- 1. Key Takeaways
- 2. Is the Crypto.com Visa Card Worth It?
- 3. Crypto.com Visa Card at a Glance
- 4. Crypto.com Card Tiers and Rewards in 2026
- 5. Crypto.com Card Rewards Math: Break-Even by Plan
- 6. How Do Crypto.com Card Rewards Work, and How Can You Maximize Them?
- 7. Crypto.com Card Fees and Limits
- 8. How the Crypto.com Card Works
- 9. Where the Crypto.com Card Is Available
- 10. Crypto.com Card vs. Other Crypto Cards
- 11. Pros and Cons
- 12. Blockchainreporter's Verdict
- 13. Frequently Asked Questions
Last Updated: November 10, 2026
The Crypto.com Visa Card is worth it for people who spend at least a few hundred dollars a month on the card and are comfortable being paid rewards in CRO, Crypto.com’s own token.
Since the September 2025 overhaul, the prepaid card earns nothing unless you join a paid Level Up plan or lock up CRO for a year, and rewards are capped each month: 1.5% on the first $750 of spending on the Plus plan and 2.5% on the first $1,500 on the Pro plan. On a monthly subscription, Plus breaks even at about $333 of monthly spending and Pro at about $1,200.
That makes the card a reasonable choice for regular spenders who would use the extras, such as streaming rebates, airport lounge visits and fee-free trading in the Crypto.com app, but a poor one for occasional users. CRO is about 95% below its 2021 peak, so the value of rewards can fall after you earn them, and Crypto.com has cut card benefits several times since 2022.
Key Takeaways
- No plan, no rewards: the free Basic card earns 0%; rewards require a Level Up subscription or a 12-month CRO lockup.
- Capped cashback: 1.5% (Plus), 2.5% (Pro), 3.5% (Private) and 4.5% (top Private tier), each on a limited amount of monthly spending, paid in CRO.
- Break-even: on monthly plans, about $333 a month of spending for Plus and about $1,200 for Pro; annual plans lower that to about $277 and $1,000.
- Benefits keep shrinking: Protos reported cuts to lockup rewards that took effect on September 10, 2026, and Crypto.com’s help center now limits Pro members to two Priority Pass lounge visits a year and no longer gives Private members a free guest.
- The US is different: Crypto.com now leads in the US with a Visa Signature credit card issued by Comenity Capital Bank, which pays 1.5% in CRO even on the free Basic plan, alongside the prepaid card.
Is the Crypto.com Visa Card Worth It?
In Blockchainreporter’s assessment, the Crypto.com Visa Card is worth it only if you spend enough every month to cover a Level Up subscription and you are happy to be paid in CRO.
For a regular spender on the Plus plan, the best case is about $85 a year after the fee; for a heavy spender on Pro, about $150 a year, plus perks such as lounge visits and fee-free trading. For occasional users, and for anyone who would have to lock up CRO they would not otherwise hold, it is usually not worth it.
| If you are… | Best option | Yearly math at the cap (US prices) | Verdict |
|---|---|---|---|
| An occasional spender (under ~$300 a month) | Basic, free | 0% rewards on the prepaid card | Not worth it for rewards |
| A regular spender ($350 to $750 a month) | Plus, annual plan ($49.90) | 1.5% on $750 = $135 a year, minus $49.90 = ~$85 | Worth it if you spend near the cap |
| A heavy spender ($1,500 or more a month) | Pro, annual plan ($299.90) | 2.5% on $1,500 = $450 a year, minus $299.90 = ~$150 | Worth it mainly for travel perks |
| A long-term CRO holder | Pro or Private via a 12-month CRO lockup | Card rewards plus lockup yield equal ~12% to 13% of a $5,000 Pro stake, or ~7.5% of a $50,000 Private stake at the 5% lockup rate Protos reported | Only if you accept CRO price risk |
| A US resident who wants a free card | Crypto.com Visa Signature credit card | 1.5% in CRO on Basic, no annual fee | Usually beats the prepaid card |
| Someone who wants no token exposure | A card paying BTC or stablecoins | No CRO risk | Look at the alternatives below |
Blockchainreporter’s calculations from Crypto.com’s published plan prices, reward rates and monthly caps, with CRO at about $0.047 on November 10, 2026. They assume all spending is eligible and that rewards keep their value when paid.
