Crypto.com Card

Crypto.com Card Overview

Crypto.com is one of the world's largest cryptocurrency platforms, founded in 2016 by Kris Marszalek (CEO), Bobby Bao, Rafael Melo, and Gary Or. Originally launched as Monaco Technologies GmbH in Hong Kong, the company rebranded to Crypto.com in July 2018 after acquiring the premium domain name.

Headquartered in Singapore, Crypto.com has grown to serve over 140 million customers worldwide, making it one of the most widely adopted crypto platforms globally. The company employs approximately 4,000 people and operates under multiple regulatory licenses across major financial jurisdictions including the US, UK, EU, Singapore, Australia, and Hong Kong.

Crypto.com offers a comprehensive ecosystem including a cryptocurrency exchange, DeFi wallet, NFT marketplace, and the flagship Crypto.com Visa Card. The platform's native token, Cronos (CRO), serves as the backbone of its rewards and staking programs.

The company has built significant brand recognition through high-profile partnerships and sponsorships, including the renaming of the Staples Center in Los Angeles to Crypto.com Arena, Formula 1 sponsorship, UFC partnership, and the UEFA Champions League deal. Celebrity ambassador Matt Damon fronted their "Fortune Favors the Brave" campaign.

In 2025, Crypto.com entered a major strategic partnership with Trump Media and Technology Group to create Trump Media Group CRO Strategy Inc., a digital asset treasury focused on CRO tokens, further cementing its position in the mainstream financial landscape.

Products & Services

Card Tiers

Crypto.com offers six distinct Visa prepaid card tiers, each with different staking requirements and benefits:

Midnight Blue (Free)

• No subscription fee or CRO lockup required
• 0% CRO rewards on everyday spending
• Up to 1.5% CRO rewards on travel spending
• Basic entry-level card

Ruby Steel ($500 CRO Staking)

• $4.99/month subscription OR $500 CRO 12-month staking
• 2% CRO rewards on everyday spending (capped at $25/month)
• Up to 5% CRO rewards on travel spending
• 3 months Spotify and Truth+ rebates
• Metal card design
• Priority support

Jade Green / Royal Indigo ($5,000 CRO Staking)

• $29.99/month subscription OR $5,000 CRO 12-month staking
• 3% CRO rewards on everyday spending (capped at $75/month)
• Up to 10% CRO rewards on travel spending
• 6 months Spotify, Netflix, and Truth+ rebates
• Airport lounge access (4x/year for annual subscribers)
• Voice and messaging support
• Priority support

Icy White / Rose Gold ($50,000 CRO Staking)

• $50,000 CRO 12-month staking required
• 4% CRO rewards on everyday spending (no cap)
• 15% CRO rewards on travel spending
• Permanent Spotify, Netflix, and Truth+ rebates
• Airport lounge access with +1 guest
• Voice and messaging support
• Exclusive experiences (F1, UFC, UEFA events)

Obsidian ($500,000 CRO Staking)

• $500,000 CRO 12-month staking required
• 5% CRO rewards on everyday spending (no cap)
• 15% CRO rewards on travel spending
• All Icy White benefits plus private account manager (coming soon)

Prime ($1,000,000 CRO Staking)

• $1,000,000 CRO 12-month staking required
• 8% CRO rewards on everyday spending (no cap)
• 15% CRO rewards on travel spending
• Full suite of premium benefits
• Private account manager

Key Features

• CRO Rewards: Earn cryptocurrency rewards on every purchase, paid directly to Crypto.com Wallet
• Subscription Rebates: Get reimbursed for Spotify, Netflix, and Truth+ subscriptions in CRO
• Level Up Program: New rewards system that maximizes membership benefits based on CRO lockup
• Travel Rewards: Enhanced cashback rates on travel-related purchases up to 15%
• Airport Lounge Access: LoungeKey membership for Jade tier and above
• Exclusive Experiences: VIP access to F1, UFC, and UEFA events for higher tiers
• Metal Cards: Premium metal card designs for Ruby tier and above
• Mobile Payments: Apple Pay and Google Pay support

Fees & Pricing

Fee Type	Details
Card Issuance	Free (shipping may vary by region)
Annual Fee	Staking-based (no traditional annual fee)
Monthly Subscription	Free - $29.99/month depending on tier
Top-Up Fee	Varies by method and region
ATM Withdrawal	Free up to monthly limit, then 2%
Foreign Exchange	Interbank rates, fees vary by jurisdiction and tier
Signup Bonus	$25 CRO

Free ATM Withdrawal Limits

Card Tier	Monthly Free Limit
Midnight Blue	$200
Ruby Steel	$400
Jade Green / Royal Indigo	$800
Icy White / Rose Gold	$1,000
Obsidian	$1,000
Prime	TBA

ATM & Top-Up Caps

Limit Type	Amount
Monthly ATM Cap	$5,000 - $10,000 (varies by tier)
Monthly Top-Up Limit	$25,000 (all tiers)

Supported Assets & Funding

The Crypto.com Card can be funded using:

• Fiat Currency: Direct bank transfers
• CRO: Native token for rewards and staking
• 100+ Cryptocurrencies: Including BTC, ETH, USDT, USDC, and more
• Crypto Wallet: Instant conversion from Crypto.com app balance
• Cash Account: Fiat holdings within the app
• Credit/Debit Cards: Top-up via external cards

Note: All cryptocurrency is automatically converted to fiat currency when loading the card. You cannot spend crypto directly—it converts at point of top-up.

