Company profile
Crypto Cards
Crypto.com Visa Card: tiers, CRO staking, fees and who issues it
The Crypto.com Visa Card is a prepaid card that you top up from the Crypto.com app, with five tiers whose rewards depend on a Level Up subscription or a 12-month lockup of the CRO token. It is issued by a different licensed company in each region, such as Community Federal Savings Bank in the US and Foris MT Limited in the EEA, and it is separate from the newer US-only Crypto.com credit card.
By Mara Okonkwo · Facts checked Nov 1, 2026
Which Crypto.com card this page covers
Crypto.com now sells two different Visa cards in the United States, and searches for "Crypto.com credit card" often mix them up:
- Crypto.com Prepaid Visa Card: the long-running card with metal tiers (Midnight Blue, Ruby Steel, Jade Green or Royal Indigo, Icy White or Rose Gold, Obsidian). You load it with money first and spend that balance. This profile covers this card.
- Crypto.com Visa Signature Credit Card: a US-only credit card issued by Comenity Capital Bank, subject to credit approval, with no annual fee and rewards in BTC or CRO. It is a separate credit product with its own terms.
Crypto.com is the brand of a group whose about page names Kris Marszalek as co-founder and CEO and claims 150 million users in 90 countries (company figures). The card itself is issued by a different licensed entity in each region.
| Region | Issuer or provider named by Crypto.com |
|---|---|
| United States | Community Federal Savings Bank (Member FDIC) |
| European Economic Area | Foris MT Limited, a Malta e-money institution authorised by the MFSA |
| United Kingdom | ForisGFS UK Limited |
| Australia | Foris GFS Australia Pty Ltd |
| Singapore | Foris Asia Pte. Ltd. |
| Canada | Digital Commerce Bank, offered by Foris, Inc. |
In the EEA, the crypto side of the app is run by a separate company, Foris DAX MT Limited, which Crypto.com names as its crypto-asset service provider.
How the prepaid card works
- Join Level Up. Crypto.com says you apply for the card after joining Level Up, its membership program, and that your Level Up plan decides which tier you can get.
- Top up. Load the card from your crypto wallet, your cash account or an external debit or credit card in the app's Card tab. Crypto is never spent directly: it is converted to the local currency when it is moved onto the card.
- Spend. Purchases and ATM withdrawals draw on the card balance. The card's maximum balance is $25,000 in the US and €25,000 in Europe.
- Collect rewards. Spending rewards are paid in CRO, Crypto.com's own token, into your crypto wallet.
Because crypto is sold when it is moved onto the card, the price you get for your crypto matters as much as the card fees; our explainer on where crypto fees hide covers spreads.
Card tiers, staking and rewards
Each tier above the free one can be reached either by a Level Up subscription or by locking CRO for 12 months. The card page lists these terms in US dollars:
| Tier | Subscription | Or 12-month CRO lockup | CRO rewards on everyday spending |
|---|---|---|---|
| Midnight Blue | Free | None | 0% |
| Ruby Steel | $4.99/month or $49.90/year | $500 | 1.5%, on up to $750 a month |
| Jade Green / Royal Indigo | $29.99/month or $299.90/year | $5,000 | 2.5%, on up to $1,500 a month |
| Icy White / Rose Gold | Not offered | $50,000 | 3.5% on up to $3,000 a month, then 0.5% |
| Obsidian | Not offered | $500,000 | 4.5% on up to $5,000 a month, then 1% |
The European page prices the same ladder in euros: €3.99 a month or €450 locked for Ruby Steel, €24.99 a month or €4,500 for Jade Green and Royal Indigo, €45,000 for Icy White and Rose Gold, and €450,000 for Obsidian. The EEA page also shows a second, conflicting tier table in a carousel, so confirm the tier in the app before committing money.
Two points follow from the structure. A lockup ties up CRO, a volatile token, for a year, so its value in dollars can fall while it is locked; the card page does not explain how and when locked CRO is released. And rewards paid in CRO share the same exposure. Higher tiers also bring subscription rebates (Spotify, Netflix, Truth+) and airport lounge access on some plans.