In the US, members who use the Visa Signature credit card instead earn 3.5% on Plus, 4.5% on Pro and 5% or 6% on Private in CRO without a monthly cap, according to Crypto.com’s US Level Up pages, so the prepaid math above understates their returns.
Rewards are paid in CRO, and CRO has been falling. At the November 10 price, the Plus cap of $11.25 a month is about 238 CRO and the Pro cap of $37.50 is about 794 CRO. CRO is down about 22% in the past 30 days and about 64% over the past year, according to CoinMarketCap, so rewards can lose value quickly after you earn them.
A lockup turns the card into a bet on CRO. The $5,000 Pro lockup is about 105,900 CRO at the November 10 price.
Card rewards at the cap ($450 a year) plus the lockup yield come to about $600 to $650 a year, or 12% to 13% of the stake, depending on whether the yield is 3% or 4%: Crypto.com’s US Pro page still listed 4% on November 3, while Protos reported that rewards on new lockups were cut to 3% on September 10, 2026.
A fall in CRO of more than about 12% to 13% over the 12-month lockup would wipe out that gain. Had CRO fallen 64% during a lockup, as it did over the past year, a $5,000 stake would be worth less than $1,800. Locked CRO also takes about 36 days to unbond after the year ends.
Fees can cancel the rewards. US prepaid cards pay a 3% foreign exchange fee on Basic, Plus and Pro, a $5.95 monthly inactivity fee can apply to dormant cards and topping up with a credit card costs 2.99%. A single trip abroad on a US Plus card can cost more in FX fees than a month of cashback.
Prepaid cards are one route into crypto spending, and vouchers are another. See how prepaid vouchers meet Web3 in consumer payments.
Crypto.com Visa Card at a Glance
| Feature | Details |
|---|---|
| Card type | Prepaid Visa card (US: also a Visa Signature credit card) |
| Rewards | 0% to 4.5%, capped monthly, paid in CRO (BTC option in France, Germany and Italy) |
| How to unlock rewards | Level Up subscription or a 12-month CRO lockup |
| Monthly or annual card fee | None for the card itself; Level Up plans are paid |
| Card issuance fee | €4.99, £4.99 or $4.99 for Basic |
| Foreign exchange fee | Varies by region and plan, from 0% (Private) to 3% (US Basic, Plus and Pro) |
| Free ATM withdrawals | $200 to $1,000 a month by plan in the US; €200 to €1,000 in the EEA; £180 to £900 in the UK |
| Mobile wallets | Apple Pay (not in the UK, Bahrain or the GCC), Google Pay and, in the US, Samsung Pay |
| Main regions | US (except New York), EEA, UK, Canada, Australia, Singapore, Bahrain and select GCC markets |
Sources: Crypto.com cards pages and Crypto.com help center fee schedules, accessed October 23 and October 29, 2026, and rechecked November 3, 2026.
Crypto.com Card Tiers and Rewards in 2026
Since November 2024, card benefits follow your Level Up plan rather than the color of your card. The old card names still map onto the plans: Midnight Blue is Basic, Ruby Steel is Plus, Jade Green and Royal Indigo are Pro, Icy White and Frosted Rose Gold are the $50,000 Private tier, and Obsidian is the $500,000 Private tier.
| Plan (Card) | Monthly / Annual Subscription | Or CRO Lockup | Card Rewards | Monthly Reward Cap |
|---|---|---|---|---|
| Basic (Midnight Blue) | Free | None | 0% | None |
| Plus (Ruby Steel) | $4.99 / $49.90 | $500 (US) | 1.5% | First $750 of spending |
| Pro (Jade Green, Royal Indigo) | $29.99 / $299.90 | $5,000 (US) | 2.5% | First $1,500 of spending |
| Private (Icy White, Frosted Rose Gold) | Not available | $50,000 | 3.5% | First $3,000, then 0.5% |
| Private (Obsidian) | Not available | $500,000 | 4.5% | First $5,000, then 1.0% |
US prices from Crypto.com’s US Level Up and cards pages. EEA prices are €3.99 and €24.99 a month (€39.90 and €249.90 a year), or €450 and €4,500 in CRO, and the EEA Private lockups are €45,000 and €450,000; UK prices are £3.99 and £24.99 a month (£39.90 and £249.90 a year), or £400 and £4,000, and the UK Private lockups are £40,000 and £400,000.
Reward rates and caps from Crypto.com’s US, EEA and UK cards pages and fee schedules, checked November 3, 2026. Caps reset at 00:00 UTC on the first of each month.
