Crypto.com card, reviewed from the outside: tiers, fees, and the everyday reality

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Crypto.com card is a prepaid Visa that lets you spend crypto through your everyday card rails rather than from a bank account. You load it from your Crypto.com balance, swipe or tap it like any other card, and get a percentage of your spend back in CRO, the platform’s own token. The trade-off is that you hand your money to a custodial platform, and the rewards you earn move with the price of that token.

The conditions described in this review are current as of October 28, 2026.

Verdict

Crypto.com’s card scores 7.0 out of 10. That figure reflects the everyday experience, the breadth of countries it serves, and the honest assessment of its fee structure. Residents of Europe and Singapore who want tiered crypto rewards get the most out of it: the lower tiers are genuinely useful, the higher tiers reward you for staking CRO, and the network of merchants accepting a Visa is essentially the entire payments network. If you cannot get an ordinary bank card or you specifically want to convert crypto into spending money, the card works well. If you want a low-fee card, a self-custody experience, or strong consumer protection laws on the back of your card, the package is harder to recommend.

The breakdown is in the table below.

In short, the card suits residents of Europe and Singapore who already want to be in the Crypto.com ecosystem. If you do not, the fees add up faster than the rewards pay you back, and there are simpler prepaid cards on the market.

Who will they give you the card

The card is issued by different entities in different places. In the US the issuer is Community Federal Savings Bank, which is a Member of the FDIC. In Europe the issuer is Foris MT Limited, an electronic money institution. In Singapore it is Foris Asia Pte. Ltd., a Major Payment Institution under the Monetary Authority of Singapore. In Canada it is Digital Commerce Bank, with the card offered by Foris, Inc. Australia uses Foris GFS Australia Pty Ltd, the UK uses ForisGFS UK Limited, and Brazil issues a USD card through Foris MT for use outside Brazil.

The European help article, dated 20 July 2026, lists 31 countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom. The rule is based on your residential address; the company does not state a separate rule for citizenship.

Third-party listings (unofficial, not confirmed by Crypto.com) name ten restricted countries: Afghanistan, China, Cuba, Iran, North Korea, Russia, Somalia, Sudan, Syria, and Yemen. That same third-party source also lists Sudan among the available countries, so treat the restricted list as a rough guide rather than a definitive map. If your country is missing from the help article, the safe assumption is that the card is not currently available there.

There is one practical consequence worth raising. Because the issuer is a regulated entity in your region rather than a US bank, your rights, deposit protection, and dispute procedures depend on the regulator of the issuer. UK cardholders are not covered by the Financial Services Compensation Scheme. US cardholders sit under a Member-FDIC bank. European cardholders sit under the EU electronic-money rules. The card itself is the same in all those places; the safety net behind it is not.

How to get it

Crypto.com is a regulated financial-services business, so the application asks for personal information. The cards page shows the standard US PATRIOT Act notice: name, address, date of birth, and a national ID number, which can be a Social Security Number in the US or a country-issued ID number elsewhere. You may be asked for a driver’s licence or other photo ID. Proof of address and a minimum age are not stated on the cards page. Unofficial third-party sources describe identity verification with a government ID, a selfie, and a proof of address, but I have not seen that on the cards page itself.

The card you receive is a prepaid Visa. That means it is not linked to your ordinary bank account; you have to top it up before you can spend from it. The card currency is the local currency of the issuer, so the European card is denominated in EUR, the Canadian card in CAD, and the Brazilian card in USD for use outside Brazil.

There is no public breakdown of virtual, physical, and metal tiers on the cards page. Third-party sources report a virtual card issued immediately on approval and a physical card shipped later, with metal available at higher tiers, but again that is not confirmed by the cards page itself.

The issuance fee in Europe is 4.99 EUR for the Midnight tier and 24.99 EUR for the Ruby tier, with replacement of 45.01 EUR at Midnight and 50 EUR at higher tiers. The card-upgrade fee is waived. Cardholders on the Level Up Plus subscription or with a CRO lockup may also have the Ruby issuance fee waived; that detail is in the European help article. US third-party figures suggest a similar shape (4.99 USD Midnight, 29.99 USD Ruby, replacement 7 USD at Midnight and 50 USD at higher tiers), but those are unofficial numbers, and I have not seen them on the cards page. Delivery time is not stated anywhere on the public pages I read.

