The Crypto.com Visa Card is one of the most feature-rich crypto prepaid cards on the market, with up to 5% CRO cashback, subscription rebates and airport lounge access on higher tiers. However, the best perks require either a large CRO stake or an ongoing Level Up subscription, and rewards on lower tiers are heavily capped. Combined with custodial risk, declining CRO value, and frequent complaints about support, this card suits committed Crypto.com users more than casual newcomers.
The Crypto.com Visa Card is a prepaid visa card linked to your Crypto.com account. You can spend stablecoins directly. Top up via bank_transfer, crypto, debit_card, credit_card, then spend anywhere visa is accepted.
Showing fees for Midnight Blue tier.
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Monthly Fee | $0 |
| Conversion Fee | Around 0.5% FX markup on non-EUR/GBP purchases after interbank allowance in Europe; structure varies by region. |
| Foreign Exchange Fee | FX markup applies above free interbank limit and for some currencies; check local fee schedule. |
| Top-up Fee | Crypto and fiat-wallet top-ups are generally free; debit-card top-ups ~1% and credit-card top-ups ~2.99%, depending on region. |
| ATM Free Limit | $200/mo |
| ATM Fee After Limit | 2% above free monthly ATM limit |
| Inactivity Fee | $5/mo after 12 months |
Note: Crypto-to-fiat conversion uses Crypto.com rates, which include a spread in addition to any explicit fees.
This card does not offer a cashback or rewards program.
This tier is free to access — no staking, deposits, or spending requirements.
Free plastic card with no CRO stake; mapped to Level Up Basic plan with no ongoing cashback rewards.
✓ Two-factor authentication. ✓ Instant card freeze. ✓ Biometric authentication. Custody model: custodial.
Licenses: EU MiCA CASP authorisation (Foris DAX MT Limited, MFSA, passported across the EEA), Electronic Money Institution licence in Europe via Foris MT Limited (MFSA), PSAN registration in France (AMF), Additional licences including UK EMI (FCA), MAS licence in Singapore, VARA licence in Dubai, US money transmitter approvals and CFTC derivatives licences
In the EEA, the Crypto.com Prepaid Visa Card is issued by Foris MT Limited, a Malta-incorporated e-money institution licensed by the MFSA and operating under MiCA and EMI permissions.
Top up your card with 400 cryptocurrencies. Fiat top-ups supported in EUR, USD, GBP, CAD, AUD, SGD, NZD, BRL, CHF.
Programme available in the US, Canada, Singapore, Australia, New Zealand, EU/EEA, Brazil, UK, Switzerland and other jurisdictions, with some country and US-state exclusions (for example New York).
Truth+ subscription rebates were added alongside existing Spotify and Netflix rebates for eligible cardholders.
Source →Expedia, Airbnb, X and Amazon Prime rebates for Icy White/Rose Gold and Obsidian cardholders were discontinued to refocus benefits on CRO rewards and Truth+.
Source →Crypto.com launched the revamped Level Up programme, tying prepaid card rewards to Basic/Plus/Pro/Private plans with new cashback caps and adjustable rates.
Source →Crypto.com's Malta entity received MiCA CASP authorisation and passported services across the EEA, reinforcing regulatory coverage for card users in Europe.
Source →The Crypto.com Visa Card is one of the most feature-rich crypto prepaid cards on the market, with up to 5% CRO cashback, subscription rebates and airport lounge access on higher tiers. However, the best perks require either a large CRO stake or an ongoing Level Up subscription, and rewards on lower tiers are heavily capped. Combined with custodial risk, declining CRO value, and frequent complaints about support, this card suits committed Crypto.com users more than casual newcomers.
Visit Crypto.com to get started with the Crypto.com Visa Card.
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