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Best Crypto.com Credit Cards

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Crypto.com

The highest tier available and the flagship of Crypto.com’s MCO card...
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 2%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
To access this card tier, customers are required to stake 5,000 MCO...
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1.75%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
To access this card tier, customers are required to stake 5,000 MCO...
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1.75%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
To access this card tier, customers are required to stake 500 MCO tokens....
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1.5%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
To access this card tier, customers are required to stake 500 MCO tokens....
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1.5%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: 2.5
To access this card tier, customers are required to stake 50 MCO tokens....
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: no reviews
Considered the beginner-level MCO card, this card does not require the...
  • $0
    Annual fee
  • $0
    Welcome Bonus
  • 1%
    Rewards Rate
  • Min.Credit:
                        
  • Rating: 3.5

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Crypto.com Cards

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Crypto.com is a leading cryptocurrency exchange. Besides offering a platform for users to buy, trade, and sell currencies and a decentralized exchange, they offer cryptocurrency cards.

These cards allow crypto holders to use their assets for real-world spending. Since the Crypto.com Rewards Visa card runs on the Visa network, it's widely accepted by retailers and millions of locations worldwide.

Types of Crypto.com Cards

Crypto.com offers a series of Visa cards with different tiers depending on the amount of Cronos (CRO) you stake. CRO is the native cryptocurrency token of Crypto.com Chain. It's converted to CAD based on the real-time market value and loaded to your Crypto.com card. Here are the tiers and the staking amount:

  • Obsidian - This top-of-the-line Visa card has a staking amount of $500,000.
  • Frosted Rose Gold and Icy White - Choose between a Frosted Rose Gold theme and an Icy White theme. A slight downgrade from Obsidian, this Visa card tier requires you to stake $50,000.
  • Royal Indigo and Jade Green - Requires a stake worth $5,000. You can choose between a Royal Indigo theme and a Jade Green theme.
  • Ruby Steel - This Visa card requires a CRO stake of $500.
  • Midnight Blue - This entry-level Visa card doesn’t require you to stake any CRO.

Crypto.com Visa Card Perks

Each level of the Crypto.com Visa card comes with unique benefits. Here’s what you’ll get for each tier.

Obsidian

As an obsidian cardholder, you’ll receive a 100% refund for monthly Spotify, Netflix, and Amazon Prime subscriptions. Also, you’ll be reimbursed 10% of the cost for Expedia and Airbnb purchases. You and one guest will access over 1,000 airport lounges worldwide through LoungeKey.

Besides those benefits, cardholders gain access to Crypto.com Private. This grants you OTC block trades of CRO, priority access to industry events, and an exclusive inheritance service.

Frosted Rose Gold and Icy White

With this tier, you gain access to Crypto.com private and airport lounges through LoungeKey. Airport lounge access applies to yourself and one guest.

Refunds for select subscription services apply, including Spotify (100%), Netflix (100%), Amazon Prime (100%), and Expedia (10%).

As a cardholder, you’ll also receive fee-free ATM withdrawals each month capped at $1,000.

Royal Indigo and Jade Green

These cards also come with a monthly refund for Spotify and Netflix. The reimbursement percentage for each is 100. You’ll also benefit from monthly fee-free withdrawals with a limit of $800 per month.

Ruby Steel

The main perk of this card is the 100% monthly reimbursement for Spotify. You'll also receive fee-free ATM withdrawals for up to $500 per month.

Midnight Blue

This free option only has monthly fee-free ATM withdrawals capped at $200.

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Crypto.com Visa Card Reward Program

Crypto.com Visa cards earn CRO rewards of up to 8% on eligible purchases. CRO rewards are essentially cashback rewards.

Each card earns these rewards:

  • Obsidian: 8%
  • Frosted Rose Gold and Icy White: 5%
  • Royal Indigo and Jade Green: 3%
  • Ruby Steel: 2%
  • Midnight Blue: 1%

You’ll receive your CRO rewards as a direct deposit into your Crypto Wallet in the Crypto.com App.

Pros and Cons of Crypto.com Visa Cards

Cryptocurrency cards are in a league of their own. For this reason, consider these benefits and drawbacks before settling on one.

The Pros of Crypto.com Cards

  • No monthly or annual fee. Crypto.com Visa cards don't carry a monthly or annual fee.
  • No credit check is required. Crypto.com won't make an inquiry for your credit score when you apply for a card.
  • Rewards in the form of Crypto. If you’re looking to build a portfolio with digital currencies, these cards reward you with CRO.
  • Airport lounge access. With a top-tier Crypto.com Visa card in hand, you and a guest will have access to 1,000 airports globally.

The Cons of Crypto.com Cards

  • Low limits on fee-free ATM withdrawals. The fee-free ATM withdrawals only apply up to a certain amount, which is low on some cards.
  • No welcome offers. There aren’t any exciting sign-up bonuses for new cardholders.
  • The volatility of digital currencies. Cryptocurrencies are notoriously volatile, so it’s often a risky investment.
  • Premium benefits require high staking. You’ll have to pledge a significant amount of money to unlock pro features.

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Offers shown here are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.

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January 2, 2022
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FAQs about
Crypto.com Cards

Who Should Get This Card?

Cryptocurrency enthusiasts looking for a convenient way to convert their assets into spendable funds might find this card worth it. You can use your card to make purchases and earn rewards. Depending on your level of investment, you’ll get CRO rewards of up to 8%.

Is the Crypto.com Visa Card a Credit Card?

No. It’s a prepaid card, which works differently from a credit card. Think of it as a debit card, except it’s not linked to your bank account. You make a bank transfer or use your credit card, debit card, or crypto holdings to add money to your card.

How Do I Apply for a Crypto.com Visa Card?

You can apply for a Crypto.com visa card through the Crypto.com app. First, create an account, then complete their KYC verification. Afterwards, purchase CRO tokens. If you aren’t buying CRO directly in the App, deposit them into your Crypto Wallet in the App.

Once you’ve bought your CRO tokens, you’ll need to stake them for 180 days. You will then receive your card.

What’s Staking?

Staking involves placing your funds for a specified time with a specific platform. When applying for a Crypto.com Visa card, you’ll park your CRO tokens with Crypto.com for 6 months.

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