Rewards are paid in CRO shortly after each purchase. Since June 3, 2026, eligible Plus, Pro and Private cardholders in France, Germany and Italy can choose BTC instead, at 1% to 3%, according to Crypto.com’s help center. Some spending earns nothing, including rent, utilities, insurance, taxes and government payments, transfers, card loads and brokerage, according to Crypto.com’s list of excluded merchant categories.
CRO lockups carry extra risk. Stakes are locked for 365 days and take about 36 days to unbond. According to Protos, Crypto.com cut rewards on new lockups on September 10, 2026: Pro from 4% to 3%, the $50,000 Private tier from 8.5% to 5% and the $500,000 tier from 9% to 6%.
Crypto.com’s own plan pages showed different figures on November 3, 2026: the US and EEA Pro pages still listed a 4% yield, and the EEA Level Up page listed 8.5% and 9.5% for the two Private lockups, so check the rate offered in the app before you lock up CRO.
What Are the Different Types of Crypto.com Visa Cards and Their Benefits?
Crypto.com offers five prepaid Visa card tiers, each tied to a Level Up plan: Midnight Blue (Basic, free), Ruby Steel (Plus), Jade Green or Royal Indigo (Pro), Icy White or Rose Gold (Private, $50,000 CRO lockup) and Obsidian (Private, $500,000 lockup). Benefits and limits rise with the tier: more capped cashback, longer streaming rebates, lounge visits, zero-fee trading and larger free ATM withdrawals.
| Tier (Card) | Card Rewards | Streaming Rebates | Airport Lounges | Zero-Fee Trading | Free ATM Monthly (US / EEA / UK) |
|---|---|---|---|---|---|
| Basic (Midnight Blue) | 0% | None | None | None | $200 / €200 / £180 |
| Plus (Ruby Steel) | 1.5% on first $750 | Spotify, Truth+: 3 months | None | $20,000 a month | $400 / €400 / £360 |
| Pro (Jade Green, Royal Indigo) | 2.5% on first $1,500 | All three: 6 months | 2 visits a year | $50,000 a month | $800 / €800 / £720 |
| Private (Icy White, Rose Gold) | 3.5% on first $3,000, then 0.5% | All three: permanent | Unlimited | Unlimited | $1,000 / €800 / £720 |
| Private (Obsidian) | 4.5% on first $5,000, then 1% | All three: permanent | Unlimited | Unlimited | $1,000 / €1,000 / £900 |
Sources: Crypto.com’s US, EEA and UK cards pages and help center, November 3, 2026. Rebates (Spotify, Netflix, Truth+) and lounge visits need an annual plan or a CRO lockup.
Within each region, every tier shares the same monthly caps on ATM withdrawals ($10,000, €10,000 or £9,000; $5,000 on US Basic) and top-ups ($25,000, €25,000 or £22,000), and ATM withdrawals above the free allowance cost 2%.
Are There Airport Lounge Access Perks With Crypto.com Cards?
Yes, but only on the Pro and Private tiers, and only for members who pay annually or hold an active CRO lockup. Crypto.com’s lounge benefit runs through Priority Pass: Pro members get two complimentary visits per calendar year and Private members get unlimited visits, according to Crypto.com’s help center article on Priority Pass access, dated August 12, 2026. Basic, Plus and monthly subscribers get no lounge access.
The benefit was cut in 2026. Pro fell from four visits a year to two, and Private lost its free guest, from September 1, 2026 in the US and most markets and from October 1, 2026 in the EU, UK and Latin America.
Guests now cost US$35 or US$38 per visit, depending on the lounge, and Pro members who had already used two or more visits in 2026 get no more until the allowance resets on January 1, 2027. Some Crypto.com plan pages, including the US and EEA Pro pages, still mentioned four yearly visits on November 3, 2026.
To register:
- In the Crypto.com app, open Level Up, tap Airport lounge access and copy your invitation code.
- Create a Priority Pass account with that code and complete the registration.
- Download the Priority Pass app and show its digital membership card with your boarding pass, keeping enough balance on your card for the lounge’s pre-authorization check.
