by Crypto.com · Singapore, APAC, Australia & New Zealand, United…
Crypto.com Prepaid Visa Card with five card tiers: Midnight Blue, Ruby Steel, Jade Green/Royal Indigo, Icy White/Rose Gold, and Obsidian. Everyday-spending CRO rewards are determined by the user's Level Up plan, ranging from 0% to 4.5% on eligible spending. Eligible users in France, Germany and Italy can take rewards in BTC instead, at a lower rate but uncapped on Private plans. Higher Level Up plans can also include Crypto.com Travel rewards of up to 40% CRO, subscription rebates, Priority Support and airport lounge access, though rebates and lounge access require an annual subscription or an active CRO lockup/stake.
The Crypto.com Visa is a prepaid card on Visa, paying up to 4.5% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
you want up to 4.5% back on everyday spending
you want a card with no annual fee
THINK TWICE IF
you're not willing to stake or hold a token to reach the headline rate
you want to hold your own keys — this card is custodial
OUR SCORE
How we rate the Crypto.com Visa
3.0out of 5Our assessment, not a user rating
Cost25%3.0 / 5
No annual card fee, but the free plan has up to 3% FX in some regions (such as the US), an inactivity fee after 12 months without use, and 2% on ATM withdrawals above the allowance.
Conditions25%3.5 / 5
The best-value plan within reach, Level Up Pro, costs $299.90 a year. Better rates need a 12-month CRO lock-up, which we don't count.
Rewards25%2.0 / 5
The free plan pays 0% on spending. Level Up Pro's 2.5% on up to $1,500 is about $450 a year — only about $150 more than its fee (≈0.8%) — and paid in CRO.
Reliability25%3.5 / 5
Large issuer with well-documented regional terms, but rewards and benefits have been cut repeatedly.
Crypto.com Prepaid Visa is a feature-rich but condition-heavy crypto card. Basic users get no everyday spending rewards, while higher Level Up plans can provide up to 4.5% CRO rewards plus valuable Travel, subscription and lounge benefits. The trade-off is meaningful: higher rewards require subscriptions or substantial CRO commitments, while FX, ATM fees, limits and availability vary by region. It is a strong choice for users willing to meet the Level Up requirements, but less compelling for users looking for a simple no-strings-attached cashback card.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to 4.5%, paid in CRO or BTC, depending on eligibility and selected reward token; subscription rebates are always paid in CRO.
Everyday spending rewards are determined by the Level Up plan: Basic 0%, Plus 1.5%, Pro 2.5%, Private $50,000 3.5%, and Private $500,000 4.5%.
Standard CRO reward caps are $750 for Plus, $1,500 for Pro, $3,000 for Private $50,000 (then 0.5%), and $5,000 for Private $500,000 (then 1%), but applicable regional terms can provide different caps.
Eligible users in France, Germany and Italy on Plus, Pro or Private can choose BTC instead of CRO, but BTC rates are lower: Plus 1% (first $1,250), Pro 1.5% (first $2,500), Private $50,000 2% (uncapped), Private $500,000 3% (uncapped).
The monthly cap is shared between BTC and CRO.
Subscription rebates and airport lounge access require an annual subscription or an active CRO lockup/stake; monthly subscribers are not eligible for either.
PLANS & TIERS
Compare the plans
This card has 5 plans. Select one to see its rate, fees and perks.
Midnight Blue
Requirement: Basic Level Up plan; no subscription, CRO lockup or staking required
✓CRO rewards apply to the first $1,500/month in qualifying purchases under the standard reward schedule; regional terms can differ
✓BTC option in France, Germany and Italy: 1.5% on the first $2,500/month instead of 2.5% CRO
✓Up to 25% CRO rewards on Crypto.com Travel
✓Priority Support
✓6-month Spotify, Netflix and Truth+ purchase rebates — requires an annual subscription or an active CRO lockup/stake; monthly subscribers are not eligible
✓2 complimentary Priority Pass visits and/or travel experiences per calendar year (4 until 1 October 2026 in EU, UK and LATAM markets); not prorated; guests charged US$35-US$38 per visit; requires an annual subscription or an active CRO lockup/stake
Icy White / Rose Gold
Requirement: Private Level Up plan via qualifying $50,000 12-month CRO staking/lockup; availability varies by jurisdiction
✓CRO rewards apply to the first $3,000/month in qualifying purchases under the standard reward schedule, then 0.5%; regional terms can differ
✓BTC option in France, Germany and Italy: 2% uncapped instead of 3.5% CRO
✓Up to 30% CRO rewards on Crypto.com Travel
✓Priority Support
✓Permanent subscription rebates for Spotify, Netflix and Truth+
✓Unlimited personal Priority Pass lounge access and travel experiences; complimentary guest access removed 1 September 2026 (1 October 2026 in EU, UK and LATAM markets), guests charged US$35-US$38 per visit
Obsidian