What it really costs: the fees section

The cost picture is layered, and the right way to read it is to start with the tier table.

The subscription tiers

Crypto.com structures its card around a subscription that you either pay for monthly, pay for annually, or unlock by locking up CRO tokens. The bottom of the ladder is the Free tier, which gives you a Midnight card and the lowest cashback rate. Above that, the standard paid tier is 4.99 USD a month, 49.90 USD a year, or unlocked by a 500 USD CRO lockup. The next tier is 29.99 USD a month, 299.90 USD a year, or 5,000 USD in CRO. Above that are CRO-only tiers at 50,000 USD and 500,000 USD lockups. The page’s tier labels are jumbled; the figures here are from the main schedule.

Issuance fees are not stated in the main cost schedule. The European help article (unofficial for the global page, but the clearest published source) gives the figures cited above.

The fees table

This table pulls together the published fees and limits for the European card. Other regions follow the same shape but with their own currency and, in some cases, different numbers.

What that looks like in practice

Three everyday situations cover most of the surface area.

Paying for a coffee in EUR with a Midnight card. There is no FX fee because the purchase is in your card’s home currency. The card top-up was already done in EUR, so no conversion. The merchant’s bank may still apply interchange, but that is not a fee to you. The CRO reward is 0% on the Midnight Blue card, so you do not earn anything back, but you also do not pay anything beyond what you would on a basic prepaid card.

Paying for a coffee in USD while travelling outside the EU on a Midnight card. The 2.0% non-EU FX fee applies. If your coffee costs 5 USD, that is 10 cents of fee, and the merchant’s own DCC (dynamic currency conversion) choice can add another 1 to 3% on top if you let the terminal convert the price for you. Always pay in the local currency at the terminal and decline the conversion. The CRO reward is still 0%.

Paying for a coffee in USD while travelling outside the EU on a Jade/Indigo card. The first 800 EUR of FX-free spend a month is yours, so a 5 USD coffee is free of FX fees. The CRO reward is 2.5% up to 1,500 USD of monthly spend. On 5 USD that is 12.5 cents back, paid in CRO tokens after the transaction.

A hidden cost worth flagging is the inactivity fee. If you do not initiate any cardholder activity for twelve months, the European card starts charging 5 EUR a month, rising to 6 EUR from 1 October 2026. The cashback itself can also change: cards page wording leaves room for the rewards structure to be amended, and the Trustpilot complaints include a theme of “cashback terms changed after sign-up”.

How to top it up

The card sits on top of your Crypto.com balance, not the other way around. There are three sources for a top-up: the in-app Crypto Wallet, the Cash Account, and an external credit or debit card. Crypto cannot be loaded directly. If you want to spend Bitcoin, you first convert it to your card’s local fiat currency inside the app, and the converted amount then lands on the card.

In Europe, the cap is 25,000 EUR a day and a month, 250,000 EUR a year, with a 20 EUR minimum when you top up by card, and the card top-up carries a 1% fee. The aggregated top-up limit across all tiers is 25,000 USD a month. The maximum card balance in Europe is 25,000 EUR. You can top up 12 times a day and 140 times a month.

The card-to-wallet direction is less clear. The European help article does not state a fee or procedure for moving the card balance back to the Crypto Wallet or to a bank account; you can close the account for a 50 EUR fee, and the inactivity fee is the only published cost for leaving a balance alone.

Paying with it every day

Once the card is loaded, the everyday experience is essentially a prepaid Visa. You tap or insert, you enter your PIN above the contactless limit, and you go. The Crypto.com App is the management tool: the App Store listing for “Crypto.com: Trade Every Market” sits at 4.7 out of 5 from 336,000 ratings (read 2026-10-20), with Russian among 26 supported languages. The Google Play rating is not stated on the public pages I read; an unofficial third-party source puts it at 4.5 out of 5 from 661,155 ratings.

Mobile wallets are not described on the cards page itself. Unofficial third-party sources report Apple Pay, Google Pay, and Samsung Pay support, with availability varying by region. Treat that as a likely-but-unconfirmed feature; the only way to know for sure is to check inside the app once your card is issued.

