Card to the Future
Crypto.com Midnight Blue card
Card art from crypto.com

Crypto.com Visa Card

VisaCustodialKYC fullprepaid

A custodial prepaid Visa card (virtual and metal) for Crypto.com App users, with up to 4.5% CRO rewards on spend. Since Sept 2025 card tiers sit inside the Level Up programme, unlocked by a monthly/yearly subscription or a 12-month CRO lockup/stake; benefits and fees were cut several times in 2025-2026.

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73Card Score, #2 of 36
$23You keep a year
B74Trust points of 100
89%Key fields with a source

Plans side by side

Crypto.com Midnight Blue card
Midnight Blue
Crypto.com Ruby Steel card
Ruby Steel
Crypto.com Jade Green / Royal Indigo card
Jade Green / Royal Indigo
Crypto.com Icy White / Rose Gold card
Icy White / Rose Gold
Crypto.com Obsidian card
Obsidian
Price
Monthly priceFree1Free tier€3.991EUR; or EUR 39.90 yearly. Alternative: EUR 450 CRO lockup€24.991EUR; or EUR 249.90 yearly. Alternative: EUR 4,500 CRO lockup—No subscription option; CRO lockup/stake only—No subscription option; CRO lockup/stake only
Yearly priceFree1Free€39.9116% off the monthly price€249.9116% off the monthly price—No subscription option; CRO lockup/stake only—No subscription option; CRO lockup/stake only
Virtual card feeFree16Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)Free16Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)Free16Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)Free16Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)Free16Virtual card issued instantly in app; card itself has no setup, monthly or annual fee (Level Up plan fee is separate)
Physical card fee€4.992€24.992Free for annual subscribers, monthly subscribers with 6+ months, or anyone with an active lockup/stake—Only Midnight and Ruby issuance fees are listed; card upgrade fee is waived—Only Midnight and Ruby issuance fees are listed; card upgrade fee is waived—Only Midnight and Ruby issuance fees are listed; card upgrade fee is waived
Shipping7-14 business days estimated delivery (EU and UK)16A shipping fee may apply to some physical card requests; amount not published7-14 business days estimated delivery (EU and UK)16A shipping fee may apply to some physical card requests; amount not published7-14 business days estimated delivery (EU and UK)16A shipping fee may apply to some physical card requests; amount not published7-14 business days estimated delivery (EU and UK)16A shipping fee may apply to some physical card requests; amount not published7-14 business days estimated delivery (EU and UK)16A shipping fee may apply to some physical card requests; amount not published
Replacement€45.012EEA residents; card upgrade fee is waived€502EEA residents; card upgrade fee is waived€502EEA residents; card upgrade fee is waived€502EEA residents; card upgrade fee is waived€502EEA residents; card upgrade fee is waived
Staking needed010No subscription or lockup needed450 CRO, 365 days1,10,11Locked 365 days (marketing says 12 months). Unstaking in full only after the lock; ~36-day unbonding, then drops to Basic. Alternative to subscription where one exists4,500 CRO, 365 days1,10,11Locked 365 days (marketing says 12 months). Unstaking in full only after the lock; ~36-day unbonding, then drops to Basic. Alternative to subscription where one exists45,000 CRO, 365 days1,10,11Locked 365 days (marketing says 12 months). Unstaking in full only after the lock; ~36-day unbonding, then drops to Basic. Alternative to subscription where one exists450,000 CRO, 365 days1,10,11Locked 365 days (marketing says 12 months). Unstaking in full only after the lock; ~36-day unbonding, then drops to Basic. Alternative to subscription where one exists