Crypto.com Card Rewards Math: Break-Even by Plan
The subscription has to pay for itself before the card earns you anything. Using US prices:
| Plan | Cost per Month | Break-Even Monthly Spending | Maximum Monthly Cashback | Maximum Net Gain per Month |
|---|---|---|---|---|
| Plus, monthly | $4.99 | ~$333 | $11.25 | ~$6.26 |
| Plus, annual | ~$4.16 | ~$277 | $11.25 | ~$7.09 |
| Pro, monthly | $29.99 | ~$1,200 | $37.50 | ~$7.51 |
| Pro, annual | ~$24.99 | ~$1,000 | $37.50 | ~$12.51 |
Our calculations from Crypto.com’s published prices, reward rates and caps. Figures assume all spending is eligible and value CRO rewards at the time they are paid.
The cashback alone adds up to little: even at the cap, Pro on an annual plan leaves about $150 a year after the subscription. The plans make more sense if you would use the extras:
- Streaming rebates: rebates of up to $13.99 a month each for Spotify and Netflix and up to $9.95 for Truth+: Spotify and Truth+ for three months on Plus, all three for six months on Pro and permanently on Private, according to Crypto.com’s help center. Monthly subscribers do not get them.
- Airport lounges: Pro members with an annual plan or lockup get two Priority Pass visits a calendar year, and Private members get unlimited visits without a free guest; the lounge section above explains the 2026 changes.
- Trading fees: zero trading fees in the Crypto.com app on up to $20,000 a month for Plus and $50,000 for Pro, and without a limit on Private.
- Travel bookings: higher rewards on Crypto.com Travel, up to 20% for Plus and 25% for Pro.
The main risk is the token. Rewards arrive in CRO, which traded near $0.047 on November 10, 2026, about 95% below its November 2021 peak of about $0.97, according to CoinMarketCap; CoinGecko records a slightly lower peak. CRO’s supply also rose from 30 billion to 100 billion tokens after a March 2025 governance vote to reissue previously burned tokens.
How Do Crypto.com Card Rewards Work, and How Can You Maximize Them?
Crypto.com card rewards are a fixed percentage of each eligible purchase, credited in CRO shortly after you spend, up to a monthly spending cap set by your Level Up plan. The cap resets at 00:00 UTC on the first day of each month, according to Crypto.com’s help center. Most of the value comes from picking the right plan and avoiding the costs that cancel the cashback:
- Pay annually. Annual Plus and Pro plans cost about 16% less than monthly billing, and only annual members and CRO lockups get streaming rebates and, on Pro, lounge visits.
- Spend up to the cap, not past it. Plus stops paying after $750 of monthly spending and Pro after $1,500.
- Move streaming bills to the card. Spotify, Netflix and Truth+ rebates cover up to $13.99, $13.99 and $9.95 a month; card rewards then apply only to any amount above the rebate.
- Skip excluded spending. Rent, utilities, insurance, taxes, transfers and card loads earn no rewards.
- Load with fiat and watch FX fees. Crypto top-ups can be taxable sales, and US Basic, Plus and Pro cards pay 3% on foreign purchases.
- In the US, compare the credit card. It pays 1.5% to 6% in CRO with no monthly cap, or BTC at the same rate up to a monthly spending limit; after the first choice, switching tokens takes effect the following month.
Rewards still carry CRO price risk: CRO fell about 64% over the past year, according to CoinMarketCap.
Crypto.com Card Fees and Limits
| Fee or Limit | EEA | UK | US (Prepaid) |
|---|---|---|---|
| Card issuance (Basic) | €4.99 | £4.99 | $4.99 |
| Inactivity fee | €6/month after 12 months (from October 1, 2026) | £6/month after 12 months (from October 1, 2026) | $5.95/month after 12 months (from September 1, 2026) |
| Foreign exchange fee | Basic 0.2% in EU/UK, 2% outside; Plus and Pro free up to €400 and €800 a month outside; Private 0% | Basic 0.2% in UK/EU, 2% outside; Plus and Pro free up to £400 and £800 a month outside; Private 0% | 3% for Basic, Plus and Pro; 0% for Private |
| Card top-up | 1% by debit or credit card | 1% by debit or credit card | 1% debit, 2.99% credit card |
| Free ATM per month | €200 to €1,000 by plan, then 2% | £180 to £900, then 2% | $200 to $1,000, then 2% |
| Spending limit | €25,000 a month, €250,000 a year | £22,000 a month, £220,000 a year | $25,000 a month ($15,000 for Basic) |
Sources: Crypto.com help center fee schedules for the EEA, UK and US, including changes effective September 1 and October 1, 2026, rechecked November 3, 2026.