CRO rewards in plain numbers

Cashback is paid in CRO tokens to your Crypto Wallet after each eligible transaction. The main published schedule is:

Travel bookings paid through Crypto.com earn higher rates: 5% for Midnight, 20% for Ruby, 25% for Jade/Indigo, 30% for Icy/Rose, 40% for Obsidian. Smaller tables elsewhere on the page show different values, but the main table is the one to use for everyday spend.

Two things follow from that. First, the headline rates are only the floor. To get 3.5% back on a coffee you need to be at Icy White or Rose Gold, which means locking up CRO or paying the monthly subscription. Second, certain merchant categories and channels are excluded; the full exclusion list sits in a help article I did not read, and the cards page does not summarise it. The Trustpilot complaint thread includes a few cases of users feeling blindsided by category exclusions.

Contactless and online

There is no public detail on the cards page about merchant-category blocks, but the network is Visa, so the card works in any shop that takes Visa contactless or chip-and-PIN. Online payments are subject to 3-D Secure (Visa Secure), which can mean a one-time code or biometric prompt. Cross-border authorisations can be declined if the merchant’s fraud system reads the issuer’s country against the billing address; this is a general risk for any prepaid card, not a Crypto.com-specific issue.

A genuine practical limitation is AVS, the address verification system. AVS is largely a US, Canada, and UK thing, so non-domestic cards can be declined on checkout at merchants that lean on it. That is the network’s behaviour, not Crypto.com’s, but it is worth knowing if you find a US website that rejects your European card.

What can go wrong

A prepaid card sitting on top of a custodial platform inherits both the prepaid card’s risks and the platform’s risks. The clearest way to think about it is as two layers.

The platform layer

Crypto.com is the brand; the issuer changes by region, as set out above. Your funds sit with the issuer or with Crypto.com as programme manager, not with you. Crypto.com cites AICPA SOC, ISO 27701, ISO 22301, and PCI DSS on its public pages. The cards page does not describe card-level security features (2FA, freeze, spending controls) in detail, and insurance or safeguarding of customer funds is not stated.

The Trustpilot picture is a real signal. As of 2026-10-20 the brand sits at 2.0 out of 5 from 9,493 reviews, with 72% one-star and the company replying to 31% of negative reviews. Most of the recent themes are about the wider app and exchange: inability to fund the card, payment failures, subscriptions still being charged after cancellation, cashback terms changed after sign-up, failing withdrawals, chatbot-like support, and tokens delisted without conversion. The card-specific complaints are a minority of that volume, but the same themes touch the card flow.

Two historical reminders sit alongside the present data. The 2018 WaveCrest suspension by Visa, which closed several European crypto card programmes, and the November 2022 termination of Visa’s global agreement with FTX, which wound down the FTX US debit card. Crypto.com is neither of those companies, but those episodes are why card programmes come with an asterisk: the network can pull the licence, and when it does, cardholders get a notice period and a deadline to withdraw their balance, not a refund.

The crypto layer

The card pays cashback in CRO, the platform’s own token. CRO has its own price, and that price has moved sharply in both directions in the past. A 4.5% cashback rate is not 4.5% of stable fiat; it is 4.5% of your spend in a token whose dollar value can change between the day you earn the cashback and the day you convert it. If you treat cashback as a speculative position rather than income, you are comfortable with that. If you do not, the rate needs a discount.

The platform also has the right to change the rules. The cards page leaves room for the rewards structure to be amended, and the rules around which transactions earn CRO have shifted in the past. Staking or locking CRO to unlock a higher tier means that token is committed to the platform and is not available for self-custody until the lockup ends.

The fund-safety net is uneven. The US issuer is FDIC-member, but FDIC coverage applies to deposit accounts at that bank, not to a prepaid card balance. The UK issuer is FCA-authorised as an e-money institution but is not covered by the Financial Services Compensation Scheme. European e-money rules require safeguarding of customer funds in segregated accounts, but those funds are not deposit-guaranteed. None of this is unique to Crypto.com; it is the standard shape of a crypto card programme. It is, however, the part of the picture that is easiest to gloss over when the headline rate is 4.5%.

The everyday-hassle layer

Three smaller things are worth raising.

• The cards page does not publish a dispute process. If a merchant does not deliver what you paid for, the standard Visa chargeback rules apply, but you go through the issuer, not through Crypto.com support.
• The inactivity fee is real. If you stop using the card for a year, the European card starts charging 5 EUR a month (6 EUR from 1 October 2026). If you do not need the card, close it instead of leaving it idle.
• The balance and the platform are not the same thing. “Max card balance” of 25,000 EUR in Europe is the card’s cap; your Crypto.com account can hold more. Move the difference out only when you actually need it.