Other requirementsLevel Up Basic, no requirement10Level Up Plus: subscription OR CRO lockup/stake (only one needed)10Level Up Pro: subscription OR CRO lockup/stake (only one needed)10Level Up Private: CRO lockup/stake only10Level Up Private: CRO lockup/stake only10
Rewards
Cashback0%1,9No spending rewards on Basic1.5%1,9Everyday spend, paid in CRO. Fee-free ATM and FX perks follow the card tier, rewards follow the Level Up plan2.5%1,9Everyday spend, paid in CRO. Fee-free ATM and FX perks follow the card tier, rewards follow the Level Up plan3.5%1,9Everyday spend, paid in CRO. Fee-free ATM and FX perks follow the card tier, rewards follow the Level Up plan4.5%1,9Everyday spend, paid in CRO. Fee-free ATM and FX perks follow the card tier, rewards follow the Level Up plan
Paid in—No rewards on this tierCRO9Credited to the Token Wallet shortly after each eligible purchaseCRO9Credited to the Token Wallet shortly after each eligible purchaseCRO9Credited to the Token Wallet shortly after each eligible purchaseCRO9Credited to the Token Wallet shortly after each eligible purchase
Cashback cap a month—No rewards on this tier€7509,2Monthly spend (USD or equivalent) eligible for rewards, not a cap on the reward amount.€1,5009,2Monthly spend (USD or equivalent) eligible for rewards, not a cap on the reward amount.€3,0009,2Monthly spend (USD or equivalent) eligible for rewards, not a cap on the reward amount. Above this, rewards drop to 0.5% on the excess.€5,0009,2Monthly spend (USD or equivalent) eligible for rewards, not a cap on the reward amount. Above this, rewards drop to 1.0% on the excess.
Earns on—No rewards on this tierAll purchases except excluded merchant categories/countries, local or overseas, no minimum spend9,14All purchases except excluded merchant categories/countries, local or overseas, no minimum spend9,14All purchases except excluded merchant categories/countries, local or overseas, no minimum spend9,14All purchases except excluded merchant categories/countries, local or overseas, no minimum spend9,14
No cashback on—No rewards on this tierExcluded MCCs include 4,829 (wire transfer), 4,900 (utilities), 5,734 (software), 5,947, 6,012, 6,051, 6,211, 6,300, 6,513, 6,532, 6,540, 7,372, 8,999, 9,222, 9,311, 9,399; Crypto.com may exclude others14Excluded MCCs include 4,829 (wire transfer), 4,900 (utilities), 5,734 (software), 5,947, 6,012, 6,051, 6,211, 6,300, 6,513, 6,532, 6,540, 7,372, 8,999, 9,222, 9,311, 9,399; Crypto.com may exclude others14Excluded MCCs include 4,829 (wire transfer), 4,900 (utilities), 5,734 (software), 5,947, 6,012, 6,051, 6,211, 6,300, 6,513, 6,532, 6,540, 7,372, 8,999, 9,222, 9,311, 9,399; Crypto.com may exclude others14Excluded MCCs include 4,829 (wire transfer), 4,900 (utilities), 5,734 (software), 5,947, 6,012, 6,051, 6,211, 6,300, 6,513, 6,532, 6,540, 7,372, 8,999, 9,222, 9,311, 9,399; Crypto.com may exclude others14
Vesting—No rewards on this tierNo vesting; rewards credited shortly after purchase9Rewards stop if the CRO lockup/stake is unlocked or the subscription lapses (downgrade to Basic)No vesting; rewards credited shortly after purchase9Rewards stop if the CRO lockup/stake is unlocked or the subscription lapses (downgrade to Basic)No vesting; rewards credited shortly after purchase9Rewards stop if the CRO lockup/stake is unlocked or the subscription lapses (downgrade to Basic)No vesting; rewards credited shortly after purchase9Rewards stop if the CRO lockup/stake is unlocked or the subscription lapses (downgrade to Basic)
PointsNone; rewards are paid directly in CRO9None; rewards are paid directly in CRO9None; rewards are paid directly in CRO9None; rewards are paid directly in CRO9None; rewards are paid directly in CRO9
