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Crypto.com card review

Earn crypto rewards and entertainment subscription perks if you're prepared to lock up some of your assets.

The Crypto.com Visa Card is a prepaid debit card that lets you spend your crypto and withdraw cash for free from any ATM with the Visa logo. Depending on which of the five Crypto.com cards you choose, you could earn up to 8% back in crypto with every purchase. But to gain access to subscription perks like Netflix, Spotify or Amazon Prime reimbursements, you must stake — or lock up — a portion of your assets.

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€0

Deposit fee

2%

Withdrawal Fee

Up to 8%

Yield rate

Details

Product NameCrypto.com Visa Card
Yield rateUp to 8%
Deposit fee€0
Withdrawal Fee2%
Annual percentage yield (APY) BTC6.5%
Annual percentage yield (APY) ETH6.5%
Annual percentage yield (APY) LTC3%
Free ATM withdrawal limit€200 - €1,000
Fee Amount€0
More Info
Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Pros and cons

Here’s an overview of Crypto.com’s standout features and shortcomings.

Benefits
  • Earn up to 8% back in crypto rewards.
  • €0 monthly or annual fees.
  • Convert crypto rewards to other cryptocurrencies.
Drawbacks
  • Staking is required in order to earn rewards.
  • You will need to stake a lot in order to earn the highest percentage of crypto back.
  • Most rewards disappear if you decide to unstake.

Eligibility and how to apply for a Crypto.com card

In order to apply for a Crypto.com Visa card, you’ll need to stake CRO tokens for a period of 6 months.

You’ll need to sign up for a Crypto.com app account first. To do this, you’ll need to supply personal information with your application that includes the following:

  • Full name
  • Address
  • Date of birth
  • Phone number
  • Email address
  • Photo ID such as a driver’s licence or a passport

You’ll also need to complete Know Your Customer verification. Once you have created your account, purchase CRO tokens and have them deposited to your crypto wallet within the app. This should happen automatically. The amount of CRO tokens you need to lock or stake in your crypto wallet will vary depending on which card you are applying for (more on the card tiers below).

Crypto.com card tiers

Crypto.com offers 5 card tiers.

  • Midnight Blue
  • Ruby Steel
  • Royal Indigo and Jade Green
  • Icy White and Frosted Rose Gold
  • Obsidian

The table below shows some, but not all, of the benefits of each card tier while staking the required amount of CRO.

CRO stake required€35000,000€35,000€3,500€350None
Card tierObsidianMCO Black CardIcy White & Frosted Rose Gold

MCO Silver Card

Royal Indigo & Jade Green

MCO Green Card

Ruby Steel MCO Red CardMidnight Blue MCO Blue Card
CRO rewards on spending8%5%3%2%1%
LoungeKey airport lounge accessYes, +1 guestYes, +1 guestYesNoNo
No-fee monthly ATM withdrawal limit (2% thereafter)€1,000€800€800€400€200
Interbank exchange rate monthly limit (0.5% thereafter)Unlimited€15,000€10,000€4,000€2,000

Accurate as of 3 February 2022.

The rewards you receive will depend on the card you choose and how much CRO you stake into your crypto wallet. The stake rewards work like an APY with traditional savings accounts, and the rewards are deposited into your Crypto.com wallet — not your Crypto.com card — each week.

How does the Crypto.com card work?

The Crypto.com Visa Card works like most traditional prepaid debit cards. You must load funds (either crypto or euros) onto it before you use it, and you can withdraw cash from any Visa ATM. But your free withdrawal limit, ranging from €200 to €1,000 a month, depends on which card you have. If you exceed your withdrawal limit, you’ll pay a fee equal to 2% of each withdrawal.

Main benefits of the Crypto.com card

  • No maintenance fees. There are no monthly or annual fees associated with any of the Crypto.com cards. Several other crypto-linked debit cards are also fee-free, but traditional prepaid cards often have a monthly fee or an inactivity fee.
  • Fund with fiat or crypto. You can fund your account with euros or crypto, though crypto is converted to EUR at the time you top up your card.
  • Earn crypto rewards. Depending on the Crypto.com card you choose, you’ll earn from 1% up to 8% back in CRO.

Main drawbacks of the Crypto.com card

  • Must stake for perks. For Netflix, Spotify and Amazon Prime reimbursements or discounts through Airbnb and Expedia, you must lock up the CRO token equivalent of €350 to €350,000 for at least 6 months.
  • No web portal. Each customer must access their account and manage their card in the mobile app.
  • Slow card delivery. Cardholders on Reddit and Discord complain that it can take several weeks to receive the physical card after an account is approved. However, you will have access to the virtual card immediately after approval.
  • Delayed support. Reviewers on Trustpilot complain about slow response times from Crypto.com’s customer support. We attempted to contact a support specialist via the app’s chat feature, and it took about four hours for a reply.
  • Rewards disappear if you unstake. You can continue using your card after unstaking assets, but you’ll lose any rebates received, most of your benefits and your CRO rewards rate will drop to 2% or lower, unless you decide to restake CRO tokens.

