Crypto.com Card Review 2026: Tiers, Fees, Caps and Whether It’s Worth It

Crypto.com runs one of the biggest crypto apps in the world, and its Visa card is the product that brought crypto cashback to millions of people. For anyone who already buys, holds or stakes on Crypto.com, the card turns that balance into everyday spending without a bank transfer in between.

The card has also changed more than almost any other in the market. Tiers were renamed, rewards were cut in 2022, perks were dropped in 2025, and a subscription now sits next to the old CRO staking model.

If you signed up years ago on the promise of 5% back and free Netflix, you have probably watched those numbers shift more than once. If you are new, it can be hard to tell which figures on review sites still apply.

But the biggest change is simpler than it looks. The free card now pays no cashback at all, and every paid plan caps or conditions the rewards in ways the headline rate doesn’t show.

I first published this Crypto.com card review in April 2025. For this update, I re-checked every tier, fee and perk against Crypto.com’s own card page and help center in September 2026.

Quick answer: The Crypto.com Visa Card is a prepaid Visa card in Europe and most other markets, and a Visa Signature credit card in the US. The free Basic tier pays 0% cashback.

In Europe, paid plans pay 2% to 5% in CRO. Plus costs €3.99 a month and caps rewards at $25; Pro costs €24.99 a month and caps them at $75. The uncapped Private tiers need €45,000 or €450,000 of CRO staked for 12 months.

It suits heavy Crypto.com users who spend enough to clear the subscription. For most people, a card with free cashback or lower fees costs less.

What the Crypto.com Visa Card Is in 2026

Crypto.com now sells two different cards, and the one you get depends on where you live.

Outside the US, the Crypto.com Visa Card is a prepaid card. You top it up from your crypto wallet, your Crypto.com cash account or another bank card, and it spends that fiat balance anywhere Visa is accepted. Because it is prepaid, it can’t go into debt, and you can only lose what you have loaded.

In the US, the flagship is now the Crypto.com Visa Signature Credit Card, issued through Bread Financial. It needs a credit check, spends a credit line in dollars and pays rewards in BTC or CRO. A USD-denominated prepaid card also exists for US users who don’t want credit.

Both cards run on the same rewards system, called Level Up. Your Level Up plan, not the color of your card, decides your cashback rate, your monthly cap and your perks. This review uses the European prepaid card as the main example, because it is the most widely available version.

Crypto.com Card Tiers in 2026: The Level Up Plans

The old metal card names still appear on the cards themselves, but the rewards now come from four Level Up plans:

• Basic (Midnight): free, 0% cashback, €200 of free ATM withdrawals a month
• Plus (Ruby): €3.99 a month, €39.90 a year, or €450 of CRO staked for 12 months. 2% back, capped at $25 a month
• Pro (Jade Green or Royal Indigo): €24.99 a month, €249.90 a year, or €4,500 of CRO staked for 12 months. 3% back, capped at $75 a month
• Private (Icy White or Rose Gold): €45,000 of CRO staked for 12 months. 4% back with no monthly cap
• Private (Obsidian): €450,000 of CRO staked for 12 months. 5% back with no monthly cap

The subscription option arrived on September 2, 2025. Before that, the only way to a paid tier was locking CRO for a year, which tied your rewards to the price of a single token.

The subscription removes that token risk for Plus and Pro. It doesn’t remove the caps, and the Private tiers still require a stake.

Subscription or CRO Staking?

A subscription costs a fixed fee and can be cancelled when your billing cycle ends. A CRO stake costs nothing upfront in fees, but your money sits in CRO for 365 days and can’t be withdrawn early.

Staking also pays a return on the locked CRO. From September 10, 2026, Crypto.com’s lockup rewards are 3% a year on Pro, 5% on Private at €45,000 and 6% on Obsidian. Plus stakes earn no lockup reward.

That return only matters if CRO holds its value. A 30% fall in CRO over the lock period wipes out several years of cashback on a large stake, and you can’t sell during the lock.

If you don’t already want to hold CRO for a year, the subscription is the safer way into Plus or Pro.

What the Cashback Is Really Worth

The monthly caps decide what Plus and Pro can earn, so the headline percentage tells only half the story.

Plus pays 2% until you have earned $25 in a month, which happens at $1,250 of spending. Anything you spend beyond that earns nothing until the next month.

Pro pays 3% until you have earned $75, which happens at $2,500 of spending. The Private tiers have no monthly cap on the European card.

The subscription comes out of those rewards first. Plus covers its €3.99 fee once you spend about €200 a month, and Pro covers its €24.99 fee at about €833.

At the caps, Plus leaves about $21 a month after its fee and Pro about $48. The annual plans raise those figures slightly, because they cost 16% less than paying monthly.

Two more details shape the payout. Rewards are paid in CRO, so their value moves with the token until you convert them. Some merchant categories and countries are also excluded from rewards, and Crypto.com lists them in its help center.

You can compare these numbers with other cards at your own spending level in our card cost calculator.

Perks: Streaming Rebates and Lounge Access

The perks are where Crypto.com still stands apart from most crypto cards, although they are narrower than they used to be.

Paid plans refund Spotify, Netflix and Truth+ subscriptions in CRO, up to $13.99 a month each for Spotify and Netflix and $9.95 for Truth+. On Plus, the rebates last three months after you join. On Pro they last six months, and on Private they have no end date.

Monthly subscribers don’t get the rebates at all. They apply to annual subscribers and to members with an active CRO stake.

Airport lounge access covers more than 1,700 lounges for you and a guest. On Crypto.com’s European card page, it is listed for annual Pro subscribers, capped at four visits a year.