PerksUp to 5% CRO rewards on Crypto.com Travel bookings, Virtual and physical (non-metal) card1,16CRO rebate on Spotify and Truth+ subscriptions for 3 months (cap USD 13.99 Spotify, USD 9.95 Truth+ per month), Up to 20% CRO rewards on Crypto.com Travel, Metal card1,9,16CRO rebate on Spotify, Netflix and Truth+ subscriptions for 6 months (cap USD 13.99 / 13.99 / 9.95 per month), Priority Pass lounge access: 2 free visits per calendar year (cut from 4 on 2026-10-01 for EU/UK/LATAM); annual subscribers or active lockup/stake only, Priority customer support, Up to 25% CRO rewards on Crypto.com Travel, Choice of card colour, Metal card1,9,13,16Permanent CRO rebates on Spotify, Netflix and Truth+, Unlimited Priority Pass lounge visits for the cardholder; free guest access removed from 2026-10-01 (EU/UK/LATAM), Priority customer support, Up to 30% CRO rewards on Crypto.com Travel, Invitations to sporting and VIP events (Level Up Private page), Choice of card colour, Metal card1,9,12,13,16Permanent CRO rebates on Spotify, Netflix and Truth+, Unlimited Priority Pass lounge visits for the cardholder; free guest access removed from 2026-10-01 (EU/UK/LATAM), Priority customer support, Up to 40% CRO rewards on Crypto.com Travel, Invitations to sporting and VIP events (Level Up Private page), Metal card1,9,12,13,16
Fees
FX fee2%2Non-EUR purchases and ATM withdrawals: 0.2% within the EU and UK, 2.0% outside0.2% within EU/UK; outside EU/UK 0% up to EUR 400 per calendar month, then 2.0%2New from 2026-10-01; before that no FX fee on this tier0.2% within EU/UK; outside EU/UK 0% up to EUR 800 per calendar month, then 2.0%2New from 2026-10-01; before that no FX fee on this tier0%2No FX fee on this tier0%2No FX fee on this tier
Top-up fee1%21% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account1%21% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account1%21% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account1%21% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account1%21% on debit/credit card top-ups; no fee stated for top-up from crypto wallet or Cash Account
Free ATM a month€2002€4002€8002€8002€1,0002
ATM fee2%2On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit2%2On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit2%2On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit2%2On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit2%2On amounts above the free monthly limit; ATM operator surcharges count toward the withdrawal limit
Inactivity fee€62Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01€62Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01€62Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01€62Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01€62Per month after 12 months without cardholder-initiated activity; raised from 5 on 2026-10-01
Limits
Spend limit a day€25,0002POS purchases incl. online; also max card balance 25,000€25,0002POS purchases incl. online; also max card balance 25,000€25,0002POS purchases incl. online; also max card balance 25,000€25,0002POS purchases incl. online; also max card balance 25,000€25,0002POS purchases incl. online; also max card balance 25,000
Spend limit a month€25,0002€25,0002€25,0002€25,0002€25,0002
Spend limit a year€250,0002ATM yearly limit is 75,000€250,0002ATM yearly limit is 75,000€250,0002ATM yearly limit is 75,000€250,0002ATM yearly limit is 75,000€250,0002ATM yearly limit is 75,000
ATM limit a day€2,0002Max 3 withdrawals per day€2,0002Max 3 withdrawals per day€2,0002Max 3 withdrawals per day€2,0002Max 3 withdrawals per day€2,0002Max 3 withdrawals per day
ATM limit a month€10,0002Max 30 withdrawals per month€10,0002Max 30 withdrawals per month€10,0002Max 30 withdrawals per month€10,0002Max 30 withdrawals per month€10,0002Max 30 withdrawals per month