What to take instead

The honest comparison is not “card A versus card B” because each alternative has its own structure. The closest peers in the same space are MSX, Bybit Card, and MEXC. Here is how they line up based on their published terms.

MSX

The MSX card scores 6.4 out of 10. Official documentation for the card does not state the supported regions, card form, costs, fees, funding sources, or rewards structure. Check for company updates before applying.

Bybit Card

The Bybit Card scores 6.0 out of 10. The card is offered in Argentina, the AIFC in Kazakhstan, Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru, and a broader “Asia Pacific” group. The cards page is explicit that the card is not meant for customers in the European Economic Area, and all EEA participation is prohibited. Bybit’s fiat-service restricted list covers Belarus, the Russian Federation, Serbia, China, and the United States, with the caveat that Russian users can transact in RUB.

Both virtual and physical cards are issued in most regions, with a virtual card required first and a physical card rolled out in phases. Brazil and Peru use Visa prepaid; Argentina uses Mastercard prepaid; the rest use Mastercard credit or Visa credit. Card fiat currency is local to the country.

Issuance is free for the virtual card; physical card issuance ranges from 5 USD in Argentina and Asia Pacific to 29.99 USD in Australia, Georgia, and the AIFC, with Brazil and Mexico free and VIP holders exempt. The cards page says “auto interest, no annual fees”.

The crypto conversion fee is 0.9% above the One-Click Sell rate in most regions, 0.5% in Argentina, and not supported in Peru. FX fees sit on top of the network rate: 2% in Australia, Asia Pacific, Georgia, and Mexico; 2% on purchases outside Kazakhstan for the AIFC; 7% in Argentina; 1.5% in Brazil; 1% in Peru. Argentina also carries VAT 21% on foreign digital services, a 30% tax on foreign transactions, and a provincial gross-income tax between 1% and 13.2%.

From 5 October 2026, only crypto-funded transactions earn points or cashback; fiat-funded spending does not. The published tiers are Base 2.00% (cap 5 USDT a month), Beta 2% (50 USDT, 500 USDT monthly spend), Alpha 4% (150 USDT, 3,500 USDT), Apex 6% (250 USDT, 9,500 USDT), Omega 8% (400 USDT, 12,500 USDT), and Infinite 10% (600 USDT, 25,000 USDT). Cashback is paid in USDT at 0.002 USDT per point after a four-day pending period. The welcome offer is 10% cashback up to 110 USDT in the first 30 days.

MEXC

The MEXC card scores 5.6 out of 10. The supported-region list on the page starts with “The Philippines, Taiwan, Thailand…” and links to a details page I did not read. The card is virtual only; physical cards are not yet available. The issuance fee is 20 USD on the main page, with a possible 0 USD discounted price shown next to it, and the underlying guide (not read) lists fees that vary by card type. There is no service fee stated. The top-up path is USDT into a Fiat account, then onto the card. Networks and the FX fee are not stated on the public page.

Cashback is paid by M-Score tier by the 15th of the following month: Standard 4% (cap 100 USDT a month), Premier 6% (300 USDT, 600 to 799 M-Score), Elite 10% (800 USDT, 800+ M-Score). The referral structure pays 20 USDT to the referrer and 10 USDT to the referee.

A short reading of the comparison

If you are choosing a crypto card by rewards, the headline numbers look similar across the four. The difference is in the support, the fee model, and the regional fit. Bybit is the only one of the three that openly excludes the EEA, which makes it irrelevant for a European reader. MEXC’s lower score reflects the thinner published detail rather than a known failure. MSX’s lower score reflects the same. The Crypto.com card’s score reflects both breadth and a fee structure that gets expensive at the lower tiers.

Who I would recommend it to

The Crypto.com card is the right fit in a narrow set of situations. The clearest cases are:

• You are a resident of the US, Europe, Singapore, Canada, Australia, the UK, or Brazil, and you want a Visa prepaid card that you can fund from crypto.
• You already hold CRO, or you are willing to lock some up, and the tiered cashback is genuinely worth the lockup to you.
• You are comfortable with a custodial platform and you read the small print, particularly around category exclusions and the inactivity fee.
• You are happy for the card’s free ATM allowance to be your main use case, and you are not relying on it for everyday point-of-sale spend in non-EUR currencies.

