CoinsOnCards

    Issued by Varies by region: Community Federal Savings Bank (US prepaid), Foris MT (Europe), Foris Asia Pte (Singapore), Digital Commerce Bank (Canada), Foris GFS Australia Pty Ltd (Australia), Foris GFS Brasil Ltda (Brazil), Comenity Capital Bank (US credit card) — FDIC-insured banking institution (US), E-Money Institution/EMI (Europe), Licensed payment institution (Singapore), Licensed banking institution (Canada), Mastercard principal member (Bahrain/GCC)

    Crypto.com Visa CardReview

    A custodial, multi-tier prepaid Visa/Mastercard debit card funded by converting crypto to fiat.

    4.0· Updated: September 2, 2025: Launch of Level Up rewards system; improved FX fee structure for EU/UK markets
    Visit issuer
    Cashback
    Up to 8.0%
    Custody
    custodial
    KYC
    full
    Networks
    —
    Monthly fee
    Free
    Available in
    —

    The verdict

    Best for: Users staking CRO for up to 8% cashback and travel rewards.

    Skip if: You want non-custodial spending or dislike 12-month CRO staking requirements.

    • Up to 8% cashback requires a $1,000,000 CRO stake.
    • Base tier has no fees but also offers 0% cashback.
    • US users face a 3% FX fee on lower tiers.
    Get the Crypto.com Visa Card

    How it works

    • The Crypto.com card is a prepaid debit card that operates on the Visa network (Mastercard in select GCC markets). Users load funds onto the card by converting cryptocurrency to fiat within the Crypto.com app. Virtual cards are available immediately upon approval.
    • **Key Features:**
    • * **Card Tiers:** Six tiers (Midnight Blue, Ruby Steel, Jade Green/Royal Indigo, Icy White/Rose Gold, Obsidian, Prime) with increasing benefits, accessed via CRO staking or Level Up subscriptions.
    • * **Card Material:** Plastic for the base Midnight Blue tier, with stainless steel metal cards for all higher tiers.
    • * **Mobile App Management:** All card management occurs through the Crypto.com mobile app, which provides PIN viewing, transaction history, card freezing/unfreezing, and top-up capabilities.
    • * **Mobile Wallets:** Integrates with Apple Pay, Google Pay, and Samsung Pay (availability varies by region).
    • * **Top-Up Methods:** Supports top-ups from over 100 cryptocurrencies and 20+ fiat currencies. Also allows funding from fiat wallet, e-money wallets, or third-party cards in select regions.

    Funding: Crypto conversion · Fiat wallet · E-money wallets · Third-party cards

    Tier requirements & loyalty

    Referrals: $25 USD bonus in CRO for both referrer and referee when new user stakes for Ruby Steel or above

    Fees

    BankingVirtual cards available immediately upon approval

    Borrowing terms

    Crypto.com also offers a separate Visa Signature Credit Card in the US only, issued by Comenity Capital Bank, with up to 6% back in CRO

    Custody & risk

    • If the issuer disappears
      If the provider disappears or becomes insolvent, users may lose access to funds held on the platform that have not been loaded onto the card. Fiat balances on the card may be protected by schemes like FDIC insurance in the US.
    • Security risk
      Security breach affecting 483 users with approximately $34 million stolen
    • Counterparty risk
      Custodial model means users lose access to funds if provider disappears
    • Market risk
      CRO token volatility affects staking value and rewards value

    The platform controls all private keys and holds users' crypto. Users must convert crypto to fiat and load it onto the card before spending. The card balance itself is held in fiat by regulated institutions.

    Protections

    • Two-factor authentication
    • Instant card freeze/unfreeze
    • Real-time transaction notifications
    • Worldwide Account Protection Program offering up to $250,000 reimbursement for unauthorized transactions

    Insurance & coverage: $750 million insurance policy for custodial crypto assets, FDIC insurance on USD balances in US

    Limits

    notes
    Bahrain/GCC: Maximum card balance US$6,500
    atm daily
    $500-1,000 per withdrawal, typically 3 withdrawals per day
    atm monthly
    See tier-specific limits
    daily spending
    $5,000 or €5,000 for fully verified users in most markets
    monthly spending
    $50,000 or €50,000 rolling limit in most markets

    The good

    • Up to 8% cashback in CRO on spending.
    • Up to 15% back on travel spending.
    • No annual fee for the base Midnight Blue tier.

    The catches

    • Requires 12-month CRO stake for rewards.
    • Monthly cashback caps of $25 on Ruby Steel.
    • Up to 3% FX fees in the US.

    Limitations

    • majorSubstantial CRO token staking requirements for higher tiers (12-month lockup)
    • majorExposure to cryptocurrency volatility through staking model
    • moderateRewards programs have been reduced over time
    • moderateTop-up required before spending (prepaid product)
    • moderateNot available in certain regions (NY state, Russia, China)
    • moderateForeign exchange fees vary significantly by region (up to 3% in US for lower tiers)
    • minorMonthly rewards caps apply to lower tiers (Ruby $25, Jade/Indigo $75)
    • minorRegional variations in fee structures can be confusing

    Where rewards don't apply

    • Quasi-cash transactions — Rewards excluded
    • Crypto exchanges — Rewards excluded
    • Financial services — Rewards excluded
    • Gambling — Rewards excluded

    What users say

    App Store
    4.7/5.0 (321,114 ratings)
    Google Play
    4.5/5.0 (661,155 ratings)
    Trustpilot
    1.3/5.0 (9,185 ratings)

    High app store ratings but very low Trustpilot score indicating mixed user experiences

    Rating breakdown

    Net reward
    3.8
    Custody risk
    2.0
    Availability
    4.5
    User experience
    4.5
    Features & convenience
    4.3

    See our methodology for how we score each axis.