What you keep

Rewards you can spend$135 paid in a volatile token, counted at 50%+$68
Subscription−$45
Net a year, Ruby Steel plan$23

$1,000 a month, 20% in a foreign currency, no staking. Change

Trust

Licence and regulator24 of 25

E-money institution in Malta (MFSA), MiCA crypto-asset licence, UK entity, US cards issued by Community Federal Savings Bank.1,12

Custody and fund protection12 of 20

Custodial. Proof of reserves attested and a $750M custody insurance programme; card funds safeguarded as e-money.26,27

Incidents in the last 24 months12 of 20

Repeated cuts in the last 24 months: perks ended Nov 2025, staking yields cut Sep 2026, new FX fees Oct 2026.9,11,2

Track record and verified volume15 of 15

Card running since 2018 at large scale; 100M+ app users claimed.25

Published fees and terms7 of 10

Detailed fee tables per region, but the plans page still shows 0% FX and old yields.1,11

Support and user sentiment4 of 10

Trustpilot 2.0 from 9,400+ reviews, 72% one-star. App Store 4.66 from 335K ratings.23,21

Company

Legal entityForis MT Limited (EEA card issuer, e-money institution, Malta); Foris DAX MT Limited (crypto-asset service provider, Malta); ForisGFS UK Limited (UK); Foris, Inc. (US program manager)1,4,15
Websitecrypto.com1

Issuer and licence

Card issuerEEA/LATAM: Foris MT Limited; UK: ForisGFS UK Limited; US: Community Federal Savings Bank (Member FDIC)1,4,15,12Canada, Singapore, Australia issuers not checked
Program managerForis, Inc. (US); Crypto.com group entities elsewhere15
LicencesE-money / financial institution licence, Malta (MFSA) - Foris MT Limited, Visa Principal Member (Issuing), MiCA crypto-asset service provider authorisation, Malta (MFSA) - Foris DAX MT Limited, Bank-issued in US under licence from Visa U.S.A. (Community Federal Savings Bank)1,12
RegulatorMalta Financial Services Authority (EEA); issuing bank regulators in US1
NetworkVisa2,3Help center says Prepaid Visa; the Bahrain/GCC card is Mastercard, and the EEA FAQ text oddly says Mastercard
Card levelVisa Platinum (prepaid)16Per help-center naming; US also offers a separate Crypto.com Visa Signature credit card (not this product)

The card

Statuslive1
Typeprepaid1,16Prepaid, must be topped up; not a debit card linked to a bank account
FormsVirtualPhysicalMetal16,17Basic (Midnight Blue) is a non-metal card; Plus and above are metal; virtual cards work online only, no POS/ATM
Custodycustodial1,2Funds sit in the Crypto.com App; crypto is converted to fiat before it is loaded to the card
How custody worksCardholders cannot load cryptocurrency onto the card; all crypto is converted to the market currency at top-up1
KYCfull16Account onboarding plus residential address proof to apply
Settles inEUR (EEA card); USD, GBP, CAD, AUD, SGD for other issuing regions2,3,4,5,6,7
Card currenciesEURGBPUSDCADAUDSGD2,3,4,5,6,7Card currency follows the issuing region; Bahrain/GCC also exists

Funding

Crypto acceptedBTCETHOver 100 cryptocurrencies including BTC and ETH, converted to card currency on top-up20
Fiat top-upSEPAFaster PaymentsBank cardCash AccountPayPalApple Pay20,3,6,7
Deposit feesCard top-up 1% (EEA/UK; debit 1% and credit 2.99% in US; PayPal 2.1% US)2,3,20
Minimum deposit20 (EUR/USD) for card top-ups2,3
Spends fromPrepaid balance in card currency after conversion; funds cannot be moved back to the Cash Account once topped up20

Payments

Apple Pay18
Google Pay19
Samsung Pay19
3-D Secure133DS authentication can be triggered, e.g. during Priority Pass registration check
Online subscriptionsYes9Spotify, Netflix, Truth+ rebates work when the card is the payment method; international usage may need enabling
Blocked merchantsNo blanket MCC block published here; 17+ MCCs (wire transfer, utilities, software, financial institutions, brokers, insurance, government) are excluded from rewards only. Purchases at merchants in 21 sanctioned/high-risk countries (EU card: AF, BI, MM, CF, CD, CU, ER, GW, IR, IQ, LB, LY, ML, KP, RU, SO, SS, SD, SY, VE, YE) are blocked14

