Crypto.com Visa Card is a prepaid Visa card that connects your Crypto.com account to everyday spending. Earn CRO token rewards on every purchase, with rates up to 5% depending on your card tier. Available as both a physical metal card and a virtual card for instant online use.\n\n### Card Tiers\n\n| Tier | Fee / Stake Requirement | CRO Rewards | Monthly Cap |\n|------|------------------------|-------------|-------------|\n| Midnight Blue | Free | 0% | N/A |\n| Ruby Steel | $4.99/month or stake $500 CRO | 2% | $25 |\n| Jade Green / Royal Indigo | $29.99/month or stake $5,000 CRO | 3% | $75 |\n| Icy White / Rose Gold | Stake $50,000 CRO | 4% | Unlimited |\n| Obsidian | Stake $500,000 CRO | 5% | Unlimited |\n\n### Key Features\n\n- CRO Rewards — Earn CRO token cashback on every eligible purchase, paid into your Crypto Wallet instantly.\n- Subscription Rebates — Higher tiers get rebates on Spotify, Netflix, and Truth+ subscriptions.\n- Airport Lounge Access — Jade Green and above tiers enjoy complimentary lounge access.\n- Free ATM Withdrawals — Monthly free ATM limits ranging from $200 (Midnight) to $1,000 (Icy/Obsidian).\n- Virtual Card — Get a virtual card instantly after approval for online spending.\n- Apple Pay & Google Pay — Add your card to mobile wallets for contactless tap-to-pay.\n- Top-Up Options — Fund your card via Crypto Wallet, Cash Account, or debit/credit card.\n\n### How It Works\n\n1. Create a Crypto.com account and select your card tier.\n2. Lock up CRO (or pay subscription fee) depending on the tier.\n3. Top up your card with fiat or crypto (crypto is converted to fiat before loading).\n4. Spend anywhere Visa is accepted and earn CRO rewards.\n\n### Availability\n\nAvailable in the US, UK, European Economic Area, Canada, Australia, Singapore, and select other regions. Subject to jurisdictional restrictions.
Pros
- Up to 5% CRO cashback rewards on everyday spending at the highest card tier (Obsidian)
- Free monthly ATM withdrawals with limits ranging from $200 (Midnight) to $1,000 (Icy/Obsidian)
- No annual fees on any card tier — pay only optional subscription fees or stake CRO for higher rewards
- Complimentary airport lounge access (Priority Pass) for Jade Green tier and above
- Subscription rebates on Spotify and Netflix for Ruby Steel tier and above
Cons
- High CRO staking requirements for premium tiers — $50,000 to $500,000 for the best reward rates
- Card is prepaid, not debit — requires manual top-up before spending, adding an extra step
- Midnight Blue (free tier) offers 0% cashback — no rewards without staking or subscription
- Rewards paid in CRO tokens, which are subject to market price volatility and may lose value
- Rewards decrease after the first year unless ongoing CRO stake is maintained