Fees and limits in the US and Europe
Crypto.com publishes separate fee pages by region. The main charges, from the US page (dated 1 September 2026) and the European page:
| Fee | United States | Europe |
|---|---|---|
| Physical card issuance (Midnight Blue) | $4.99 | €4.99 |
| ATM withdrawal above free allowance | 2% | 2% |
| Free ATM allowance per month | $200 (Midnight) to $1,000 (top tiers) | €200 (Midnight) to €1,000 (Obsidian) |
| Foreign transaction fee | 3% on Midnight, Ruby, Jade/Indigo; none on Icy/Rose and Obsidian | Midnight 0.2% in EU/UK, 2% outside; other tiers vary, none on top tiers |
| Debit card top-up | 1% | 1% (debit or credit card) |
| Credit card top-up | 2.99% | see above |
| Card replacement | $7 (Midnight), $50 (metal) | €45.01 (Midnight), €50 (others) |
| Inactivity after 12 months | $5.95 a month from 1 September 2026 | €6 a month from 1 October 2026 |
| Account closure | Not listed | €50 |
As a worked example on a US Midnight Blue card, a $500 purchase abroad costs a $15 foreign transaction fee at 3%. In the US, total POS spending is capped at $15,000 a month on Midnight Blue and $25,000 on metal cards; ATM withdrawals are capped at $5,000 a month on Midnight Blue and $10,000 on other tiers.
Eligibility and access
Crypto.com lists card programs for the United States, Europe, the United Kingdom, Singapore, Canada, Australia and Brazil, and says its offerings are subject to jurisdictional limits; the card page refers to a restricted-markets list without reproducing it. Canadian cards load only in CAD, and the Brazil-facing USD card can be funded only through a foreign exchange transaction or funds held abroad. The US credit card additionally requires credit approval.
Custody and what can go wrong
Everything in this product is custodial. Crypto.com holds the crypto in your app wallet, and the card balance is held by the regional issuer as a prepaid balance. In the US the issuer is an FDIC member bank, but the card page does not state that the prepaid balance is FDIC insured, and crypto held in the app is not a bank deposit.
Practical risks are mostly operational: inactivity fees on an unused card, recurring Level Up subscriptions that auto-renew until cancelled, and fee schedules that change by tier and date, as several did in September and October 2026. Impersonation is the other one; contact support only through the official app or help.crypto.com, and see our guide to avoiding common crypto scams.
Alternatives by function
- A card without a token lockup: the Bitpanda Card spends assets from a Bitpanda account directly at checkout, with no tier ladder, but only for euro area residents.
- Another card that rewards in its own token: Plutus pays rewards in its PLUS token through a subscription and loyalty structure.
The site also rates this card separately against published criteria; this profile describes the product and does not grade it.
Sources
Every fact on this page comes from one of the pages below, read on the date shown. Where the company is the only source for a claim, the text says so. Manufacturers change prices and specifications without notice — if something here no longer matches the source, tell us and we will correct it.
- 1.Crypto.com — Visa Card page (tiers, rewards, issuers, funding) — checked
- 2.Crypto.com — EEA card page (EUR tiers, Foris MT Limited) — checked
- 3.Crypto.com — US cards page (Visa Signature Credit Card, Comenity Capital Bank) — checked
- 4.Crypto.com Help — Prepaid Visa Card fees and limits, US (1 Sep 2026) — checked
- 5.Crypto.com Help — Visa Card fees and limits, Europe — checked
- 6.Crypto.com — about us (leadership, user figures) — checked
Frequently asked questions
Is the Crypto.com Visa Card a credit card or a debit card?
Neither. Crypto.com describes the Visa Card as prepaid: you top it up first and spend that balance, and it is not linked directly to a bank account. The Crypto.com Visa Signature Credit Card is a separate US product issued by Comenity Capital Bank.
Can I spend crypto directly with the card?
No. Crypto.com says cryptocurrency cannot be loaded directly; it is converted to the local currency when you move it onto the card. Purchases then draw on that fiat balance, so the price of the conversion is set at top-up time, not at the checkout.
Does the free Midnight Blue card earn rewards?
Not on the card page's current table, which lists 0% CRO rewards on everyday spending for the free tier. The US fee page also lists a $4.99 fee for the physical Midnight card. Rewards start at Ruby Steel, which needs a subscription or a CRO lockup.
Is there a fee if I stop using the card?
Yes. After 12 months without cardholder-initiated financial activity, Crypto.com charges an inactivity fee, $5.95 a month in the US from 1 September 2026 and €6 a month in Europe from 1 October 2026. Declined and refunded transactions do not count as activity.
Can I cancel a Level Up subscription?
Yes, in the Crypto.com app. Crypto.com says Level Up subscriptions renew automatically until cancelled there. Cancelling may change which card tier and reward rate you qualify for, so check the tier rules in the app first.
A reference profile, not a recommendation. Nothing here is financial advice. Editorial policy · How we're funded.