Where it works

RegionsUnited StatesCanadaEurope (EEA)United KingdomAustralia and New ZealandAsia-PacificLatin AmericaMiddle East3,5,2,4,7,6,8
United States3Prepaid card; ineligible CRO staking states NY, CA, MD, NJ, WI (lockup instead)
United Kingdom4
EEA2
Excluded countriesAfghanistanAfghanistanBurundiBurundiMyanmar (Burma)Myanmar (Burma)Central African RepublicCentral African RepublicCongo - KinshasaCongo - KinshasaCubaCubaEritreaEritreaGuinea-BissauGuinea-BissauIranIranIraqIraqLebanonLebanonLibyaLibyaMaliMaliNorth KoreaNorth KoreaRussiaRussiaSomaliaSomaliaSouth SudanSouth SudanSudanSudanSyriaSyriaVenezuelaVenezuelaYemenYemen14Merchant countries blocked for the EU card; US/CA/SG lists also add BY, GN, UA, ZW

Account

Local accountsCash Account with SEPA (EUR) and FPS (GBP) bank transfers20
P2P transfersCard-to-card transfers between Crypto.com cardholders (EEA 100-5,000 EUR daily by tier)2,20
Yield on balance5%11Up to 5% p.a. on idle cash balances for top Level Up plans; the EUR plans page labels the cash-yield feature 'Coming soon'
Multi-currencySingle-currency card per region; other currencies at Visa rates20
OtherLevel Up bundle: zero trading fees (plans Plus+), CRO staking rewards est. up to 6%, stock-transfer bonus up to 3% (US)11,12

Security

Proof of reservesYes26Independent attestation of reserves (first Dec 2022, Mazars); seen via search snippet of the security page
InsuranceUSD 750 million crypto custody insurance programme (2021 release)27Covers cold storage; cardholder prepaid funds are e-money safeguarded in segregated accounts (UK article)
AuditsISO/IEC 27001:2022, PCI DSS v4.0 Level 1, SOC 2 Type II, ISO 27,701, ISO 22,301, NIST CSF Tier 426From search snippets of Crypto.com security and news pages

App

App Store rating4.6621US storefront
App Store ratings335,74121US storefront
Google Play rating4.4122693,697 ratings
Google Play installs50M+22
App StoreOpen in App Store21
Google PlayOpen in Google Play22
Languages26 languages on iOS21
Web app1Crypto.com Web is referenced by the card FAQ
SupportIn-app live chatchat.crypto.comCard phone hotlines per region (e.g. EU/UK +33 1 76 42 00 95, US +1 888-824-8817)1,18

Reputation

Trustpilot223UK Trustpilot site, 'Poor'; the .com page showed 1.5 in a search snippet
Trustpilot reviews9,4332372% are 1-star; about 9,124 on .com snippet
Common complaintsWithdrawals delayed or denied, Slow scripted support, Account freezes and closures, Card never arrived or hard to fund, Reduced cashback offer23
Common praiseEasy, fast app, Security measures, Support eventually resolves some cases23Several 5-star reviews are company-invited

Adoption

Users, claimed100 million+ users (May 2024 company announcement)25Card holder count not published

Referrals

Affiliate programYes24Run through Impact.com; applications on the page
Affiliate pagecrypto.com24
Affiliate termsUp to 50% commission/revenue share across products, no earning cap stated; monthly payouts after validation24

