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Overview
The Crypto.com Visa Card is a custodial payment card linked to the Crypto.com App ecosystem, offering prepaid tiers globally and a Visa Signature credit card in the United States. Available in virtual and physical formats across Midnight Blue, Ruby Steel, Royal Indigo, Jade Green, Frosted Rose Gold, Icy White, and Obsidian tiers. Spending draws from loaded fiat balances (including EUR, USD, GBP) funded via bank transfer, debit/credit cards, or crypto conversions. Integrated into the Level Up rewards program, cardholders earn up to 4.5% back in CRO on prepaid spending (up to 6.5% on US credit cards), subject to tier monthly caps ($1,250 Plus, $2,500 Pro, unlimited Private). Eligible tiers with active CRO lockup or annual subscription receive monthly rebates for Spotify, Netflix, and Truth+, plus airport lounge access on Pro and Private tiers. ATM withdrawals are free up to €200–€1,000 per month, with a 2% fee on excess amounts.
Supported balances
EUR / USD / GBP
Card network
Visa
Format
Virtual, Physical
Custody model
Custodial
Read each condition in its own context. Amounts are not a complete cost estimate.
Costs to watch
Physical card issuance is €4.99 for Midnight and €24.99 for Ruby (waived for annual Plus subscribers, subscribers with 6+ consecutive months, or active CRO lockup/stake). Higher tier upgrades are waived. Monthly free ATM allowances range from €200 (Midnight) to €1,000 (Obsidian), with a 2% fee on withdrawals exceeding the free quota. Top-up via bank transfer/SEPA is free; card top-up incurs a 1% fee. Inactivity fee is €5/month (updated to €6 effective Oct 1, 2026) after 12 months without financial transactions. FX fee is 0.2% within EU/UK, and up to 2.0% outside EU/UK depending on card tier.
Original source excerpt: Crypto.com Visa Card program agreement, fees and rewards
Physical Card Issuance: Midnight: €4.99 Ruby: €24.99. Inactivity: €5 per month after 12 months. ATM Withdrawal: 2% on amounts above the monthly free ATM limit.
How rewards work
Through the Level Up rewards program, cardholders with active CRO lockup/stake or annual subscription earn up to 4.5% spending rewards in CRO on prepaid purchases (and up to 6.5% on the US Visa Signature Credit Card in BTC or CRO). Monthly rewards spending caps apply: N/A for Basic, $1,250 for Plus, $2,500 for Pro, and unlimited for Private. Eligible tiers receive 100% purchase rebates up to monthly limits for Spotify (up to $13.99), Netflix (up to $13.99), and Truth+ (up to $9.95), valid for 3 months (Plus), 6 months (Pro), or ongoing (Private). Pro and Private tiers include airport lounge access across 1,700+ lounges worldwide.
Original source excerpt: Crypto.com Visa Card program agreement, fees and rewards
Up to 4.5% back on spending, local or overseas, with no minimum spending required. Spotify Rebate, Netflix Rebate, Truth+ Rebate, Airport Lounge Access. Spending Cap…
Important restrictions
Available exclusively to verified personal users aged 18+ residing in supported jurisdictions across the EEA, UK, US, Canada, Australia, Singapore, Brazil, and select LATAM markets. Requires identity verification (KYC). The Visa Signature credit card variant is available exclusively to eligible US residents subject to credit approval by Comenity Capital Bank. Once funds are topped up into the prepaid card, they cannot be transferred back to the fiat cash account. CRO lockup or subscription is required to maintain premium tier benefits.
Original source excerpt: Crypto.com Visa Card program agreement, fees and rewards
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