Crypto.com Visa
by Crypto.com · Visa · Prepaid card · Issuer terms last read Sep 28, 2026
The card most people picture when they hear crypto card, and the one whose economics have moved the most. The free tier now pays nothing, so the rate only starts at 1.5% once you either pay $4.99 a month or lock $500 of CRO for a year, and 2.5% needs $5,000 locked or $29.99 a month. Both the reward and the stake are denominated in CRO, so the whole proposition rides on one token — which is why we print what CRO has done over the last 30 days next to the rate.
What works
- Widely available compared with the rest of this list
- Higher tiers add spending rebates and travel perks
- You can pay monthly instead of locking CRO
What does not
- The free Midnight Blue tier pays 0%
- Both the reward and the stake are in CRO, so the value moves with one token
- Monthly reward caps apply ($750 at 1.5%, $1,500 at 2.5%)
- Locking CRO for 12 months is a real cost if the token falls
Who it suits
Heavy spenders who already hold CRO and will use the tier's subscriptions and rebates, not people looking for a simple free card.
Terms in full
Quoted from the issuer's own pages. Rows the issuer does not publish are marked as such rather than guessed.
- Network
- Visa
- Card type
- Prepaid card funded from your Crypto.com balance
- Reward
- Midnight Blue 0%; Ruby Steel 1.5% (reward limit up to $750/month); Jade Green and Royal Indigo 2.5% (up to $1,500/month); higher tiers pay more against larger CRO commitments
- Reward asset
- CRO
- Requirement
- Ruby Steel: $4.99/month, $49.90/year, or $500 of CRO staked for 12 months. Jade Green / Royal Indigo: $29.99/month, $299.90/year, or $5,000 of CRO staked for 12 months.
- Annual fee
- None on Midnight Blue; $49.90 to $299.90 a year on paid tiers
- Foreign exchange
- Not published on the product page
- ATM
- Free ATM withdrawal limits are set per tier
- Availability
- Varies by market; check the issuer for your country
- Custody
- Custodial
- Tax treatment
- Spending converts crypto, which may be a taxable disposal where you live
If this one does not fit
Questions about this card
The Midnight Blue tier is free but currently pays 0% in everyday CRO rewards. Earning rewards means either a subscription from $4.99 a month or staking CRO for 12 months.
$500 of CRO staked for 12 months unlocks the 1.5% tier and $5,000 unlocks 2.5%. Both can be replaced by a monthly or yearly subscription instead.
Yes. Crypto.com publishes a reward limit of up to $750 a month on the 1.5% tier and up to $1,500 a month on the 2.5% tiers.