Crypto.com card review: fees, rewards, limits, and real risks

We tested the Crypto.com Card the way a beginner would use it. We ordered both the virtual and physical cards, topped them up with a bank card and from a crypto wallet, linked them to Apple Pay and Google Pay, and used them for in-store and online payments.

We tracked how quickly top-ups were credited, how offline terminals handled payments and tips, and how FX rates behaved on foreign currency transactions. We also tested edge cases: cash withdrawals after the free limit, declined payments, CRO staking and unstaking, and how cashback changes when moving between card tiers.

In our view, the main advantage is tight integration with the Crypto.com app. Card issuance is fast, top-ups post noticeably quicker than with many competitors, and cashback and limits are visible on a single screen. The downsides are tied to the same model. Maximum rewards require CRO staking, while lower tiers feel closer to a standard debit card, with modest cashback and relatively high ATM and conversion fees.

GNcrypto’s overall Crypto.com Card rating

Criterion	Score
Fees & costs	3.0
Rewards & cashback	3.5
Supported currencies & regions	4.0
Card limits & spending controls	3.5
Security & fraud protection	3.5
User experience & app integration	4.0
Customer support & card delivery	2.5
Total	3.45 / 5.00

Is Crypto.com Card worth it in 2026? 

Short answer: Crypto.com Card delivers strong value at Jade Green/Royal Indigo tier (3% cashback, Priority Pass), but lower tiers feel closer to a standard debit card with modest rewards and high fees. 

Our verdict after two weeks of testing: 

Crypto.com Card scored 3.45/5 in our crypto card methodology. The card works best when you can justify CRO staking or a Level Up subscription to unlock higher tiers. At Basic (Midnight) tier, 0% cashback and $200 ATM limit make it hard to recommend free alternatives. 

Use Crypto.com Card if: 

• You’re willing to stake CRO or pay a Level Up subscription to reach Jade Green/Royal Indigo tier
• You value tight app integration (instant top-ups, visible limits, in-app card controls)
• You want Priority Pass lounge access (Jade Green tier and above)
• You spend enough to justify 3%+ cashback within monthly reward caps 

Skip Crypto.com Card if:

• You can’t or won’t stake CRO (lower tiers offer minimal rewards)
• You need high ATM withdrawal limits without staking (Basic tier: $200/month free, then fees) 
• You want simple, predictable support (customer support scored 2.5/5 in our tests)
• You travel frequently and need low FX fees (conversion costs can add up on foreign currency transactions) 

Key safety reminder: Crypto.com suffered a major security breach in 2022 with account compromises and unauthorized withdrawals. The company overhauled 2FA and stated affected users were reimbursed. No similar incidents have been publicly disclosed since. 

How it compares:

• vs. WhiteBIT Nova: Higher cashback at top tiers, but requires CRO staking vs. instant €0 access
• vs. Fold Card: No Bill Pay feature for earning on rent/mortgage
• vs. Nexo Card: Similar tiered model, but Crypto.com has broader regional availability Full breakdown below

How the Crypto.com Card works

We explain how the card works under the hood – what happens to your funds before and after a payment, how the card is linked, and the role the Crypto.com app plays. This is a core focus in most Crypto.com Card reviews.

The Crypto.com Card operates as a Visa that spends the balance held in the Crypto.com app. In most countries, it is a prepaid debit card. You fund the account first, then spend the balance. In the US, there is also a credit version with an attached credit limit, but the mechanics of payments and rewards are similar. All transactions run through the same account.

You can top up the card with fiat or crypto. Fiat comes in via a bank card or bank transfer to the app account, and from there funds are loaded onto the card. When we topped up with crypto, the app first converted the selected asset into fiat at Crypto.com’s exchange rate, and that fiat was then credited to the card. For merchants, it is a standard Visa card in dollars or euros. They do not see that the balance originally came from Bitcoin or another asset.

All management is handled through the app. We ordered the card, completed KYC, tracked balances, CRO cashback, ATM limits, and conversion limits there. The app also allows you to freeze the card if it is lost, change the PIN, and link it to Apple Pay or Google Pay. Without access to the app account, the card is effectively unusable. It does not function independently of the Crypto.com ecosystem.

