Crypto.com
Crypto.com Card Review: Cashback, Fees, & Perks
The Crypto.com Visa Card is a prepaid card with benefits linked to a paid Level Up plan or a CRO requirement. Card spending rewards are paid in CRO and range from 0% on Basic to 5% on the highest Private level.
Basic provides a free entry point, while Plus and Pro add card rewards, 0% foreign-exchange fees, travel benefits, and selected entertainment rebates. Private levels use CRO requirements instead of monthly subscription fees and provide the highest spending rewards.
The card is best suited to active Crypto.com users who can use its wider trading, staking, and travel features. Users who only want flat cashback without a subscription or CRO requirement may prefer a simpler rewards card.
Official card page: https://crypto.com/cards
Crypto.com Card at a Glance
| Feature | Details |
|---|---|
| Card network | Visa |
| Card type | Prepaid card |
| Rewards currency | CRO |
| Card spending rewards | 0%–5%, depending on the level |
| Physical card | Free, with no shipping fee |
| Mobile wallets | Apple Pay and Google Pay |
| Funding | SEPA bank transfers, crypto deposits, card purchases, and Apple Pay purchases |
Cashback and Rewards
Eligible card spending earns CRO according to the selected level. Basic has no spending rewards, Plus earns up to 2%, Pro earns 3%, and the two Private levels earn 4% and 5%.
Travel rebates, entertainment rebates, and staking returns are separate benefits rather than part of the card’s standard cashback rate.
| Level | Requirement | Card Spending Rewards |
|---|---|---|
| Basic | Free | 0% |
| Plus | €3.99/month | Up to 2% |
| Pro | €24.99/month | 3% |
| Private | €45,000 in CRO | 4% |
| Private | €450,000 in CRO | 5% |
Card Fees
Basic has no subscription fee. Plus costs €3.99 per month after a one-month free trial, while Pro costs €24.99 per month.
The two Private levels require €45,000 or €450,000 in CRO rather than a monthly subscription. Plus, Pro, and Private include 0% foreign-exchange fees.
The physical card is free, with no shipping fee.
| Level | Fee or CRO Requirement | Foreign-Exchange Fee |
|---|---|---|
| Plus | €3.99/month after the trial | 0% |
| Pro | €24.99/month | 0% |
| Private | €45,000 in CRO | 0% |
| Private | €450,000 in CRO | 0% |
Paymentscan Testing
On 13 July 2026 at 18:32, Paymentscan made a PLN 3.20 purchase with the Crypto.com Card. Crypto.com charged €0.74.
The contemporaneous benchmark rate was €1 = PLN 4.33369, giving an expected transaction value of approximately €0.7384. The observed foreign-exchange markup was approximately 0.22%.
This was a single test transaction rather than a fixed rate for every currency or purchase.
Funding Your Crypto.com Card
Crypto.com supports euro funding through SEPA and onchain deposits for more than 200 assets, including CRO, Bitcoin, Ether, BNB, and USDT.
USDC deposits are available across networks including Ethereum, Cronos, Solana, Arbitrum, Avalanche, Stellar, Optimism, Polygon, Base, zkSync Era, Near, Sui, Hedera, Algorand, Aptos, and Polkadot Asset Hub.
Users can also buy crypto with a payment card or Apple Pay, then move eligible funds into the prepaid card balance before spending.
Additional Features
Travel Benefits
Basic earns up to 5% back on eligible Crypto.com Travel bookings. Plus raises the travel rate to 20%, while Pro provides up to 25% back and includes airport lounge access.
These travel rebates are separate from standard card spending rewards.
Entertainment Rebates
Plus provides three months of Spotify and Truth+ rebates with an annual subscription. Pro provides six months of Spotify, Netflix, and Truth+ rebates with an annual subscription.
Trading and Earn Features
Plus includes zero-fee trading on up to US$20,000, while Pro increases the allowance to US$50,000. Private includes zero-fee trading.
The wider Crypto.com account also supports Crypto Earn, onchain staking, DeFi staking, Airdrop Arena allocations, and Supercharger campaigns.
Availability and User Experience
Identity verification uses Onfido, with Jumio used for proof-of-address checks.
Paymentscan completed onboarding in approximately 10 minutes on an iPhone. Apple Pay and Google Pay are supported, with Apple Pay added automatically during the tested flow.
Who Is This Card For?
Basic suits users who want a free Crypto.com card without spending rewards. Plus and Pro are better suited to regular spenders who can use the travel, foreign-exchange, lounge, entertainment, or trading benefits.
Private is aimed at users who meet the CRO requirements and want the highest card spending rewards. Users who do not need the wider Crypto.com features may find a standalone cashback card easier to manage.
How to Sign Up for Crypto.com Card
- Install the Crypto.com app and create an account.
- Complete identity verification and any requested proof-of-address check.
- Fund the account through SEPA, a supported crypto deposit, or an available purchase method.
- Choose Basic, Plus, Pro, or Private, then complete the subscription or CRO requirement for that level.
- Request the Visa card and add it to Apple Pay or Google Pay.