Requirement: Private Level Up plan via qualifying $500,000 12-month CRO staking/lockup; availability varies by jurisdiction
✓CRO rewards apply to the first $5,000/month in qualifying purchases under the standard reward schedule, then 1%; regional terms can differ
✓BTC option in France, Germany and Italy: 3% uncapped instead of 4.5% CRO
✓Up to 40% CRO rewards on Crypto.com Travel
✓Priority Support
✓Permanent subscription rebates for Spotify, Netflix and Truth+
✓Unlimited personal Priority Pass lounge access and travel experiences; complimentary guest access removed 1 September 2026 (1 October 2026 in EU, UK and LATAM markets), guests charged US$35-US$38 per visit
Plan
Midnight Blue
Ruby Steel
Jade Green / Royal Indigo
Icy White / Rose Gold
Obsidian
Cashback
0%
1.5%
2.5%
3.5%
4.5%
Price
Free
$4.99/month or $49.90/year Level Up Plus subscription, or $500 12-month CRO staking/lockup
$29.99/month or $299.90/year Level Up Pro subscription, or $5,000 12-month CRO staking/lockup
$50,000 12-month CRO staking/lockup
$500,000 12-month CRO staking/lockup
ATM fee
Free monthly allowance by region, then 2%all plans
FX fee
0.2–3% by region
0–3% by region
0–3% by region
0% in every region
0% in every region
Requirement
Basic Level Up plan; no subscription, CRO lockup or staking required
$4.99/month or $49.90/year Level Up Plus subscription, or $500 12-month CRO staking/lockup; availability varies by jurisdiction
$29.99/month or $299.90/year Level Up Pro subscription, or $5,000 12-month CRO staking/lockup; availability varies by jurisdiction
Private Level Up plan via qualifying $50,000 12-month CRO staking/lockup; availability varies by jurisdiction
Private Level Up plan via qualifying $500,000 12-month CRO staking/lockup; availability varies by jurisdiction
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
Basic is free; Level Up Plus and Pro have paid subscription options; Private requires qualifying CRO lockup/staking
FX spread
By region and plan — see the FX table below
Varies by region and tier
ATM withdrawal
Free monthly allowance by region and plan — see the table below
Monthly free ATM limit varies by region and card tier; 2% on amounts above the free limit. ATM operator surcharges count towards the free limit.
Crypto conversion
When spending crypto directly
Varies by transaction and jurisdiction
Issuance fee
One-off cost to get the card
Ruby and above: US$29.99 / EUR24.99 / S$39.99 for Level Up Plus monthly subscribers with less than 6 consecutive months of subscription. Free for annual subscribers, monthly subscribers with 6 or more consecutive months, or users with an active CRO lockup/stake. Re-issuance fee is waived when upgrading to a higher Level Up plan; shipping fees may still apply.
Inactivity fee
Charged if the card goes unused
US$5.95 per month after 12 months with no card activity (from 1 September 2026); €6 in Europe from 1 October 2026
FX FEES BY REGION
What foreign-currency spending costs
The fee on purchases in a currency other than your card's home currency, by where the card is issued and which plan you hold.
Crypto.com Visa foreign exchange fees by region and plan
Region
Midnight Blue
Ruby Steel
Jade Green / Royal Indigo
Icy White / Rose Gold · Obsidian
United States
3% on all non-USD purchases and ATM withdrawals
3%
3%
0%
Canada
2% on all non-CAD purchases and ATM withdrawals
0% up to C$700/month, then 2%
0% up to C$1,400/month, then 2%
0%
Australia / NZ-issued
3% on all non-AUD purchases and ATM withdrawals
0% up to A$700/month, then 3%
0% up to A$1,400/month, then 3%
0%
Singapore
2% (updated Sep 1)
0% up to S$600/month, then 2%
0% up to S$1,200/month, then 2%
0%
Europe
0.2% within EU/UK; 2% outside
0.2% within EU/UK; 0% up to €400/month outside, then 2%
0.2% within EU/UK; 0% up to €800/month outside, then 2%
0%
United Kingdom
0.2% within UK/EU; 2% outside
0.2% within UK/EU; 0% up to £400/month outside, then 2%
0.2% within UK/EU; 0% up to £800/month outside, then 2%
0%
Brazil / select LATAM
2% on non-USD purchases and ATM withdrawals
0% up to US$500/month, then 2%
0% up to US$1,000/month, then 2%
0%
FREE ATM ALLOWANCE
How much you can withdraw fee-free
The amount you can take out of ATMs each month before a fee applies, by where the card is issued and which plan you hold.
Crypto.com Visa fee-free monthly ATM withdrawal allowance by region and plan
Region
Midnight Blue
Ruby Steel
Jade Green / Royal Indigo
Icy White / Rose Gold
Obsidian
United States
US$200
US$400
US$800
US$1,000
US$1,000
Australia / NZ-issued
A$200
A$400
A$800
A$1,000
A$1,000
Singapore
S$200
S$400
S$800
S$1,000
S$1,000
Europe
€200
€400
€800
€800
€1,000
United Kingdom
£180
£360
£720
£720
£900
Brazil / select LATAM
US$180
US$360
US$720
US$900
US$900
Allowances reset monthly. Withdrawals above the free limit are charged 2%, and ATM operator surcharges count towards the free limit. Singapore-residential cardholders can use the allowance for overseas ATM withdrawals; local Singapore ATM withdrawals are not supported.
