The Crypto.com Card is a prepaid payment card product tied to the Crypto.com app and rewards ecosystem. It is built for users who want to convert supported crypto to a fiat balance and spend at merchants using a familiar card network, with benefits and reward rates that vary by card tier and jurisdiction. The card is commonly associated with rewards paid in Cronos (CRO), Crypto.com’s ecosystem token.
Overview
Crypto.com positions the card as a bridge between a crypto wallet and everyday spending. The card is prepaid, meaning it is topped up and spent from an available balance rather than being linked directly to a bank account like a traditional debit card. Rewards and perks are structured around tiered cards, and the company has increasingly tied eligibility and benefits to its “Level Up” membership framework, which can involve a CRO lockup or a subscription, depending on the market and plan.
History and Background
Crypto.com has marketed card-linked rewards as a consumer on-ramp alongside its broader product suite, including trading, custody, and on-chain infrastructure. Over time, the card program has been updated to reflect changes in rewards sustainability, regional regulations, and issuer partnerships. Crypto.com has also revised certain premium perks for legacy cardholders, including discontinuing select rebates for some higher tiers beginning in late 2025.
For broader company context, see CryptoSlate’s profile on Crypto.com.
Card Tiers and Benefits
The Crypto.com Card lineup has historically included multiple tiers, often distinguished by card material (plastic versus metal) and higher reward ceilings at premium levels. Tier names commonly used across major markets include:
- Midnight Blue: Entry-level tier in many jurisdictions, typically with the fewest perks.
- Ruby Steel: A popular upgrade tier that has often been associated with higher rewards and select subscription reimbursements.
- Royal Indigo / Jade Green: Mid-tier options that have been linked to higher spending rewards and expanded travel-related benefits.
- Icy White / Rose Gold: Upper tiers that have historically included richer reward structures and premium service features.
- Obsidian and newer premium tiers: Top-tier options that may include the highest reward rates, the largest limits, and enhanced concierge or priority-style services, subject to jurisdiction.
Benefits can include CRO rewards on eligible purchases, rebates or reimbursements for select subscriptions, and airport lounge access through Priority Pass in certain markets. Crypto.com has also run time-limited promotions that temporarily increase rewards or add new rebates, and it has periodically removed or reshaped perks for some tiers as program terms evolve.
How the Card Works
Card management is handled inside the Crypto.com app. Users typically top up the card using supported methods that may include funds from an in-app cash account, bank transfers, or other cards, depending on local availability. When users fund spending with crypto held in the app, Crypto.com’s published disclosures generally describe a conversion step, where crypto is exchanged into the market’s card currency before being loaded for purchases and ATM withdrawals. As a result, users are generally spending a fiat balance at the point of sale, even if the balance originated from crypto.
Supported funding assets vary by jurisdiction and product configuration, and may include major cryptocurrencies such as Bitcoin (BTC) and Ethereum (ETH), as well as stablecoins like USDC.
Availability, Networks, and Issuance
The Crypto.com Card is offered in multiple regions, with jurisdiction-specific terms, fee schedules, and cardholder agreements. Depending on the market, the program may run on Visa or Mastercard rails, and the issuing and promoting entities can differ by country. Crypto.com also offers separate card products in certain regions, including a U.S. Visa Signature credit card that is distinct from the prepaid Crypto.com Card and has its own underwriting, disclosures, and rewards terms.
Fees and Limits
Fees and limits are tier-based and jurisdiction-specific. Common categories include ATM withdrawal fees after a free allowance, top-up fees for certain methods, foreign exchange or conversion-related charges, and card replacement costs. Limits can apply to ATM withdrawals, card purchases, and top-up activity. Because Crypto.com periodically updates reward caps and benefit structures, users typically review the current cardholder agreement and the in-app tier summary before selecting a card.
Risks and Considerations
- Rewards variability: CRO reward rates, caps, and eligibility rules can change, and promotional boosts may be time-limited.
- Market risk: Rewards paid in CRO expose users to token price volatility, and CRO’s supply and ecosystem governance have been the subject of community debate, including tokenomics-related controversy covered by CryptoSlate.
- Conversion and tax implications: Converting crypto to fiat to fund spending can trigger taxable events in some jurisdictions and may involve spreads or fees.
- Issuer and regulatory differences: Consumer protections, dispute processes, and treatment of stored value depend on the issuing entity and local rules, not a single global standard.
