards were capped at $250 of monthly spending on Basic (then 1%) and $500 on Plus (then 2%).
On 9 October the help centre still said the credit card “offers up to 6% back in crypto”, against “up to 4.5%” for the top prepaid tier.
The US prepaid card in numbers
Community Federal Savings Bank issues the US prepaid card. Its fee article, updated 1 September 2026, charges 3% on non-dollar purchases and ATM withdrawals for Midnight, Ruby, Jade and Indigo, while Rose, Icy and Obsidian pay nothing. Topping up costs 1% by debit card, 2.99% by credit card and 2.1% via PayPal, and the inactivity fee rose from $4.95 to $5.95 a month.
What we could not verify
- The live US card and Level Up pages: from Europe, crypto.com/us/cards redirects to the EEA page.
- The credit card’s interest rate, fees and rewards terms, which sit in disclosures we could not open.
- Whether the autumn cuts to the prepaid card also reached the credit card’s rates.
- The current welcome offer: the archived page showed both a “$300 welcome bonus” banner and the $100/$200 table.
Check the offer screen in the app before applying. According to the same archived page, pre-qualification uses “a soft inquiry” that will not affect your credit score.
Is Crypto.com safe? Issuers, licences and reviews
Each region has its own issuer. In the EEA it is Foris MT Limited, a Maltese e-money institution with a Visa Principal Member licence. In the UK it is ForisGFS UK Limited, an FCA-supervised e-money institution “required to safeguard the money that we receive from our customers”.
- US prepaid: Community Federal Savings Bank (Member FDIC); US credit card: Comenity Capital Bank.
- Canada: Digital Commerce Bank, with Foris, Inc. running the programme.
- Australia: Foris GFS Australia (AFSL 467462); Singapore: Foris Asia Pte. Ltd., a MAS Major Payment Institution.
- Crypto services in the EEA: Foris DAX MT Limited, authorised under MiCA on 27 January 2025.
The e-money licences apply to the card balance; the UK card page adds that the card “is not covered by the Financial Services Compensation Scheme”. Your crypto still sits with Crypto.com, so the exchange matters as much as the card. The best-known incident dates from January 2022, when 483 users lost about $33.8 million in unauthorised withdrawals; Decrypt reported that “All affected accounts were fully reimbursed”. Our standard searches found no 2026 hack.
Reviews split by platform. On 9 October 2026 Trustpilot showed 2.0 out of 5 from 9,473 reviews, 72% of them one-star; on 8 October we had read 1.9 from 9,470. The apps score far higher, 4.7 on the US App Store (335,151 ratings) and 4.41 on Google Play (692,854), but those ratings cover the whole app, not the card.
Recent complaints follow the cuts. A one-star review from 6 October 2026 complains that after a large stake made for the cashback, Crypto.com cut the rate and added a 3K spending limit.
The honest catches
The free card earns nothing
Basic pays 0% in CRO and in BTC and charges €4.99 for plastic. It also pays 0.2% on non-euro spending in the EU and UK and 2% outside. It is a spending tool, not a rewards card.
Monthly subscribers get the thinnest version
Paying monthly is the cheapest way in, but it skips the streaming rebates and the lounges. Plus subscribers in their first six months also pay €24.99 for the physical card. The yearly plan or a stake brings those extras back.
Crypto.com’s own pages disagree
On 9 October the EEA card page called the card Visa in its title and a “Prepaid Mastercard” in its FAQ. The help centre promises “Up to 4.5% uncapped rewards” for the prepaid card, though 4.5% stops after $5,000. The EEA and UK card pages were still titled “Earn Up to 5% back on your daily spending”, although their own grids stop at 4.5%. In this review we follow the dated help-centre tables.
Some spending earns nothing
There are no CRO rewards on transfers and P2P (MCC 4829), utilities (4900), insurance (6300), crypto and currency purchases (6051), brokers (6211), rent (6513), or fines and taxes (9222, 9311), among others. A Netflix or Spotify bill earns rewards only on the amount above its rebate.
A dormant card costs €6 a month
After 12 months without a payment you start yourself, the card is charged €6 a month in the EEA, £6 in the UK and $5.95 in the US. Closing the card account costs €50, and card money can’t go back to the Cash Account, so spend it down before you close.
Rewards in CRO and crypto sold at top-up may have tax consequences where you live. We don’t give tax advice; our crypto card guide covers the general questions.
✅ Pros
- Regulated issuers: e-money institutions in Malta and the UK, plus MiCA authorisation for crypto in the EEA.
- Cheap entry: Plus by subscription at €3.99 a month, with a 30-day trial.
- Free ATM cash: €200 to €1,000 a month, depending on tier.
- Wide reach: 31 European countries plus programmes in the US, Canada, Australia and Singapore.
- Bitcoin option for rewards in France, Germany and Italy.
- Well-rated app: 4.7 on the App Store, 4.41 on Google Play.
❌ Cons
- Cut rewards: 1.5% on $750 for Plus, 2.5% on $1,500 for Pro.
- Basic earns 0% and pays FX on non-euro spending.
- One-way top-ups at an unpublished conversion rate.
- CRO risk: rewards and stakes move with the token, and stakes lock for 365 days.
- New FX fee for Plus and Pro since 1 October 2026.
- Trustpilot 2.0 from 9,473 reviews.