Rewards and bonuses depend on the card tier and CRO usage. In the debit model, tiers are determined by the amount of CRO you lock up for a set period. Higher tiers unlock higher cashback rates and additional perks. In the US credit version, some tiers are structured as paid subscriptions, but the logic is similar. You spend with the card, earn rewards in CRO, and manage everything through the same app.

Card tiers & benefits

Crypto.com Visa Card reviews often highlight how the card designs and pricing tiers differ. The entire lineup is now tied to the Level Up program. While there are multiple visual tiers, they are effectively grouped into four plans: Basic, Plus, Pro, and Private. The selected plan determines cashback rates, limits, travel perks, and how much CRO you need to stake or which subscription you must hold.

Midnight Card (formerly Midnight Blue). This is the Basic tier with no paid subscription and no mandatory CRO staking. At this level, we received a virtual card, could use it like a standard Visa or Mastercard, and access the app.

The bonus set is minimal. There is 0% cashback on everyday spending, free ATM withdrawals up to $200 per month, a total ATM withdrawal limit of $5,000, and a monthly card top-up limit of $25,000. This tier offers the simplest setup, without premium features.

Ruby Steel falls under the Plus plan. To qualify, in most regions you either need a paid Plus subscription or to lock or stake CRO for 12 months. Exact amounts and conditions are shown directly in the app when selecting a Level Up plan.

In return, you get higher cashback on everyday purchases, higher monthly reward limits, and improved terms across several Crypto.com ecosystem services.

Jade Green and Royal Indigo belong to the Pro plan. This requires a higher Level Up tier, around $4.99 per month or $49.90 per year, but the benefits expand significantly. You get 3% cashback, higher reward limits up to $75 in CRO equivalent, improved travel perks, and access to Priority Pass airport lounges after separate registration via an in-app invitation. In addition:

• free ATM withdrawals up to $800 per month.
• ATM withdrawal limit of $10,000 per month.
• card top-up limit of $25,000 per month.

Based on our testing, this tier offers the best overall value.

Icy White and Frosted Rose Gold, along with the top-tier Obsidian, all fall under the Private plan. This tier is aimed at high-balance users. There is no subscription fee, but you must lock CRO for at least 12 months, starting from €45,000. In return, you get the highest cashback rates on purchases, up to 6% in CRO for the credit card and up to 5% for the prepaid version, depending on region and plan. You also get expanded card limits, enhanced travel benefits, and priority support.

Cashback, rewards & extras

Midnight Card (Basic).

• subscription: none
• CRO staking: not required
• cashback: 0% on everyday spending
• free ATM withdrawals: up to $200 per month
• total ATM withdrawal limit: $5,000 per month
• total card top-up limit: $25,000 per month

Ruby Steel (Plus)

• subscription: Plus plan or 12-month CRO staking
• cashback: higher than Basic, paid in CRO
• reward limits: higher than Basic, exact amounts depend on region and are shown in the app
• additional terms: improved conditions across Crypto.com ecosystem services

Jade Green / Royal Indigo (Pro)

• subscription: higher-tier Level Up plan ($4.99 per month or $49.90 per year)
• CRO staking: alternative to the subscription for 12 months
• cashback: 3% on eligible card spending
• reward limit: up to $75 in CRO equivalent per month
• free ATM withdrawals: $800 per month
• total ATM withdrawal limit: $10,000 per month
• card top-up limit: $25,000 per month
• additional bonuses: Priority Pass lounge access after activating the in-app invitation

Icy White / Frosted Rose Gold / Obsidian (Private)

• plan: Private, for high-balance clients
• CRO staking: minimum 12 months, from $50,000 and above
• cashback: up to 5% on purchases for the prepaid card, up to 6% for the credit version (depends on region and plan)
• limits: higher transaction and ATM limits compared with Pro
• additional bonuses: enhanced travel perks and priority support

Most of our testing was conducted at the Jade Green and Royal Indigo tier. As a result, this and our subsequent Crypto.com credit card reviews focus specifically on how the card performs at this level of benefits.