Selling and Withdrawing Crypto in the Crypto.com App
Topping up the card with crypto means selling it in the Crypto.com App, and the app’s costs are separate from the card fees above. Crypto.com’s Level Up pages offer zero crypto trading fees on up to $20,000 of trades a month on Plus and $50,000 on Pro, but note that “other transaction fees and spread may still apply.” Compare the app’s quoted price with the market price before you sell.
Crypto withdrawal fees differ from coin to coin. Crypto.com’s help center points users to Fees & Limits in the app’s settings for current fees and minimums, and caps crypto withdrawals at 10 BTC or its equivalent per rolling 24 hours. NerdWallet’s January 2026 review listed Bitcoin withdrawal fees of 0.0002 BTC for small amounts and 0.0004 BTC for larger ones. Always pick a network your receiving wallet supports.
How the Crypto.com Card Works
The card is prepaid: you load it from the Crypto.com app with fiat, your app cash balance or crypto, and spend anywhere Visa is accepted. When you top up with crypto, the app converts it to fiat at the time of loading.
That conversion matters for tax. In the US, the IRS treats exchanging virtual currency for other property or currency as a taxable disposal, according to its virtual currency FAQ, and the UK’s HMRC takes the same view. Loading the card from fiat avoids that step. Our crypto taxes guide covers the rules in more detail.
In the US, Crypto.com now also offers a Visa Signature credit card issued by Comenity Capital Bank, part of Bread Financial, with no annual fee and rewards in CRO or, since May 2026, BTC. Its terms differ from the prepaid card; our Crypto.com Visa Signature credit card review covers it in detail, and the US cards page lists current rates.
Where the Crypto.com Card Is Available
| Region | Card Issuer |
|---|---|
| United States | Prepaid: Community Federal Savings Bank; credit card: Comenity Capital Bank |
| EEA | Foris MT Limited (Malta), shipped to 30 European countries |
| United Kingdom | ForisGFS UK Ltd, an FCA-authorized electronic money institution |
| Canada | Digital Commerce Bank, loads in CAD only |
| Australia | Foris GFS Australia Pty Ltd |
| Singapore | Foris Asia Pte Ltd |
| Bahrain and select GCC markets | USD prepaid Mastercard |
Sources: Crypto.com regional cards pages and help center, accessed October 23, 2026. We could not confirm a dedicated card for UAE residents; Crypto.com’s UAE license covers its payment services rather than a card program.
New York residents cannot currently get either card. Crypto.com’s US cards page says you apply for its cards through the Crypto.com App, and its help center lists New York as a restricted state for the app, adding that the company is evaluating how to offer its services there. Blockchainreporter found no 2026 announcement that changes this.
Crypto.com Card vs. Other Crypto Cards
| Card | Type and Regions | Rewards | Key Costs |
|---|---|---|---|
| Crypto.com Visa Card | Prepaid; US, EEA, UK, Canada, Australia, Singapore | 0% to 4.5% in CRO, capped | Paid plan or CRO lockup needed for rewards |
| Coinbase One Card | Amex credit card; US | 2% to 4% back in bitcoin, based on assets held on Coinbase | Requires a Coinbase One membership |
| Coinbase Card | Visa debit; US | Variable crypto rewards | No spending fee; a spread applies when spending crypto |
| Bybit Card | Mastercard; EEA, APAC, LATAM and others | 2% to 10% in USDT, BTC or USDC, capped by tier | 2% FX fee outside the EEA version |
| Nexo Card | Mastercard; EEA and UK | 0.5% to 2% in NEXO or 0.1% to 0.5% in BTC | No annual fee; 2% FX outside the EEA |
| Gemini Credit Card | Mastercard credit card | Up to 4% on gas and transit, 3% dining, 2% groceries, 1% other | No annual fee, no FX fee |
Sources: issuers’ official card pages, accessed October 23, 2026, and media reports. Terms change often; check the issuer’s site before applying.
The Crypto.com card stands out for availability, with app support across most major markets, and for the perks on higher plans. It falls behind cards that pay rewards in bitcoin or stablecoins without a subscription, especially for people who do not want exposure to CRO.
The free Midnight Blue card is Crypto.com’s weakest option for rewards: the prepaid version earns 0% on everyday spending and up to 5% on Crypto.com Travel bookings, while the US Midnight Blue credit card pays 1.5% in CRO with no annual fee.
