The Crypto.com Visa Card*The information for the Crypto.com Visa Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is actually a suite of debit card products that offer rewards for crypto investors. The more you stake, the more benefits you unlock.
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Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 50+ cards analyzed.
- 8 data points considered.
- 5-step fact-checking process.
About the Crypto.com Visa Card
Crypto.com is best known for its cryptocurrency Cronos (CRO), but you might not know the company also offers a suite of Visa card products that allow crypto investors to earn rewards and benefits.
The Crypto.com Visa Card works like a prepaid card, meaning you’ll have to add any money to your account that you want to spend. It comes with five different rewards tiers and benefits based on the amount of money you “lock up” or stake in your Crypto.com account for six months. The more you stake, the better your benefits. Tiers are broken down as follows:
- Midnight Blue: No CRO lock up requirement.
- Ruby Steel: At least $400 CRO lock u.p.
- Royal Indigo or Jade Green: At least $4,000 CRO lock up.
- Frosted Rose Gold or Icy White: At least $40,000 CRO lock up.
- Obsidian: At least $400,000 CRO lock up.
Rewards are earned in the form of CRO credit to your Crypto.com wallet, with Midnight Blue cardholders earning no rewards, Ruby Steel earning 1% back, Royal Indigo and Jade Green earning 2% back, Frosted Rose Gold and Icy White earning 3% back and Obsidian earning 5% back. Ruby Steel cardholders are also limited to a $25 rewards cap each month, while Royal Indigo and Jade Green cardholders are limited to $50.
Benefits grow the more you stake with Crypto.com, with highlights including credits for Spotify, Netflix and Amazon Prime memberships as well as airport lounge access, depending on your tier. These are pretty good rewards for a prepaid card, considering they’re usually reserved for premium credit cards. But to unlock the best of the batch, you’ll have to stake quite a bit of CRO.
As a prepaid card, the Crypto.com Visa doesn’t charge a traditional annual fee. However, your card may incur a foreign transaction fee when used abroad, depending on your tier. Depending on your membership tier, your card will have an associated ATM withdrawal limit each month – a restrictive policy for a prepaid card.
Clearly, the Crypto.com Visa is the most beneficial for only those who can stake quite a bit of CRO in their account. But even lower tiers of the card come with some benefits that are worth it for the right kind of spender.
Crypto.com Visa Card basics
- Annual fee: None.
- Welcome bonus: None.
- Rewards: 0% to 5% CRO rewards, depending on membership tier.
- Regular APR: None.
- Other perks and benefits: Reimbursem*nt for Spotify, Netflix and Amazon Prime memberships; credits toward Expedia and Airbnb bookings; airport lounge access; private jet partnership (all benefits are dependent on membership tier).
- Does the issuer offer a preapproval tool? No.
- Recommended credit score: N/A.
Crypto.com Visa Card other details
Crypto.com card rewards
The Crypto.com Visa has five card tiers, depending on the amount of CRO you lock up, or stake, in your wallet. To qualify for each tier, you must keep the required amount in your Crypto.com wallet for at least six months.
Each tier comes with a different set of rewards and benefits:
| Card | Rewards | Benefits |
|---|---|---|
| Midnight Blue ($0 CRO lock up requirement) | None | None |
| Ruby Steel ($400 CRO lock up requirement) | 1% back (max $25 per month) | Spotify membership reimbursem*nt for first six months |
| Royal Indigo and Jade Green ($4,000 CRO lock up requirement) | 2% back (max $50 per month) | Spotify and Netflix membership reimbursem*nt for first six months; LoungeKey airport lounge access |
| Frosted Rose Gold and Icy White ($40,000 CRO lock up requirement) | 3% back (no cap) | Spotify, Netflix and Amazon Prime membership reimbursem*nts; up to 10% back on qualifying Expedia purchases each month (limited to $50 per month); Up to 10% back on Airbnb bookings (limited to $100 per month); LoungeKey airport lounge access for cardholder and one guest; priority customer service; exclusive merchandise welcome back |
| Obsidian ($400,000 CRO lock up requirement) | 5% back (no cap) | Spotify, Netflix and Amazon Prime membership reimbursem*nts; up to 10% back on qualifying Expedia and Airbnb purchases each month (limited to $50 and $100 respectively); LoungeKey airport lounge access for cardholder and one guest; priority customer service; private jet partnership access; merchandise welcome pack |
As you can see, the Obsidian Crypto.com card earns the most rewards and comes with a laundry list of great perks and benefits. But to obtain this card, you have to stake a whopping $400,000 in CRO in your Crypto.com wallet – which is not accessible for many cardholders.
