Crypto.com Card
by Crypto.com
- Monthly fee
- Free
- Card fee
- $50.00
- Top-up fee
- Free
- ID check
- Full KYC
- Card
- Virtual + physical
- Phone pay
- Apple Pay, Google Pay
Our verdict
Crypto.com Card is still the market leader, with tiered rewards up to 8% and perks like Netflix and Spotify rebates and airport lounge access. It suits CRO supporters who will stake for higher tiers, though rewards arrive in a volatile token.
What we like
- +Up to 8% cashback at top tiers
- +Netflix, Spotify and Amazon Prime rebates on higher tiers
- +Airport lounge access through Priority Pass
- +No annual fee on any tier
- +Well-known brand and established platform
Watch out for
- −Cashback is paid in CRO, which is price-volatile
- −Best rewards need a large CRO stake with a 180-day lock
- −Lower tiers cap monthly cashback at $25-50
- −0.5-1.5% spread on crypto conversions
- −Tier benefits end immediately when you unstake
5.7/10
Editor score
Fair
6.2/10
User rating
Based on 34 sources
Lv 4
KYC Level
Full KYC
Global
Availability
2 countries excluded
Card Overview
Rewards
- Cashback
- 5%
- Cashback Crypto
- CRO
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- $50
- Referral Bonus
- $25
Fees
- Monthly Fee
- Free
- Card Issuance
- $50.00
- ATM Fee
- 2%
- FX Fee
- Free
- Top-up Fee
- Free
- Decline Fee
- —
Limits
- Daily Spend
- $25,000
- Monthly Spend
- $100,000
- ATM Withdrawal
- $2,000
Card Info
- Card Type
- Physical Card, Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: Full KYC
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✓Proof of addressRequired
- ✓Selfie verificationRequired
Community Sentiment
Community Score
6.2/10
Sourced from
Users value the metal card design, tiered CRO cashback of up to 5-8%, Priority Pass lounge access, smooth Apple Pay and Google Pay and an all-in-one dashboard for crypto, stocks and cards. Many on X are enthusiastic, citing support that beats Coinbase and instantly sellable CRO rewards. Against that, the main app applies a 1.5-2% spread on crypto-to-fiat conversion, which often wipes out much of the cashback. The 2026 Level Up program added monthly fees of $4.99-$29.99 for mid-tier plans, so break-even needs checking. Utilities, insurance, pet services and professional categories earn nothing, and the CRO needed for higher tiers carries a lockup and has trailed Bitcoin. The Google Play app has reports of triple billing, very slow page loads and chatbot support that fails on billing disputes. Past data breaches and extensive biometric KYC data sharing weigh on privacy, and Trustpilot sits at 2.0/5. It is best as a secondary card for lounge access and subscription rebates.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Polygon, BNB Chain, Solana
Frequently asked questions
Does the Crypto.com Card require KYC?
Yes. Crypto.com asks for full kyc before issuing the card. Full verification: ID document, proof of address and a selfie or liveness check.
What fees does the Crypto.com Card charge?
The card has a monthly fee of free, an issuance fee of $50.00, a top-up fee of free, an FX fee of free. See the fee table above for ATM and decline fees.
Does the Crypto.com Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Crypto.com Card?
It is available in most countries, except China, United States.
Which cryptocurrencies does the Crypto.com Card support?
BTC, ETH, USDT, USDC, XRP, SOL, DOGE, LTC.
Last updated August 19, 2026, verified August 6, 2026.