In Blockchainreporter’s ranking of the best crypto exchanges, Crypto.com scores 6.2 out of 10 and is the pick for app users and card spending. Our reviews of Coinbase and Bybit cover their exchanges in detail, and our crypto exchange reviews cover more platforms.
Pros and Cons
| Pros | Cons |
|---|---|
| Available in the US, EEA, UK, Canada, Australia and Singapore | No rewards without a paid plan or CRO lockup |
| Rewards credited in the app shortly after each purchase | Rewards paid in CRO, which is about 95% below its peak |
| Streaming rebates, lounge access and fee-free trading on higher plans | Monthly caps on cashback; benefits cut repeatedly since 2022 |
| Apple Pay and Google Pay support | FX fees on lower plans and inactivity fees after 12 months |
| Top up with crypto or fiat | Crypto top-ups can trigger capital gains tax |
Blockchainreporter’s Verdict
The Crypto.com Visa Card is still one of the most widely available crypto cards, but it is no longer the generous product it was before 2022. Plus is worth it if you spend roughly $300 to $750 a month on eligible purchases and would use the card for travel and streaming.
Pro only pays off above about $1,000 to $1,200 of monthly spending, and even at its cap leaves only about $150 a year on an annual plan, so it is mainly worth it for the two yearly lounge visits and the trading fee waiver.
The Private tiers depend on locking up $50,000 or more in CRO for a year, a large bet on a volatile token whose lockup rewards, according to Protos, were cut again in September 2026. If you want crypto rewards without that exposure, a card that pays in bitcoin or stablecoins is the simpler choice.
Data sources: Crypto.com cards pages, Level Up pages and help center fee schedules for the EEA, UK, US, Canada, Australia, Singapore and GCC; CoinGecko and CoinMarketCap (CRO price); The Block (CRO supply vote); Protos (September 2026 lockup changes); the IRS and HMRC (tax treatment); and the official card pages of Coinbase, Bybit, Nexo and Gemini, as of October 23, 2026.
Tiers, lockup amounts, cashback rates and caps, streaming rebates, lounge rules and fees were rechecked on November 3, 2026, using Crypto.com’s US, EEA and UK cards and Level Up pages, its help center articles on card rewards and benefits, Priority Pass lounge access, fees and limits, BTC rewards, virtual cards, Apple Pay and Google Pay, its May 2026 BTC rewards announcement, Protos and CoinMarketCap.
The CRO price and the figures based on it were updated on November 10, 2026, using CoinMarketCap data.
App selling and withdrawal fees and New York availability were checked on November 11, 2026, using Crypto.com’s Level Up pages, US cards page and help center, and NerdWallet’s Crypto.com review (updated January 21, 2026).
This article is for informational purposes only and does not constitute financial advice. Card terms change frequently; always check the issuer’s current terms before applying.
Frequently Asked Questions
Is the Crypto.com Visa Card worth it?
In Blockchainreporter’s assessment, it is worth it only for regular spenders. The free Basic prepaid card earns nothing, so you need a paid Level Up plan or a CRO lockup. At the monthly caps, Plus on an annual plan nets about $85 a year and Pro about $150, paid in CRO, which fell about 64% over the past year. Occasional users and people who want no token exposure should look elsewhere.
What are the benefits and drawbacks of the Crypto.com Visa card?
The main benefits are wide availability, rewards credited shortly after each purchase, streaming rebates, Priority Pass lounge visits on Pro and Private, zero-fee trading allowances and Apple Pay and Google Pay support. The drawbacks are that the free Basic prepaid card earns nothing, cashback is capped each month and paid in volatile CRO, and Crypto.com cut lounge visits and lockup rewards again in 2026.
How much cashback does the Crypto.com card give?
Rewards are 0% on Basic, 1.5% on Plus for the first $750 of monthly spending, 2.5% on Pro for the first $1,500, 3.5% on the $50,000 Private tier for the first $3,000 and 4.5% on the $500,000 tier for the first $5,000. Spending above the caps earns 0.5% to 1% on Private plans. Rewards are paid in CRO.
How can I maximize Crypto.com card rewards?
Pay for Plus or Pro annually: it costs about 16% less than monthly billing and, like a CRO lockup, unlocks streaming rebates and, on Pro, lounge visits. Spend close to your monthly cap, $750 on Plus or $1,500 on Pro, avoid excluded categories such as rent and taxes, load the card with fiat rather than crypto, and remember that CRO rewards can lose value.