How does the Crypto.com card compare to a traditional debit card?

Unlike traditional prepaid cards, you have the option to top up — or fund — the Crypto.com card with cryptocurrency you purchase through the Crypto.com app or that you deposit from an external source. If you fund your card with crypto, Crypto.com automatically converts your assets to euros before adding them to your card’s balance. So despite its name, the card never actually stores crypto.

But you’re never required to fund your Crypto.com card with crypto. You can top up your card with euros for free using a debit or credit card.

How experienced do you need to be with crypto to use the Crypto.com card?

The Crypto.com Card is best for crypto investors or beginners looking to earn crypto rewards and willing to lock up assets in exchange for additional perks. This card offers some of the best rewards we’ve seen among crypto debit cards, and the Crypto.com app is bursting with features. But some other crypto debit cards, including the Coinbase card, support spending with more forms of crypto.

What cryptocurrencies can I use with the Crypto.com card?

Crypto.com’s exchange supports more than 250 forms of crypto, though you’re limited to about 20 to top up your debit card:

  • Bitcoin (BTC)
  • Cardano (ADA)
  • Chainlink (LINK)
  • Chiliz (CHZ)
  • Dai (DAI)
  • Decentraland (MANA)
  • Dogecoin (DOGE)
  • Enjin (ENJ)
  • EOS (EOS)
  • Ethereum (ETH)
  • Litecoin (LTC)
  • Paxos Standard (PAX)
  • Polygon (MATIC)
  • Stellar Lumens (XLM)
  • Tether (USDT)
  • TrueAUD (TAUD)
  • TrueCAD (TCAD)
  • TrueGBP (TGBP)
  • TrueUSD (TUSD)
  • Uniswap (UNI)
  • USD Coin (USDC)
  • VeChain (VET)
  • Zilliqa (ZIL)

Is the Crypto.com card safe?

Yes. Crypto.com takes steps to operate in compliance with local regulations around the world, including the anti-money laundering and KYC obligations. Fiat currency in your Crypto.com account is held by custodian bank accounts.

In January 2022, hackers stole more than US$34 million worth of Bitcoin, Ethereum and other assets from Crypto.com accounts. But no Crypto.com cards were affected, and Crypto.com fully reimbursed customers who lost assets.

Where can you use the Crypto.com card?

You’ll be able to use your Crypto.com card anywhere in the world where you see the Visa logo.

Fees and exchanges rates

Crypto.com charges the following fees for each of its 5 Crypto.com card options:

Type of feeAmount
Debit or credit card top-up€0
ATM withdrawal fee after card limit is reached2% of the withdrawal amount
Reissued card€50 for all cards
Upgrade to a higher-tier card€50
Interbank exchange rate monthly limit (0.5% thereafter)Unlimited

Verdict

You get 5 tiers of Crypto.com cards to choose from, in 7 different colours. If you’re happy to stake a set amount of CRO in your crypto wallet for period of time, you’ll earn crypto back. Each card earns rewards in Cronos (CRO) — Crypto.com’s native currency. Depending on which card you choose, you’ll earn from 1% to 8% back in CRO immediately after each transaction, depending on the card you choose. You can earn additional perks like reimbursements to popular entertainment subscription services Netflix, Amazon Prime and Spotify and discounts on bookings through Airbnb and Expedia. But these perks are tied both to the card you choose and staking — or locking up — the equivalent of €350 up to €350,000 in CRO for at least 6 months.

Staking means you agree to exchange your euros for CRO and hold it in your crypto wallet for at least 180 days. All but the Midnight Blue card require staking. Keep in mind that the amount you stake is completely separate from the balance on your card. For example, if you stake €350 for the Ruby Steel card, your CRO remains on Crypto.com’s platform — not on your Crypto.com card.

During the 180-days — or 6-month — staking period, the value of your staked CRO can rise or fall. But you won’t be able to unstake your tokens until the 180 days are up, after which, you can reclaim your assets at any time. And when you unstake your CRO, you’ll lose most of the perks Crypto.com cards offer. That’s why many Crypto.com cardholders never unstake their CRO.

If you’re comfortable with setting aside a portion of your assets, you can still earn up to 8% back in CRO along with other perks. The downside, however, is that the price of CRO could drop significantly and end up being worthless, in which case the value of your stake and your rewards would plummet.

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Disclosure: The writer owns a range of cryptocurrency that includes CRO and BTC.

Disclaimer: Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

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