The card is the wrong fit if:

• You want the cheapest prepaid card regardless of crypto rewards. There are simpler prepaid cards with no 1% top-up fee and no 2% ATM over-limit fee.
• You want a self-custody experience. Your funds sit with the issuer and the platform; if self-custody matters to you, look for a card that draws from your own wallet.
• You live in one of the unsupported or restricted countries, or you have a residential address in a country not on the 31-country European list. The card is simply not available to you.
• You are in the EEA and considering Bybit instead. Bybit is not a fallback for you.
• You want strong consumer protection as a default. The cards page does not describe dispute handling, and the savings behind the card are not bank-deposit-protected.

If none of the positive cases applies, the card is a serviceable prepaid Visa with a crypto-flavoured rewards layer that gets thinner the more you scratch it. If two or more of the positive cases applies, the card is genuinely one of the better-structured options in the category.

Frequently asked questions

What is the Crypto.com card?

The Crypto.com card is a prepaid Visa card. You top it up from a balance inside the Crypto.com app, then spend from that balance at any merchant that accepts Visa. Cashback is paid in CRO, the platform’s own token, and the rate depends on which tier you hold.

How does the Crypto.com card work?

The card sits on top of a balance in your Crypto.com account. You convert crypto to your card’s local currency inside the app, the converted amount is loaded onto the card, and the card spends that balance at the till or online. You cannot load crypto directly onto the card; the conversion happens in the app first.

Is Crypto.com a bank?

No. Crypto.com is a financial-services brand that operates through regulated entities. In the US the card is issued by Community Federal Savings Bank, in Europe by Foris MT Limited, in Singapore by Foris Asia Pte. Ltd., in Canada by Digital Commerce Bank, in Australia by Foris GFS Australia Pty Ltd, and in the UK by ForisGFS UK Limited. The card balance is not a deposit and is not covered by deposit guarantee schemes.

Who owns Crypto.com?

The cards page identifies the brand as Crypto.com in the site footer. The operating entities are the issuers named in the previous answer. Crypto.com was founded in 2016 by Bobby Bao, Kris Marszalek, Rafael Melo, and Gary Or.

Is the Crypto.com card available in my country?

The card is available in the US, Canada, Brazil, the UK, Australia, Singapore, and 31 European countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, and the United Kingdom. Unofficial third-party sources list ten restricted countries but are inconsistent on Sudan, so treat that list as a guide rather than definitive. The card is not currently available outside this footprint.

How do I get the Crypto.com card?

You apply in the Crypto.com app. The application collects name, address, date of birth, and a national ID number, and may ask for a driver’s licence or other photo ID. The card is then issued as a virtual card on approval, with the physical card shipped to your address. Issuance fees depend on your tier and region.

Does the Crypto.com card require KYC?

Yes. As a regulated financial product, the application runs the standard identity checks. The cards page shows the US PATRIOT Act notice: name, address, date of birth, and a national ID number, with photo ID where required. The minimum age and the full list of documents are not stated on the cards page.

How do I top up the Crypto.com card?

You can top up from the in-app Crypto Wallet, from the Cash Account, or from another credit or debit card. The European minimum is 20 EUR for a card top-up, which carries a 1% fee. Crypto must be converted to your card’s local currency before the top-up, and the aggregated top-up cap is 25,000 USD a month, all tiers.

How do I add the Crypto.com card to Apple Wallet?

Third-party sources report that the card supports Apple Pay, Google Pay, and Samsung Pay, with availability varying by region. The cards page itself does not confirm this. Once your card is issued, the option should appear in the app; if it does not, the feature is not available in your region.

Is the Crypto.com card safe?

It carries the same risks as any custodial card programme: the platform holds your funds, the card itself is prepaid and not deposit-insured, and the rewards are paid in a token whose value can move. The cards page cites AICPA SOC, ISO 27701, ISO 22301, and PCI DSS. Card-level security features (2FA, freeze, spending controls) are not described on the cards page. Trustpilot sits at 2.0 out of 5 from 9,493 reviews, with most complaints about the wider app and exchange rather than the card itself.

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