Is it worth locking up CRO for the Crypto.com card?
Only if you already want to hold CRO for a year. A $5,000 Pro lockup earns card rewards and a lockup yield worth about 12% to 13% of the stake at the spending cap, but a fall in CRO of more than about 12% to 13% during the 12-month lockup would erase that gain. Protos reported that lockup rewards were cut on September 10, 2026.
Do I need to stake CRO for the Crypto.com card?
Not for Plus or Pro. Since September 2025, you can unlock those plans with a monthly or annual subscription instead of locking up CRO. The Private tiers still require a 12-month CRO lockup of $50,000 or $500,000. Lockups take about 36 days to unbond, and Protos reported cuts to lockup rewards that took effect on September 10, 2026.
Do Crypto.com cards include airport lounge access?
Yes, on the Pro and Private tiers, for members on an annual plan or a CRO lockup. Access runs through Priority Pass: Pro members get two free visits per calendar year, down from four, and Private members get unlimited visits. Private members’ guests stopped being free in September 2026 in the US and in October 2026 in the EU and UK, and now cost $35 or $38.
What are the Crypto.com card fees?
The card has no monthly or annual card fee, but Basic costs €4.99, £4.99 or $4.99 to issue and an inactivity fee applies after 12 months. Foreign exchange fees range from 0% on Private to 3% on US Basic, Plus and Pro, and free ATM withdrawals run from about $200 to $1,000 a month depending on your plan.
Why do Crypto.com selling fees seem high?
App prices can include a spread, so selling can cost more than the headline fees suggest. Level Up members get zero crypto trading fees on up to $20,000 of trades a month on Plus and $50,000 on Pro, but Crypto.com says other fees and the spread may still apply. Compare the app’s quote with the market price, and remember that crypto top-ups for the card are sales too.
What are Crypto.com’s crypto withdrawal fees?
They differ from coin to coin. Crypto.com’s help center points users to Fees & Limits in the app’s settings for current fees and minimum amounts, and caps crypto withdrawals at 10 BTC or its equivalent per rolling 24 hours. NerdWallet’s January 2026 review listed 0.0002 BTC for small Bitcoin withdrawals and 0.0004 BTC for larger ones. Always pick a network your receiving wallet supports.
Is the Crypto.com card available in the US?
Yes, except in New York, where the Crypto.com App is restricted. Other US residents can get the prepaid Visa card, issued by Community Federal Savings Bank, and a Visa Signature credit card issued by Comenity Capital Bank with no annual fee. The credit card pays rewards in CRO or, since May 2026, in BTC. Its rates and caps differ from the prepaid card, so check Crypto.com’s US cards page.
Does the Crypto.com card work in New York?
Not for New York residents. Crypto.com’s US cards page says you apply for its cards through the Crypto.com App, and its help center lists New York as a restricted state for the app, adding that the company is evaluating how to offer services there. Blockchainreporter found no 2026 announcement changing that. Cards issued elsewhere still work at New York merchants that accept Visa.
Can I add the Crypto.com virtual card to Apple Pay?
Yes, in most regions. Crypto.com issues a virtual card once your card application is approved, and you can add it to Apple Pay from the Card tab in the Crypto.com app while you wait for the physical card. Apple Pay works with cards issued in the US, Canada, the EU and Australia, but not in the UK, Bahrain or the GCC, where Google Pay is supported instead.
How does the Crypto.com Midnight Blue card compare to other crypto cards?
Midnight Blue is Crypto.com’s free Basic card and its weakest option for rewards. The prepaid version earns 0% on everyday spending, while the US Midnight Blue credit card pays 1.5% in CRO with no annual fee. Rivals such as the Gemini Credit Card in the US, or the Bybit and Nexo cards in Europe, pay rewards without a subscription, though each has its own caps and fees.
Is spending crypto with the Crypto.com card taxable?
Usually yes. When you top up the card with crypto, the app sells it for fiat, which counts as a taxable disposal in the US under IRS guidance and in the UK under HMRC rules. You may owe tax on any gain since you bought the crypto. Loading the card with fiat currency avoids this step.
About the author
Tokoni Uti is a Lagos-based writer with several years of experience. Her work has appeared in the Huffington Post, the Los Angeles Free Press and the San Diego Free press among others. She is a graduate of Bowen University.