Crypto.com card vs KAST, Bybit Card and Wirex One
We use KAST ourselves (Standard tier, virtual card, since spring 2026) and have used Wirex since 2021, now relaunched as Wirex One with a self-custodial wallet. The table uses published numbers only: Crypto.com’s as of 9 October 2026, the others as of 8 October.
| Published figures | Crypto.com (EEA) | KAST Standard | Bybit (EEA) | Wirex One Base |
|---|---|---|---|---|
| Card type | Prepaid Visa | Credit line secured by your deposit | Mastercard debit | Debit, no credit line |
| Custody | Custodial | Custodial; optional Self-Custody Mode | Exchange account | Self-custodial wallet |
| Price | Free; Plus €3.99 a month | $0 | €0 | $0 |
| Cashback | Basic 0%; Plus 1.5% on $750, in CRO | 1.5% on the first $2,000, in USD | 1%, no cap, in USDC or BTC | 0.5% in USD |
| FX fee | 0.2% in EU/UK; 2% outside (Basic) | 0% in USD; 0.5–1.75% otherwise | 0.5% or 1% | Listed as free |
| Trustpilot | 2.0 (9,473 reviews) | 2.5 (220) | 1.3 (bybit.eu, 400) | 2.3 (wirexapp.com, 17,658) |
KAST is the closest swap if you want rewards without a subscription or a token: the free Standard tier pays 1.5% in US dollars on the first $2,000 a month. Non-dollar spending costs 0.5–1.75% in FX, though, and its Terms say deposits are “sold to KAST”. Our KAST review covers both.
Promo code LBY9BQVJ: 10% off your first paid KAST membership (the Standard tier is free).
Wirex One suits readers who want their own keys: the wallet is self-custodial, cashback is paid in dollars and the help centre lists FX as free. Base pays 0.5% on a virtual card; 1% needs a $500 portfolio with at least 1% in the WPAY token, and higher tiers pay 3–8%. Our Wirex review covers the relaunch.
Already trade on Bybit in the EEA? Its card is free and pays 1% with no cap, but paying with crypto costs 0.9%; see our Bybit Card review. RedotPay is another custodial card for spending crypto outside the US, covered in our RedotPay review. Our own three cards are compared in Wirex vs KAST vs Avici.
Frequently Asked Questions
Is the Crypto.com card a credit or debit card?
Neither, in most countries: it is a prepaid card that you top up before spending, with no link to a bank account. In the US, Crypto.com also offers a separate Visa Signature credit card issued by Comenity Capital Bank. That one needs a credit check, and the prepaid card is the fallback if you aren’t approved.
Is it a Visa or a Mastercard?
Visa in the EEA, the UK, the US, Canada, Australia and Singapore; the EEA issuer holds a Visa Principal Member licence. The help centre lists a Prepaid Mastercard only for Bahrain and select GCC markets. The EEA card page muddies this: its title says Visa, while one FAQ entry calls the card a “Prepaid Mastercard”.
Can you withdraw money from a Crypto.com card?
Yes, at ATMs. In the EEA the first €200 to €1,000 a month is free depending on tier, then Crypto.com charges 2%, and any ATM operator fee counts toward the allowance. What you can’t do is move card money back to your Cash Account, so load only what you plan to spend or withdraw.
Is the cashback still worth it after the cuts?
Only in a narrow band, by our arithmetic. Plus at €3.99 a month needs about €266 of monthly spending to cover its fee and stops earning at $750. Pro needs about €1,000 a month and stops at $1,500, so it returns at most $37.50 of CRO. Rewards are paid in CRO, whose price can move either way.
Can I get the card in the US or the UK?
Yes, in both. UK residents get it from ForisGFS UK, with Plus at £3.99 a month, though Apple Pay isn’t offered there. US residents get a prepaid card from Community Federal Savings Bank, and the app may suggest the Visa Signature credit card first. In Europe the card ships to 31 countries: the EU plus Iceland, Norway, Switzerland and the UK.
What happens when I unstake my CRO?
Your plan drops to Basic and spending rewards stop. You can unstake only after the 365-day lock, and unbonding then takes about 36 days without staking rewards. Your current card keeps its free ATM allowance and exchange-rate terms until it expires; the replacement card matches whatever plan you are on at that point.
Is there a referral bonus?
Yes, but it rewards trading, not card use. A friend who joins with your code and passes KYC earns you both rewards as they trade within 30 days: up to $75 each in Tier 1 countries such as the US and Germany. A separate $25 each applies if they stake CRO or take yearly Pro and reserve a metal card. The UK, South Korea, Uganda and Singapore are excluded.
Is the Crypto.com card worth it? Our verdict
5.5/10. The Crypto.com Visa Card is still a regulated way to spend money that already sits in the Crypto.com app, with a highly rated app, free ATM cash every month and Plus available for €3.99 a month.
It loses points on what changed in 2026: rewards cut and capped in the autumn, a new FX fee for Plus and Pro from 1 October, fewer lounge visits, lower staking rates and a 2.0 score on Trustpilot. The card is prepaid and custodial, top-ups are one-way, and the conversion rate is not published.
Spend a few hundred euros a month and already use the app? Plus on a subscription can still pay for itself. Want cashback without a plan or a token? Compare KAST. Want your own keys? Look at Wirex One.