Geographic Availability

Supported Regions:

• United States (except Hawaii)
• European Union (EU/EEA countries)
• United Kingdom
• Canada
• Asia-Pacific: Singapore, Australia, Hong Kong, South Korea, Japan

Card Issuers by Region:

• US: Community Federal Savings Bank (Member FDIC)
• EU: Foris MT Limited (Malta EMI License)
• UK: ForisGFS UK Limited (FCA Authorized)
• Singapore: Foris Asia Pte Ltd (MAS Licensed)
• Australia: Foris GFS Australia Pty Ltd (AFSL No. 467462)

Restricted Countries: Over 80 countries including China, Russia, North Korea, Iran, and various sanctioned territories.

Security & Compliance

Crypto.com maintains industry-leading security and regulatory standards:

Regulatory Licenses:

• US: Money Services Business, Money Transmitter Licenses, Broker-Dealer Registration
• EU: MiCA Class 2 License, EMI License, MiFID Investment Firm License
• UK: FCA Crypto-Asset Registration, EMI License
• Singapore: MAS Major Payment Institution License
• Australia: AFSL and Digital Currency Exchange License
• Hong Kong: Virtual Asset Trading Platform License

Security Certifications:

• SOC 2 Type II Compliance (AICPA)
• ISO 27701 (Privacy Information Management)
• ISO 22301 (Business Continuity)
• PCI DSS Compliance

Security Features:

• Two-Factor Authentication (2FA)
• Biometric login (fingerprint/face recognition)
• Real-time transaction notifications
• Instant card freeze via app
• Address whitelisting for withdrawals
• Cold storage for 100% of user crypto

Pros

• Up to 8% CRO rewards on all spending with Prime tier
• $25 CRO signup bonus
• Free card available with no staking requirement (Midnight Blue)
• Over 100 cryptocurrencies supported for funding
• Accepted at 90+ million Visa merchants worldwide
• Premium metal card designs for Ruby tier and above
• Spotify, Netflix, and Truth+ subscription rebates
• Airport lounge access with LoungeKey partnership
• Available in US, EU, UK, Canada, and APAC
• Part of comprehensive Crypto.com ecosystem
• Level Up program maximizes staking benefits
• No annual fees on any tier
• Industry-leading security certifications
• FDIC-insured card issuer in US
• Apple Pay and Google Pay support
• Exclusive experiences (F1, UFC, UEFA events)

Cons

• Free tier offers 0% cashback rewards
• Higher tier benefits require substantial CRO staking ($500-$1,000,000)
• CRO price volatility can affect staking value
• Crypto must be converted to fiat before spending
• Monthly rewards cap on Ruby ($25) and Jade ($75) tiers
• 2% ATM fee after free monthly limit
• Complex tier structure can be confusing
• Subscription rebates limited to specific platforms
• No true credit card functionality (prepaid only)
• CRO rewards subject to change at company discretion
• Custodial model means funds are held by Crypto.com

Who Is Crypto.com Card Best For?

Ideal For:

• Crypto holders seeking everyday spending utility
• Frequent travelers wanting travel rewards and lounge access
• Users who want to earn crypto rewards passively
• Spotify, Netflix, and streaming subscribers
• Long-term CRO investors willing to stake for benefits
• Users seeking a comprehensive crypto ecosystem (exchange + card + DeFi)
• Those wanting a premium metal card with status benefits

Not Suitable For:

• Users unwilling to stake CRO for meaningful rewards (0% on free tier)
• Those seeking non-custodial or self-custody solutions
• Users in restricted countries
• People who prefer spending crypto directly without conversion
• Those uncomfortable with CRO price volatility affecting staking value
• Users seeking credit card functionality (this is prepaid only)

Key Features

• CRO Rewards on everyday spending (0% to 8% depending on tier)
• CRO Rewards on travel spending (up to 1.5% to 15% depending on tier, coming soon)
• Priority support (from Ruby Steel tier)
• Voice & messaging support (from Jade Green / Royal Indigo tier)
• Exclusive experiences: F1, UFC, UEFA & more (from Jade Green / Royal Indigo tier)
• Private account manager (coming soon from Jade Green / Royal Indigo tier)
• Subscription rebates: Spotify, Netflix, and Truth+ (3 months to permanent depending on tier)
• Airport lounge access (from Jade Green / Royal Indigo tier, with variations by tier)

Crypto.com Card Alternatives

• Coinbase Card — Lower barrier to entry, rotating crypto rewards up to 4%, no staking required
• Bybit Card — 10% cashback for new users, seven tiers with 2% minimum rewards
• Nexo Card — Spend against crypto collateral without selling, dual debit/credit functionality
• BitPay Card — Simple crypto-to-fiat prepaid card, no staking requirements
• Binance Card — Competitor ecosystem with BNB rewards, available in select regions
• MetaMask Card — Self-custody Mastercard with wallet integration