Incidents and changes

Oct 2026From 2026-10-01 EU/UK (2026-09-01 elsewhere) FX fees start for Ruby/Jade/Indigo above a monthly allowance (2.0%, 3.0% in AU), Midnight Singapore FX rises 0.5% to 2.0%, and inactivity fees rise (EEA 5 to 6; US $4.95 to $5.95).2,3,5,6,7fee change
Sep 2026From 2026-09-10 Level Up CRO lockup yields were cut: Pro 4% to 3%, Private-50k 8.5% to 5%, Obsidian 9% to 6%.11fee change
Sep 2026From 2026-09-01 (2026-10-01 in EU/UK/LATAM) Pro lounge visits fell from 4 to 2 per year and free guest access for Private was removed.13fee change
Nov 2025On 2025-11-02 Expedia, Airbnb, X and Amazon Prime rebates ended for Icy/Rose and Obsidian, and the non-staking 1%/2% card rewards were removed; Truth+ rebate added on 2025-11-13.9fee change
Sep 2025Subscription option added on 2025-09-02; tiers renamed Basic/Plus/Pro/Private and CRO lockup/stake became one route among two.11,10fee change
Nov 2024Level Up launched on 2024-11-06 and replaced the legacy cardholder CRO staking/lockup; Expedia, Airbnb, X and Amazon Prime perks later dropped.11,9fee change
May 2022Crypto.com cut card rewards and staking yields; CRO fell about 11% as the community reacted.28fee change

Regional differences

USfx fee: 33USD card; non-USD purchases and ATM withdrawals
USfx fee: 33USD card; non-USD purchases and ATM withdrawals
USfx fee: 33USD card; non-USD purchases and ATM withdrawals
USfx fee: 03No FX fee
USfx fee: 03No FX fee
USatm free monthly: 2003USD
USatm free monthly: 4003USD
USatm free monthly: 8003USD
USatm free monthly: 1,0003USD
USatm free monthly: 1,0003USD
USatm limit monthly: 5,0003USD
USatm limit monthly: 10,0003USD
USatm limit monthly: 10,0003USD
USatm limit monthly: 10,0003USD
USatm limit monthly: 10,0003USD
USatm limit daily: 5003USD
USatm limit daily: 1,0003USD
USatm limit daily: 2,0003USD
USatm limit daily: 2,0003USD
USatm limit daily: 2,0003USD
UStiers[*].inactivity fee: 5.953USD per month; $4.95 until 2026-08-31
USissuance physical: 4.993USD; Ruby USD 29.99 under the same conditions as elsewhere
USreplacement fee: 73USD; other tiers USD 50
UStiers[*].topup fee: 13Debit 1%, credit 2.99%, PayPal 2.1% (USD)
USspend limit daily: 10,0003USD; other tiers 25,000. Monthly 15,000 for Midnight vs 25,000
UKreplacement fee: 45.014GBP; other tiers 50
UKissuance physical: 4.994GBP; Ruby 24.99
UKtiers[*].inactivity fee: 64GBP per month from 2026-10-01 (5 before)
UKfx fee: 0.2% in UK/EU; outside 0% up to GBP 400/month then 2.0%4Jade/Indigo GBP 800
UKpayments.apple pay: No18Not available for UK cards
Canadafx fee: 25CAD; Ruby/Jade free up to CAD 700/1,400 per month then 2.0% from 2026-09-01
Canadaissuance physical: 4.995CAD; Ruby CAD 39.99
Singaporefx fee: 260.5% until 2026-08-31, 2.0% from 2026-09-01; Ruby free up to SGD 600/month, Jade SGD 1,200
Singaporeatm free monthly: 2006SGD, overseas ATMs only
Singaporeatm free monthly: 4006SGD, overseas ATMs only
Singaporeatm free monthly: 8006SGD, overseas ATMs only
Singaporeatm free monthly: 1,0006SGD, overseas ATMs only
Singaporeatm free monthly: 1,0006SGD, overseas ATMs only
Singaporetiers[*].topup fee: 06Debit 0%, credit 1%, Apple Pay top-up 2%
Australiafx fee: 37AUD; Ruby free up to AUD 700/month then 3.0% from 2026-09-01; Jade AUD 1,400
Australiaatm free monthly: 2007AUD
Australiaatm free monthly: 4007AUD
Australiaatm free monthly: 8007AUD
Australiaatm free monthly: 1,0007AUD
Australiaatm free monthly: 1,0007AUD
Australiaissuance physical: 5.997AUD; Ruby AUD 49.99
Brazil and LATAM (USD EU-issued)fx fee: 28Ruby/Jade free up to USD 500/1,000 per month then 2.0% from 2026-10-01
Brazil and LATAM (USD EU-issued)atm free monthly: 1808USD
Brazil and LATAM (USD EU-issued)atm free monthly: 3608USD
Brazil and LATAM (USD EU-issued)atm free monthly: 7208USD
Brazil and LATAM (USD EU-issued)atm free monthly: 9008USD
Brazil and LATAM (USD EU-issued)atm free monthly: 9008USD
Brazil and LATAM (USD EU-issued)spend limit daily: 4,4008USD for all tiers; yearly 268,000
Level Up pagecashback rate: 3.512EUR plans page shows Private '3.5-4.5%' back and 8.5%/9.5% lockup yield; the help center says 5%/6% from 2026-09-10, so the plans page looks stale
UKatm free monthly: 1804GBP per month; 2% above it
UKatm free monthly: 3604GBP per month; 2% above it
UKatm free monthly: 7204GBP per month; 2% above it
UKatm free monthly: 7204GBP per month; 2% above it
UKatm free monthly: 9004GBP per month; 2% above it

