Visa
Crypto.com Card
4.4/10Overall Score
Card Mode
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Card Type
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Mobile Payments
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Fees & Rules
01Getting Started
- Virtual Card Application
- $0
- Physical Card Application
- $5
02Spending & Conversion
- Top-ups Fee
- 1%
- ATM WithdrawalATM WithdrawalThe monthly free limit is $200.
- 2%
- FX Fee
- 3%
Fee Sources · Verify Directly
help.crypto.com/en/articles/5966563-crypto-com-prepaid-visa-card-fees-and-limitsCard Guide
Overview
Crypto.com is a crypto exchange founded in 2016, and its card is a Visa prepaid product issued by its licensed entities region by region, requiring a top-up before spending. Since November 2024 card benefits follow the Level Up membership rather than the colour of the card: users either subscribe monthly or lock CRO for 12 months to qualify. The card is issued separately in local currencies across markets, with fees, reward rates and caps published per region.
| Item | Details |
|---|---|
| Card forms: | virtual and physical, with Apple Pay and Google Pay except in the UK. |
| Tiers: | Basic, Plus, Pro and two Private levels, Icy White with Frosted Rose Gold, and Obsidian. |
| Funding: | crypto or fiat top-ups, charged at 1%. |
| Use cases: | global Visa acceptance, online subscriptions and ATM withdrawals. |
Benefits
| Item | Details |
|---|---|
| Plus cashback: | 1.5% on the first USD 750 of monthly eligible spend. |
| Pro cashback: | 2.5% on the first USD 1,500 of monthly eligible spend. |
| Private cashback: | 3.5% on Icy White and Frosted Rose Gold, dropping to 0.5% above USD 3,000, and 4.5% on Obsidian, dropping to 1% above USD 5,000. |
| SGD cards: | 2%, 3%, 4% and 5% by tier, with monthly caps of SGD 25, SGD 75 and no cap respectively. |
| Subscription rebates: | Spotify and Netflix for three months on Plus, six on Pro and permanently on Private. |
| Lounges: | two Priority Pass visits a year for Pro annual subscribers, with a guest on Private. |
Fees
| Item | Details |
|---|---|
| Issuance: | free, with a EUR 4.99 or USD 4.99 card fee in some regions. |
| Monthly fee: | zero on Basic, USD 4.99 on Plus, USD 29.99 on Pro, while Private requires a CRO lock of USD 50,000 or 500,000 equivalent. |
| Spend fee: | none. |
| FX fee: | from 0% on Private to 3% on US Basic, Plus and Pro, varying by region and plan. |
| Top-up: | 1%. |
| ATM: | a monthly free allowance of USD 200 to 1,000 by tier, then 2%. |
| Other: | USD 4.95 a month after 12 months of inactivity, and USD 50 for a replacement card. |
Availability
| Item | Details |
|---|---|
| Supported: | the United States except New York, the EEA, the UK, Canada, Australia, Singapore, Brazil, Bahrain and selected Gulf markets. |
| Onboarding: | 18 or over, KYC complete, and a Level Up membership before applying for the card that matches the plan. |
| Spending limits: | set by region and tier, with the SGD card capped at SGD 100,000 of top-ups a month. |
| Cashback exclusions: | rent, utilities, insurance, taxes, government payments, transfers and card loads earn nothing. |