Several perks disappeared on November 2, 2025. Icy, Rose and Obsidian cardholders lost their Expedia, Airbnb, X and Amazon Prime rebates, and older cards lost their non-staking spending rewards.

Crypto.com Card Fees and Limits

The card has no annual or monthly card fee on the Basic plan, but it isn’t free to use in every situation.

• Card issuance: the virtual card is free, and the physical Midnight card costs €4.99 in Europe. Upgrading to a higher plan waives the re-issuance fee, although shipping may apply.
• Foreign currency: Crypto.com’s European fee schedule lists 2% on non-EUR spending outside the EU and the UK on the free card, and 0.2% within them.
• ATM withdrawals: free up to €200 a month on Basic, €400 on Plus, €800 on Pro and Private at €45,000, and €1,000 on Obsidian. After that, withdrawals cost 2%.
• Limits: up to €10,000 of ATM withdrawals and €25,000 of top-ups a month on every plan.

Topping up from your crypto wallet converts the crypto at Crypto.com’s exchange rate, which varies by jurisdiction and tier. Top-ups from other bank cards can carry fees, and the app shows them before you confirm.

The full fee table is on our Crypto.com Visa Card page, and our safety check scores the issuer on licensing and custody.

The US Card: Crypto.com Visa Signature Credit Card

US residents now get a credit card instead of the old prepaid Visa. It works like any rewards credit card, and you pay the balance at the end of the month.

Rewards depend on your Level Up plan. Basic pays 1.5% on the first $250 a month, then 1%. Higher plans raise the rate up to 6% on Private at $500,000, with 2% on spending above each plan’s monthly limit. Rewards come in BTC or CRO.

Because you spend dollars on credit rather than selling crypto, a purchase doesn’t trigger a crypto sale. New cardholders can also earn a welcome bonus of up to $300 in CRO by meeting a spending target in their first 90 days.

A credit check applies, and interest charges erase the rewards quickly if you carry a balance.

The Reward Cuts: Why the History Matters

Crypto.com has cut card rewards before, and each change landed on people who had already locked CRO.

In 2022, Crypto.com cut reward rates across its card tiers, a change that drew heavy backlash from cardholders with CRO already locked. In 2025, the tiers were rebuilt into Level Up, monthly caps arrived on Plus and Pro, and several travel and shopping rebates were dropped.

That history is the strongest argument against locking a large amount of CRO for the card alone. The terms can change during your lock period, while your stake can’t.

Availability and KYC

The prepaid card is available across the European Economic Area and in many other markets, with separate fee schedules for the US, the UK, Australia, Singapore, Brazil and the Gulf. The European version covers residents with an address in the EEA.

Every tier, including Basic, requires full identity verification with an ID and a selfie. There is no no-KYC version, which our guide to no-KYC crypto debit cards explains in more detail.

Apple Pay and Google Pay are supported, and the virtual card is ready as soon as your account is approved.

Crypto.com Card vs Alternatives

The Crypto.com card competes on perks, while most of its rivals compete on fees or free cashback.

OKX Card. In Europe, the OKX Card charges no card or FX fee, only a 0.1% spread, and pays 2% on USDG purchases without a subscription. My OKX Card review covers its caps, and the Crypto.com vs OKX Card comparison puts the numbers side by side.

MetaMask Card. The MetaMask Card pays 1% with no fee and keeps your funds in your own wallet. The MetaMask vs Crypto.com comparison shows the yearly cost of each.

Bitpanda Card. The Bitpanda Card pays 1% on crypto spending across the euro area with no subscription or stake.

RedotPay. RedotPay pays no cashback on its standard card (3% on Apple Pay and Google Pay with its paid Pro plan) but works in far more countries, with very high limits. The RedotPay vs Crypto.com comparison covers both.

Our best crypto cards ranking and the full crypto card comparison cover every card we track.

Who Should (and Shouldn’t) Use the Crypto.com Card

The card makes the most sense for people already committed to the Crypto.com app.

• Heavy Crypto.com users who spend $1,250 to $2,500 a month on the card and pay annually
• Subscribers to Spotify or Netflix who want the rebates for a few months
• Frequent travellers on an annual Pro plan who will use the lounge visits
• US residents with good credit who want crypto rewards on a credit card

It makes less sense for these readers:

• Anyone who wants cashback without paying for it, since Basic pays nothing
• People who would need to buy and lock CRO just for the card
• Low spenders, who won’t cover the Pro subscription
• Anyone who wants their funds in a self-custody wallet

Final Verdict: Is the Crypto.com Card Worth It in 2026?

The Crypto.com card is worth it for a narrow group: Crypto.com users who spend enough to clear the subscription and value the rebates and lounge access. For them, Pro on an annual plan returns up to about $48 a month after its fee.

For everyone else, the free card no longer earns anything, and cheaper cards now pay cashback without a subscription. The European OKX Card, the MetaMask Card and the Bitpanda Card all return more at typical spending levels.

If you do sign up, the subscription is the lower-risk route. It keeps your rewards separate from the price of CRO, and you can cancel if the terms change again.

What Changed in This Update (September 2026)

• Replaced the old tier names and stake amounts with the Level Up plans and their subscription option
• Added the monthly reward caps on Plus and Pro, with break-even spending for each subscription
• Added the US Visa Signature credit card
• Updated the perks, including the Truth+ rebate and the rebates removed in November 2025
• Updated ATM allowances and limits from Crypto.com’s European card page
• Added comparisons with the OKX, MetaMask, Bitpanda and RedotPay cards