More details

What replaced the metal-colour tiersLevel Up (launched 2024-11-06; subscription added 2025-09-02): Basic=Midnight Blue, Plus=Ruby Steel, Pro=Jade Green/Royal Indigo, Private=Icy White/Rose Gold (50k tier) and Obsidian (500k tier). Rewards follow the Level Up plan; ATM and FX perks follow the physical card tier.9,10,11
Stake amounts in USD (US and USD markets)Plus USD 500, Pro USD 5,000, Private USD 50,000 / 500,000 (EEA: EUR 450 / 4,500 / 45,000 / 450,000)1,10
CRO unbonding after unstakingAbout 36 days; no Level Up booster or staking rewards during and after it. Upgrading restarts the 365-day clock.11
CRO staking/lockup reward rates (from 2026-09-10)Lockup: Pro 3%, Private-50k 5%, Obsidian 6%. Staking: Pro up to 3.6%, Private up to 6% (estimates, not guaranteed)11
CRO staking available inEligible US states, UK, EEA, Switzerland, Australia, New Zealand, Argentina, Brazil, Colombia, Mexico, Peru, Bahrain, Oman, Saudi Arabia, UAE, Kuwait, Philippines, Taiwan, Malaysia; excluded US states NY, CA, MD, NJ, WI (others use lockup)11
Subscription rebate capsSpotify USD 13.99, Netflix USD 13.99, Truth+ USD 9.95 per month in CRO; one rebate per merchant per month and one card (prepaid or credit) per month; rebate spend is excluded from regular rewards9
Perks removedExpedia, Airbnb, X and Amazon Prime rebates ended 2025-11-02 for Icy/Rose and Obsidian; 1%/2% non-staking rewards ended the same day9
What happens when you stop paying/stakingDropped to Basic; rewards stop but the physical card's tier ATM/FX perks continue until renewal, when the card is reissued at the tier of your Level Up plan9,11
Related US productCrypto.com Visa Signature credit card (separate, credit check, up to 6% in CRO for Level Up members) is a different product; US applicants ineligible for it can switch to the prepaid card11,16
Maximum card balanceEEA/UK EUR/GBP 25,000 (US USD 25,000; LATAM USD 22,000)2,3,8
Account closure feeEUR/GBP 50 (US not listed; LATAM USD 55)2,4,8
Crypto.com Travel rewardsUp to 5% (Basic), 20% (Plus), 25% (Pro), 30% (Icy/Rose), 40% (Obsidian) in CRO on Crypto.com Travel1
Conflicting FX statementsLevel Up plans page still says '0% foreign exchange fees' on Plus/Pro/Private while the fee pages show FX fees for Midnight and, from Sep/Oct 2026, allowances on Ruby/Jade/Indigo12,2
Basis of tier figuresTier fields use the EEA/EUR card (the only view with every field from the issuer). US, UK, CA, SG, AU and LATAM differences are in 'regional'.1,2

Quick answers

What does the Crypto.com Visa Card cost?

