#29
KuCoin Card
6.6/10
Ranked #30 of 32
Overview
The Crypto.com Visa Card is the most recognized crypto card in the world — a custodial, prepaid Visa you load with fiat or crypto and spend anywhere Visa is accepted, with 0% foreign-transaction fees and Apple Pay/Google Pay support. Its rewards run through the Level Up program (revamped November 2024): you access tiers by staking or locking CRO for 12 months, or by paying a subscription. Tiers rise from Midnight Blue (no stake) through Ruby Steel, Jade Green/Royal Indigo, Icy White/Rose Gold, Obsidian, and Prime, with higher tiers adding Spotify/Netflix rebates and airport-lounge access.
★ Crypto.com Card referral code
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New users who sign up with this code typically get a sign-up bonus once you complete your first eligible purchase. Rewards vary by region and are set by Crypto.com Card.
Rating breakdown
How the Crypto.com Card scores across the categories we weigh into its overall 6.0/10.
Fees & value5.9
Rewards6.3
Ease of use6.0
Security & custody5.8
Availability5.9
Cashback & rewards
Crypto.com pays card rewards in CRO (its volatile native token) through the Level Up tier system, and the economics changed sharply with the November 2024 revamp. The free Midnight Blue tier now earns 0% — a key trap, since many sign up expecting the headline rate. Above it: Ruby Steel (~$400 CRO) pays 2%, Jade Green/Royal Indigo (~$4,000) pays 3% plus Spotify and lounge access, Icy White/Rose Gold ($50,000) pays 4–5% plus Netflix, Obsidian ($500,000) pays 5% (up to 6.5% actively staking), and Prime ($1M) pays up to 8% on everyday spend and 15% on travel. The CRO must be staked/locked for 12 months (a 36-day unbonding period applies to unstake), and if you unstake you drop to Basic and lose perks. Because rewards and stake are both in CRO, a price drop during the lock can wipe out the cashback gains entirely, reviewers consider the Jade/Indigo 3% tier the practical value ceiling for most people. Lower tiers also carry monthly reward caps.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Midnight Blue | No CRO stake | 0% | No rewards |
| Ruby Steel | ~$400 CRO staked (12 mo) | 2% in CRO | Monthly cap applies |
| Jade Green / Royal Indigo | ~$4,000 CRO staked (12 mo) | 3% in CRO + Spotify + lounge | Monthly cap applies |
| Icy White / Rose Gold | ~$50,000 CRO staked (12 mo) | 4–5% in CRO + Netflix | Higher/uncapped |
| Obsidian / Prime | $500,000–$1,000,000 CRO staked (12 mo) | 5–8% in CRO (15% travel) | Uncapped |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $Not specified |
| Card issuance | Free |
| Card spend (USD)Fee on purchases made in US dollars | 0% in card currency; ~0.5% crypto-to-fiat conversion spread |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 0% FX markup on international spend (most tiers) |
| ATM withdrawals | Free up to $200–$1,000/month by tier, then 2% |
How to get the Crypto.com Card
- 1. Download the Crypto.com app (iOS or Android) and complete full KYC verification.
- 2. Confirm the card is available in your country (broad coverage including the US, UK, EEA, and more).
- 3. Join the Level Up program: choose a tier by staking/locking CRO (12 months) or paying a subscription — or pick Basic (Midnight Blue) for no stake.
- 4. Apply for the card matching your tier and provide a delivery address for the physical card.
- 5. Load fiat or crypto to your card wallet (it's prepaid — you pre-fund before spending).
- 6. Add the card to Apple Pay or Google Pay and spend; CRO rewards are credited after eligible purchases.
Pros & cons
Pros
- Most widely available crypto card — US, UK, EEA, and many more countries
- 0% foreign-transaction fees on international spending
- No annual or monthly card fee; free issuance
- Premium tiers add Spotify/Netflix rebates and 1,300+ airport lounges
- Apple Pay and Google Pay; mature, polished app
- Free ATM withdrawals up to tier limits
- Can link to Dosh for extra merchant cashback
Cons
- Base Midnight Blue tier now earns 0% cashback (a common surprise)
- Meaningful rewards require large CRO stakes locked for 12 months
- Cashback paid in volatile CRO — a price drop can erase rewards and cut stake value
- Custodial, Crypto.com holds your funds; not self-custody
- 36-day unbonding period to unstake; unstaking downgrades you to Basic
- Monthly reward caps on lower tiers; several perks were cut in Nov 2025
- Requires full KYC; prepaid model needs pre-funding
Is It Worth It?
Best for users already embedded in the Crypto.com ecosystem who hold CRO, believe in the token, and can lock $4,000+ for 12 months to reach the Jade/Indigo 3% tier — the practical sweet spot with Spotify and lounge perks. Good for frequent international travelers (0% FX, lounge access). A poor fit for casual spenders (under ~$500/month), anyone unwilling to hold volatile CRO, self-custody advocates, or users who'd otherwise sit on the 0% base tier.
Where you can use it
Supported countries
Available in 36 countries
🇺🇸 United States
🇬🇧 United Kingdom
🇦🇺 Australia
🇦🇹 Austria
🇧🇪 Belgium
🇧🇷 Brazil
🇧🇬 Bulgaria
🇨🇦 Canada
🇭🇷 Croatia
Cyprus
🇨🇿 Czechia
🇩🇰 Denmark
🇪🇪 Estonia
🇫🇮 Finland
🇫🇷 France
🇩🇪 Germany
🇬🇷 Greece
🇭🇺 Hungary
🇮🇸 Iceland
🇮🇪 Ireland
🇮🇹 Italy
🇱🇻 Latvia
🇱🇹 Lithuania
🇱🇺 Luxembourg
Malta
🇳🇱 Netherlands
🇳🇴 Norway
🇵🇱 Poland
🇵🇹 Portugal
🇷🇴 Romania
🇸🇬 Singapore
🇸🇰 Slovakia
🇸🇮 Slovenia
🇪🇸 Spain
🇸🇪 Sweden
🇨🇭 Switzerland
No match in the supported list.
Availability can change and may depend on your verification status. Always confirm on the provider's official site before signing up.
Frequently asked questions
Does the Crypto.com Visa Card offer cashback?
Yes, but only above the free tier. Midnight Blue earns 0%; rewards of 2–8% require staking/locking CRO for 12 months (e.g. ~$4,000 for 3%, $1M for 8%). Cashback is paid in volatile CRO.
Is the Crypto.com Visa Card available in my country?
It's one of the most widely available crypto cards — the US, UK, EEA, Australia, Canada, Singapore, Switzerland, Brazil and more. Availability changes with licensing, so check the app.
Does the Crypto.com Visa Card require KYC?
Yes. Full KYC/AML verification is mandatory, as Crypto.com complies with regulations in every jurisdiction it operates in.
Is the Crypto.com Visa Card custodial or self-custodial?
Custodial. Crypto.com holds your funds; it's a prepaid card you load, not a self-custody product.
What network does the Crypto.com Card run on?
Visa, with 0% foreign-transaction fees on most tiers, plus Apple Pay and Google Pay support.
What's the catch with the cashback?
Rewards are in CRO and require a 12-month stake/lockup. If CRO's price falls during the lock, both your stake value and reward value drop; unstaking triggers a 36-day unbonding period and downgrades you to the 0% Basic tier.