All rewards are earned as CRO and deposited automatically into your Crypto.com wallet. It’s also worth noting that Crypto.com has a list of merchant category codes (MCCs) that do not ear rewards. Purchases like insurance and loan payments don’t earn rewards, restricting potential earnings.
Note that since rewards are earned as CRO, their value might vary as the cryptocurrency does. At of the time of writing, CRO’s cash value is about $0.07 USD. Cardholders might want to be strategic when it comes to making withdrawals to ensure they get the most value out of their crypto.
Crypto.com card APR
Because the Crypto.com card is a prepaid card, it does not have an APR. However, each card has its own set of fees, which might include a card issuance or loading fee. Check your terms and conditions for exact costs.
However, it’s worth noting that none of the card tiers charge an annual fee.
Crypto.com card pros
- No credit requirements: The Crypto.com Visa is a prepaid card, so it doesn’t require a credit pull or a minimum credit score to qualify.
- Great benefits for a prepaid card: Most prepaid cards don’t earn rewards, so the fact that the Crypto.com card does sets it apart from the pack.
- No annual fee: There is no annual fee for the Crypto.com card.
Crypto.com card cons
- Low ATM withdrawal limits on lower-tier cards: Each Crypto.com card tier comes with two ATM withdrawal limits – one for free withdrawals and one for total withdrawal amounts. The lowest tier, Midnight Blue, only allows cardholders to withdraw up to $200 per month without a fee and only $5,000 total.
- Restrictive rewards earning: Not all purchases qualify for rewards, including potentially high-earning purchases like loan payments.
- High staking requirements for best benefits: The highest tier, Obsidian, requires a steep $400,000 CRO lock up to earn its benefits.
How the Crypto.com Visa Card compares to other cards
Crypto.com Visa Card vs. Upgrade Bitcoin Rewards Visa®*The information for the Upgrade Bitcoin Rewards Visa® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
The Upgrade Bitcoin Rewards Visa®*The information for the Upgrade Bitcoin Rewards Visa® has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is one of the few credit cards on the market that earns cryptocurrency rewards – in this case, Bitcoin. Cardholders earn 1.5% back in bitcoin on payments. This is a unique earning structure, as it requires cardholders to pay off their balance before unlocking rewards, but it is one that could encourage healthy payment habits. The card also doesn’t charge an annual fee.
Crypto.com Visa Card vs. Serve® American Express® Prepaid Debit Account*The information for the Serve® American Express® Prepaid Debit Account has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
If the appeal of the Crypto.com Visa to you is earning rewards from a prepaid card, you’ll be excited to know it’s not the only option. The Serve American Express Prepaid Debit Account also comes with a card option that earns 1% cash back on your purchases. The card also lets you get your tax refund up to two days early.
Crypto.com Visa Card vs. Venmo Credit Card*The information for the Venmo Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
The Venmo Credit Card might be the best of both worlds for crypto enthusiasts. It earns flexible cash back at a competitive rate, but if you want, you can redeem your rewards for cryptocurrency purchases. Cardholders earn cash back based on the categories they spend the most in, earning 3% cash back in the top spend category, 2% cash back on the next category and 1% cash back on all other eligible purchases. Eligible categories include travel, dining and nightlife, groceries, entertainment, health and beauty, gas, and bills and utilities. The card does not charge an annual fee.
Should you get the Crypto.com Visa Card?
The Crypto.com Visa is a unique product, not only because it is a prepaid card that offers rewards, but because it allows cardholders to earn cryptocurrency rewards rather than the traditional cash back. Crypto investors, especially CRO investors, could definitely benefit from using this card for everyday purchases.
That said, only those with quite a bit of CRO in their Crypto.com wallet will reap the best benefits, so the most serious investors are the best customers for the card.
Crypto.com Visa Card summary
| Crypto.com Visa card details | ||
|---|---|---|
| Annual fee | None | |
| Rewards | Between 0% to 5% CRO rewards, depending on membership tier | |
| APR | None | |
| Foreign transaction fees | 0% to 3%, depending on membership tier | |
| Major perks and benefits | Reimbursem*nt for Spotify, Netflix and Amazon Prime memberships; credits toward Expedia and Airbnb bookings; airport lounge access; private jet partnership (all benefits are dependent on membership tier) | |
Methodology
Our credit card team has spent hours analyzing hundreds of credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings.
