Crypto.com
by Foris MT Limited
The Crypto.com Visa Card is a prepaid card integrated with the 'Level Up' program. Users select a plan (Basic, Plus, Pro, Private) via subscription or CRO lockup to unlock tiered cashback (up to 4.5%), subscription rebates, and travel perks.
Unique Features
- Pay for benefits via monthly subscription instead of holding volatile crypto
- Metal cards for higher tiers
- Disposable Virtual Cards (US only)
Pros
- High cashback rates (up to 4.5%) for high tiers
- Flexible access: Monthly subscription OR CRO lockup
- Priority Pass lounge access & Spotify/Netflix rebates (Pro/Private)
- No foreign transaction fee on Icy White / Rose Gold / Obsidian cards
Cons
- Prepaid (not a credit card)
- Complex tier structure (Plan vs. Physical Card)
- ATM withdrawals capped before fees apply
- Monthly fee applies if not locking up CRO (for Plus/Pro)
- Card replacement fee in Europe: €45.01 for Basic (Midnight), €50 for other tiers ($7 for Basic in US)
- From 1 Oct 2026 Plus/Pro (Ruby/Jade/Indigo) FX is free only up to €400/€800 per month outside the EU/UK, then 2%; Basic 0.2% EU/UK, 2% outside
- Inactivity fee €6 per month after 12 months without activity (from 1 Oct 2026)
Integrations & Tech
Available In (36)
Tier Comparison
Basic (Midnight Blue)
0% CashbackFee Structure
ATM Capabilities
Detailed Fee Structure
EEA (issuer fees article, effective 1 Oct 2026): Midnight 0.2% within EU/UK, 2% outside. Ruby no fee outside EU/UK up to €400 per calendar month, 2% thereafter; Jade/Indigo up to €800 per month, 2% thereafter (0.2% within EU/UK). Icy/Rose/Obsidian no fee. Not a single global FX %.
Free ATM: Midnight €200, Ruby €400, Jade/Indigo €800, Icy/Rose €800, Private €1000
Card top-up 1%
Detailed Limits
Fee Details
Basic/Midnight physical card issuance is €4.99. Card re-issuance in Europe: €45.01 (Midnight), €50 (other tiers); in the USA the Basic card re-issuance fee is $7. Card top-up 1% (credit/debit card). ATM: 2% above the monthly free limit. Inactivity: €6 per month after 12 months with no cardholder-initiated activity (raised from €5 on 1 Oct 2026). FX (EEA, from 1 Oct 2026): Midnight 0.2% within EU/UK and 2% outside; Ruby no fee outside EU/UK up to €400/month then 2%; Jade/Indigo up to €800/month then 2%; Icy/Rose/Obsidian no fee. Plus and Pro plans have a monthly subscription fee if the user does not choose the CRO lockup option.
Limits & Conditions
Standard EEA limits: €25,000 monthly POS spend. ATM free withdrawal limits: Midnight €200, Ruby €400, Jade/Indigo €800, Icy/Rose €800, Private/Obsidian €1,000. 2% fee applies after free limit.
Crypto Capabilities
Security & Custody
Supported Assets