SPENDING LIMITS
How much you can spend
Published by the issuer and set per country. Figures are in each market's own currency.
Crypto.com Visa spending limits by country
Country
Tier
Per day
Per month
Per year
United States
Midnight Blue
$10,000
$15,000
—
United States
Ruby Steel and above
$25,000
$25,000
—
Europe
All tiers
€25,000
€25,000
€250,000
United Kingdom
All tiers
£22,000
£22,000
£220,000
Brazil / select LATAM
All tiers
$4,400
No monthly limit
$268,000
Canada
Midnight Blue
C$15,000
C$20,000
No annual limit
Canada
Ruby Steel and above
C$35,000
C$35,000
No annual limit
Covers in-store and online card purchases.
ATM WITHDRAWAL LIMITS
How much cash you can take out
The maximum total you can withdraw in each period. Set per country, in each market's own currency.
Crypto.com Visa ATM withdrawal limits by country, showing the maximum total value for each period
Country
Tier
Within 24 hours
Per month
Per year
United States
Midnight Blue
$500
$5,000
No annual limit
United States
Ruby Steel
$1,000
$10,000
No annual limit
United States
Jade Green / Royal Indigo and above
$2,000
$10,000
No annual limit
Europe
All tiers
€2,000
€10,000
€75,000
United Kingdom
All tiers
£1,800
£9,000
£66,000
Australia / NZ
All tiers
A$2,000
A$10,000
A$75,000
Brazil / select LATAM
All tiers
$400
$13,200
$22,000
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓No annual card fee
✓Up to 4.5% CRO rewards on eligible everyday spending with Level Up
✓Eligible users in France, Germany and Italy can choose BTC instead of CRO, at a lower rate but with no monthly cap on Private plans
✓Up to 40% CRO rewards on Crypto.com Travel
✓Higher Level Up plans offer Priority Support and airport lounge access
✓Virtual and physical cards available
LOOK ELSEWHERE IF
!No credit line — you're spending prepaid funds, not borrowing
!Higher Level Up benefits require a subscription, CRO lockup, or CRO staking depending on plan and jurisdiction
!Monthly subscribers get the cashback rate but no subscription rebates and no airport lounge access — those need an annual plan or an active CRO lockup/stake
!Choosing BTC rewards in France, Germany or Italy pays a lower headline rate than CRO
!Monthly inactivity fee after 12 months of no card activity (US$5.95 from 1 September 2026; EUR6 in Europe from 1 October 2026)
!Unstaking CRO or cancelling a subscription downgrades you to Basic at 0% rewards, and renewal reissues a card matching your Level Up plan rather than your old tier
!Benefits, fees and availability vary by region
!ATM fees can apply after the monthly free limit
STANDOUT FEATURES
What sets it apart
✦Four Level Up plans mapped across five prepaid card tiers
✦Up to 4.5% CRO rewards on eligible everyday spending
The Crypto.com Visa is available in Singapore, APAC, Australia & New Zealand, United States, Canada, European Union, United Kingdom, Brazil & select LATAM markets. Acceptance follows the Visa network, so it works anywhere that network is accepted within those regions. Availability by country can change — check the issuer's current list before applying.
Does the Crypto.com Visa have an annual fee?
+
Annual fee: Free. Monthly fee: Basic is free; Level Up Plus and Pro have paid subscription options; Private requires qualifying CRO lockup/staking. Issuance: Ruby and above: US$29.99 / EUR24.99 / S$39.99 for Level Up Plus monthly subscribers with less than 6 consecutive months of subscription. Free for annual subscribers, monthly subscribers with 6 or more consecutive months, or users with an active CRO lockup/stake. Re-issuance fee is waived when upgrading to a higher Level Up plan; shipping fees may still apply.. Fees can vary by region and tier, so confirm on the issuer's own page.
How much can I earn with the Crypto.com Visa?
+
The headline rate is Up to 4.5% (Everyday spending rewards are determined by the Level Up plan: Basic 0%, Plus 1.5%, Pro 2.5%, Private $50,000 3.5%, and Private $500,000 4.5%. Standard CRO reward caps are $750 for Plus, $1,500 for Pro, $3,000 for Private $50,000 (then 0.5%), and $5,000 for Private $500,000 (then 1%), but applicable regional terms can provide different caps. Eligible users in France, Germany and Italy on Plus, Pro or Private can choose BTC instead of CRO, but BTC rates are lower: Plus 1% (first $1,250), Pro 1.5% (first $2,500), Private $50,000 2% (uncapped), Private $500,000 3% (uncapped). The monthly cap is shared between BTC and CRO. Subscription rebates and airport lounge access require an annual subscription or an active CRO lockup/stake; monthly subscribers are not eligible for either.). Check the card's reward terms for eligible spending, tiers, caps, and any conditions that apply.
Does it work with Apple Pay and Google Pay?
+
Apple Pay and Google Pay are supported.
Figures on this page come from Crypto.com's published card terms and were verified on September 16, 2026. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