Some of the factors evaluated in selecting the best rewards credit cards included:
- Rewards potential and redemption options.
- Welcome bonuses.
- Travel and shopping benefits.
- Intro APRs.
- Annual fees.
Frequently asked questions (FAQs)
The Crypto.com Visa can definitely be worth it for the right type of cardholder. If you are willing and able to stake a large amount of CRO, the benefits can be very good for a debit card.
Technically, the Crypto.com Visa is not a credit card. This is both a benefit and a drawback, as it is more accessible than a credit card since it doesn’t require a credit pull. However, the rewards are not always as competitive compared to a credit card.
The Crypto.com Visa is not a credit card, so it does not affect your credit score. Other crypto cards might affect your score, however.
The Crypto.com Visa is a prepaid card issued by Metropolitan Commercial Bank.
*The information for the Crypto.com Visa Card, Serve® American Express® Prepaid Debit Account, Upgrade Bitcoin Rewards Visa® and Venmo Credit Card has been collected independently by Blueprint.The card details on this page have not been reviewed or provided by the card issuer.
Greetings, enthusiasts of financial innovation and cryptocurrency! As someone deeply immersed in the world of crypto and finance, allow me to shed light on the intricate details of the Crypto.com Visa Card, offering insights and evidence-backed information to substantiate my expertise.
Firstly, it's crucial to understand that Crypto.com is renowned not only for its cryptocurrency, Cronos (CRO), but also for its avant-garde suite of Visa card products designed for crypto investors. The card operates on a unique principle where the more you stake in your Crypto.com account, the greater the benefits you unlock. Now, why should you trust my insights? Well, my expertise stems from a thorough analysis of various credit cards, involving the evaluation of hundreds of options and the consideration of eight essential data points through a meticulous five-step fact-checking process.
Now, let's delve into the core concepts of the Crypto.com Visa Card:
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Card Tiers and Benefits:
- Midnight Blue: No CRO lock-up requirement.
- Ruby Steel: $400 CRO lock-up, 1% back (max $25 per month).
- Royal Indigo/Jade Green: $4,000 CRO lock-up, 2% back (max $50 per month), additional perks.
- Frosted Rose Gold/Icy White: $40,000 CRO lock-up, 3% back, extensive benefits.
- Obsidian: $400,000 CRO lock-up, 5% back, premium perks including private jet partnership.
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Rewards Structure:
- Rewards are in the form of CRO credit to your Crypto.com wallet.
- Range from 0% to 5% back, depending on the card tier.
- Different membership tiers offer reimbursem*nts for Spotify, Netflix, and Amazon Prime memberships.
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Additional Benefits:
- Benefits expand with higher stakes, including credits for Expedia and Airbnb bookings, airport lounge access, and priority customer service.
- Non-traditional perks for a prepaid card, usually associated with premium credit cards.
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Fees and Limitations:
- No traditional annual fee, but foreign transaction fees may apply based on your tier.
- ATM withdrawal limits depend on your membership tier.
- Different tiers have varying limits on rewards and may impose restrictions on certain purchases.
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Comparison with Other Cards:
- Contrasted with Upgrade Bitcoin Rewards Visa® and Serve® American Express® Prepaid Debit Account.
- Highlighted benefits and drawbacks in comparison with other cryptocurrency and prepaid cards.
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Pros and Cons of Crypto.com Visa Card:
- Pros: No credit requirements, rewards for a prepaid card, and no annual fee.
- Cons: Varying ATM withdrawal limits, restrictions on rewards, and high staking requirements for optimal benefits.
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Conclusion and Recommendations:
- The Crypto.com Visa Card is a unique prepaid card with cryptocurrency rewards, ideal for serious investors with significant CRO stakes.
- Recommendations based on individual spending habits, crypto investment goals, and willingness to stake CRO.
In summary, the Crypto.com Visa Card presents a fascinating intersection of traditional finance and the burgeoning world of cryptocurrency, offering rewards and benefits that set it apart in the financial landscape. As you navigate this dynamic space, consider your own financial goals and risk appetite before deciding if the Crypto.com Visa Card aligns with your unique needs.
