Our verdict
Best for: High spenders willing to lock up CRO for premium tier benefits
The headline 5% rate is real, but only at the highest staking tier, which requires locking up significant CRO. For most users the effective rate is closer to 2%, which is competitive but not exceptional. The zero FX markup is a genuine strength for travellers. Where Crypto.com wins is the ecosystem: airport lounges, Spotify/Netflix rebates, and a mature platform. If you're already active on the Crypto.com exchange, the card adds meaningful value. If you're not, the staking commitment is hard to justify.
Specifications
| Card network | Visa |
|---|---|
| Provider | Crypto.com (Foris DAX) |
| Funding model | Pre-funded debit (you load crypto/stablecoins to spend) |
| Settlement currency | USD |
| Available in | US (ex-NY), Europe, UK, Canada, Singapore, Australia, Brazil, GCC |
| Supported chains | Cronos |
| Supported assets | BTC, ETH, USDC, USDT, CRO and 200+ assets |
| Issuance fee | $0 |
| Monthly fee | $0 |
| FX markup | 0% |
| ATM fee | 2% |
| Top-up fee | 0% |
| Foreign transaction fee | 0% |
| Cashback | Up to 5% in CRO (realistic ~2%) |
| Staking required | Yes, 400 to 1000000 in CRO |
| Daily spend limit | , |
| Monthly spend limit | , |
| Daily ATM limit | $200 |
| Last verified | 2026-04-30 |
What to watch out for
- Six tiers from Midnight Blue to Prime/Obsidian
- 12-month CRO lockup or Level Up subscription required
- cashback paid in CRO token (price volatile)
- free ATM allowance scales with tier ($200-$1000/month before 2% fee)
- No FX fee on international spending
- lounge access at higher tiers
Editorial notes
- Level Up program launched Sep 2025 restructured tiers
- Spotify/Netflix rebates on Pro+ tiers
- many users report support delays and account freezes
- 2% non-staking rewards discontinued Nov 2025 for Icy/Rose
- CRO price risk during 12-month lock
- 100M+ user base globally
Frequently asked questions
Where is the Crypto.com Visa Card available?
As of 2026-04-30, Crypto.com Visa Card is available to residents of United States, United Kingdom, Europe, Canada, Latin America, Asia-Pacific, and Middle East & Africa. Specific country list: US (ex-NY), Europe, UK, Canada, Singapore, Australia, Brazil, GCC.
How does the Crypto.com Visa Card cashback work?
Crypto.com Visa Card offers up to 5% cashback paid in CRO. Tiered by CRO stake/Level Up subscription; Midnight 0%; Ruby Steel 1% ($400 stake); Jade/Royal Indigo 2% ($4K); Icy/Rose 3% ($40K); Obsidian 5% ($400K); Prime 8% ($1M stake). Lower tiers have monthly reward caps. In practice, the realistic effective rate for most users is around 2%.
What are the fees on the Crypto.com Visa Card?
Crypto.com Visa Card has no issuance fee, no monthly fee, no FX markup. See the spec table above for ATM and top-up fees.
Does Crypto.com Visa Card hold my crypto?
Yes. Crypto.com Visa Card is a pre-funded card. You transfer crypto or stablecoins to a balance held by the provider, which the card then spends from. This is custodial: the issuer controls the funds while they sit there.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.