The Midnight Blue plan: Free a month, €4.99 for a physical card.

How much cashback does the Crypto.com Visa Card pay?

0% on the Midnight Blue plan, paid in a form not published.

What is the Crypto.com Visa Card FX fee?

2% on the Midnight Blue plan.

Is the Crypto.com Visa Card custodial?

Custodial. Cardholders cannot load cryptocurrency onto the card; all crypto is converted to the market currency at top-up

Is the Crypto.com Visa Card available in the US, the UK and the EEA?

US: yes. UK: yes. EEA: yes.

How much do you keep with the Crypto.com Visa Card?

$23 a year on the Ruby Steel plan at $1,000 a month with 20% in a foreign currency, after every fee.

Sources

  1. Crypto.com Visa Card: tiers, rewards, fees (served in EUR / EEA view), issuer, Oct-25, 2026
  2. Prepaid Visa Card Fees and Limits (Europe, EEA residents), issuer, Nov-05, 2026
  3. Prepaid Visa Card Fees and Limits (United States), updated 2026-09-01, issuer, Oct-25, 2026
  4. Prepaid Visa Card Fees and Limits (United Kingdom), issuer, Nov-05, 2026
  5. Prepaid Visa Card Fees and Limits (Canada), issuer, Oct-25, 2026
  6. Prepaid Visa Card Fees and Limits (Singapore), issuer, Oct-25, 2026
  7. Prepaid Visa Card Fees and Limits (Australia/NZ), issuer, Oct-25, 2026
  8. Prepaid Visa Card Fees and Limits (Brazil and select LATAM, USD), issuer, Oct-25, 2026
  9. Crypto.com Prepaid Card - Rewards & Benefits, issuer, Nov-05, 2026
  10. How can I join Level Up?, issuer, Oct-25, 2026
  11. Level Up Rewards and Benefits (CRO lockup/staking rules, legacy tier mapping), issuer, Nov-05, 2026
  12. Level Up plans page (EUR pricing), issuer, Nov-05, 2026
  13. Priority Pass airport lounge access, issuer, Oct-25, 2026
  14. Restriction of CRO Rewards Program and Restricted Markets, issuer, Oct-25, 2026
  15. US Prepaid Visa Card cardholder agreement, effective 2026-09-01, issuer, Oct-25, 2026
  16. How to Apply for a Crypto.com Prepaid Card, issuer, Oct-25, 2026
  17. Virtual Card, issuer, Oct-25, 2026
  18. How to set up Apple Pay in your Apple Wallet, issuer, Oct-25, 2026
  19. How to set up Google/Samsung Pay, issuer, Oct-25, 2026
  20. How do I top up my Prepaid Visa Card (EU & UK), issuer, Oct-25, 2026
  21. Crypto.com App Store listing (via iTunes lookup API, US storefront), app store, Oct-25, 2026
  22. Crypto.com on Google Play, app store, Oct-25, 2026
  23. Crypto.com reviews on Trustpilot (UK site), trustpilot, Oct-25, 2026
  24. Crypto.com Affiliate Programme, issuer, Oct-25, 2026
  25. Crypto.com surpasses 100 million global users (May 2024), issuer, Oct-25, 2026
  26. Crypto.com Security, issuer, Oct-25, 2026
  27. Crypto.com expands insurance programme to USD 750 million (2021), issuer, Oct-25, 2026
  28. Crypto.com slashes card rewards (FXStreet, 2022-05-02), press, Oct-25, 2026

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