Pros and cons

Based on two weeks of daily use at Jade Green/Royal Indigo tier:

Strengths:

• Tight app integration: Card issuance is fast, top-ups post noticeably quicker than many competitors, and cashback and limits are visible on a single screen.
• Strong rewards at higher tiers: 3% cashback (Jade Green/Royal Indigo) and up to 5-6% (top tiers) are competitive when you hit monthly spending targets.
• Priority Pass access: Jade Green tier and above includes airport lounge access after separate in-app registration.
• Flexible funding: Top up with fiat (bank card, bank transfer) or crypto (auto-converted to fiat at Crypto.com’s exchange rate).
• Fast top-ups: In our tests, fiat top-ups posted within minutes, faster than several competitors.
• In-app controls: Freeze card, change PIN, link to Apple Pay/Google Pay, all handled in the app.

Weaknesses:

• Rewards require staking or subscription: Maximum cashback requires CRO staking (12 months) or Level Up subscription ($4.99-49.90/year). Lower tiers (Basic/Midnight) offer 0% cashback.
• Monthly reward caps: Even at 3% tier, monthly rewards are capped (e.g., $75 in CRO equivalent for Jade Green/Royal Indigo).
• ATM and FX fees add up: Free ATM withdrawals are limited ($200/month Basic, $800/month Jade Green). After that, fees apply. FX conversion costs can be meaningful on foreign currency transactions.
• Customer support delays: Support scored 2.5/5 in our tests. Users report account freezes, prolonged document reviews, and slow response times.
• CRO staking risk: If CRO price drops during your 12-month lock, the USD value of your stake declines, potentially offsetting cashback gains.
• Regional restrictions: Card availability and tier benefits vary by country. Some regions have limited access or different fee structures.

Trustworthiness check

The Crypto.com Card is issued by licensed banks and fintech partners in their respective jurisdictions, with fiat balances held within regulated banking infrastructure. In the US, the Crypto.com Prepaid Visa Card is issued by Community Federal Savings Bank, while the Crypto.com Visa Signature Credit Card is issued by Comenity Capital Bank.

We also reviewed the in-app security settings. Crypto.com states that most funds are held in cold storage and backed by 1:1 reserves. On the user side, security features include biometrics, 2FA, an anti-phishing code, address whitelists, and instant card freezing. In some countries, additional account protection is available, including loss compensation in the event of a hack.

We did note a history of past incidents involving the company. In January 2022, the platform suffered a major breach that compromised approximately 483 user accounts and led to fund withdrawals. Crypto.com halted withdrawals, overhauled its 2FA system, and stated that affected users were reimbursed. Since then, no publicly disclosed attacks of similar scale have occurred.

While we did not encounter issues firsthand, readers of our publication have reported sudden account freezes, prolonged document reviews, withdrawal delays, and slow customer support.

How we test crypto cards

At GNcrypto we put transparency first when we rate crypto cards. Every score in this Crypto.com Card review is based on hands-on testing, not press releases or partner decks. Our team orders the card, completes full KYC, tops it up with real money, and uses it for everyday spending. 

We run at least 200 dollars of test payments, try ATM withdrawals, pay in foreign currencies, track cashback posts, and test freeze or unfreeze flows in the app.

Editorial ratings stay independent from business relationships. Platforms cannot pay to change their scores, and we do not sell higher positions in our rankings. Our job in these Crypto.com Visa Card reviews is to measure real costs, limits, and risks so readers can decide whether a card fits their own use case. When issuers change fees, rewards, or regional access, we revisit our notes and update the scores.

Categories & weights

We rate crypto cards on seven criteria. Fees and rewards carry the most weight, because a card that eats your balance or gives weak cashback is hard to justify, no matter how nice the app looks.

• Fees & costs – 25%
• Rewards & cashback – 20%
• Supported currencies & regions – 15%
• Card limits & spending controls – 15%
• Security & fraud protection – 10%
• User experience & app integration – 10%
• Customer support & card delivery – 5%