Crypto.com Card is a custodial crypto-funded prepaid Visa or Mastercard with virtual and physical cards, support for over 100 cryptocurrencies, automatic top-ups, and up to 4.5% CRO rewards through the Level Up program.
Why Crypto.Com can be a great choice.
Things to consider before applying.
Crypto.com Card is a prepaid payment card connected to the custodial Crypto.com App. It allows users to convert cryptocurrency into fiat currency and spend the loaded balance at merchants accepting Visa or Mastercard, depending on the regional card program.
Unlike cards that convert cryptocurrency directly at checkout, Crypto.com uses a prepaid fiat balance. Users must load the card before spending, although the Auto Top-Up feature can automatically convert selected crypto assets when the balance falls below a configured threshold.
The product operates through the Level Up program, which includes Basic, Plus, Pro and Private tiers. Higher plans offer increased rewards and additional benefits in exchange for a subscription or CRO lockup/stake.
Crypto.com supports card funding with more than 100 cryptocurrencies, including BTC and ETH. The complete list depends on the user's region and is available in the Card section of the application.
Users can also top up their cards from a supported fiat account or through an external debit or credit card. Available methods vary by country, with PayPal additionally supported for U.S. cardholders.
Crypto-funded top-ups are converted into the card's settlement currency. Once funds have been loaded, they generally cannot be transferred back to the Crypto.com Cash Account.
The Crypto.com Prepaid Card has no standard monthly or annual card maintenance fee. However, accessing higher Level Up benefits may require a paid subscription or CRO commitment.
For European users, Level Up Plus costs €3.99 per month or €39.90 annually, while Pro costs €24.99 per month or €249.90 annually. Private tiers require substantial CRO lockups or staking commitments.
Physical card issuance fees depend on the tier and region. In Europe, the Basic physical card costs €4.99, while a Ruby card can cost €24.99 for certain monthly Plus subscribers. Eligible longer-term subscribers and CRO holders can receive the Ruby card without an issuance fee.
Card funding fees also vary:
Europe — 1% for external debit or credit card top-ups.
United States — 1% for debit card top-ups, 2.99% for credit cards and 2.1% for PayPal.
Foreign-exchange charges depend on the regional program. U.S. Midnight, Ruby, Jade and Indigo cards carry a 3% fee on non-USD transactions, while higher U.S. tiers waive this charge.
In Europe, updated rules effective October 1, 2026, introduce a 0.2% fee for non-EUR transactions within the EU and UK on Midnight, Ruby, Jade and Indigo cards. Additional fees can apply to spending outside those regions once tier-specific allowances are exceeded.
An inactivity fee may apply after 12 months without cardholder-initiated financial activity.
Physical Crypto.com Cards support ATM withdrawals, with monthly fee-free allowances that increase by card tier.
European cards currently provide €200 per month for Basic, €400 for Ruby, €800 for Jade/Indigo and Icy/Rose, and €1,000 for Obsidian. Withdrawals above the allowance incur a 2% fee, excluding potential ATM operator charges.
European cards have a standard daily and monthly purchase limit of €25,000 and a maximum card balance of €25,000.
U.S. purchase limits range from $10,000 to $25,000 daily, depending on the card tier. ATM and loading limits also differ by region.
Crypto.com provides spending rewards through its Level Up membership program.
The current standard CRO reward rates are:
Basic — no spending rewards.
Plus — 1.5% on eligible purchases.
Pro — 2.5% on eligible purchases.
Private Icy/Rose — 3.5% on eligible purchases.
Private Obsidian — 4.5% on eligible purchases.
CRO rewards are subject to monthly qualifying-spend thresholds. Under the standard schedule, Plus rewards apply to the first $750 of eligible monthly spending, Pro to $1,500, Icy/Rose to $3,000 and Obsidian to $5,000. Private tiers continue earning at reduced rates above their thresholds.
Since June 2026, eligible cardholders in France, Germany and Italy can choose BTC instead of CRO rewards, with different reward rates and qualifying-spend limits.
Selected plans also provide Spotify, Netflix and Truth+ subscription rebates. Higher tiers can qualify for Priority Pass airport lounge access. Benefits depend on the active Level Up plan and may be time-limited.
Crypto.com operates prepaid card programs across Europe, the United States, Canada, Australia, Singapore and other supported markets. Bahrain and selected Gulf jurisdictions use a Mastercard program rather than Visa.
All applicants must complete identity verification. The Crypto.com account is custodial, and users do not control the private keys associated with assets held on the platform.
Google Pay is supported across the major card regions. Apple Pay is available in the United States, Canada, EU, Australia and Singapore, but is not currently supported for UK or Bahrain-issued Crypto.com prepaid cards.
Download the Crypto.com App and create an account.
Complete identity verification and any required address checks.
Open Level Up and compare the available card plans.
Select Basic or join a higher plan through a subscription or CRO lockup/stake.
Open the Card section and submit the application.
Wait for virtual card approval and issuance.
Add funds using cryptocurrency, fiat or another supported payment method.
Configure Auto Top-Up and add the card to Apple Pay or Google Pay if supported.
Request a physical card and activate it after delivery.
Quick answers to common questions about Crypto.Com.
Crypto.com supports prepaid card funding with more than 100 cryptocurrencies, including BTC and ETH. Users can convert supported digital assets into the card's fiat currency during top-up. The complete list of eligible assets depends on the region and is available in the application's Card section. Automatic top-ups can also be configured for supported cryptocurrencies.
The prepaid card itself has no standard monthly or annual maintenance fee, but higher Level Up plans may require subscriptions or CRO commitments. Physical issuance, foreign-exchange and funding fees depend on the regional program. European external card top-ups cost 1%, while U.S. debit and credit card top-ups cost 1% and 2.99%, respectively. ATM withdrawals above the monthly fee-free allowance incur a 2% fee.
Yes. Eligible Level Up members can receive CRO rewards ranging from 1.5% on Plus to 4.5% on the highest Private tier. Qualifying-spend caps apply, and eligible merchant categories are restricted. Users in France, Germany and Italy can also select BTC rewards under a separate rate structure. The free Basic plan does not offer standard spending cashback.
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