Crypto.com Visa Card in one line: users already inside the crypto.com app. Below is the full fee sheet, our verdict, pros and cons, and the sources we checked on 2026-09-03. Fees change without notice — treat this page as a verified snapshot, not a promise.
Verdict
The most feature-complete crypto card program, with 0% FX and real cashback - but the best rewards are gated behind CRO staking tiers, and the 2025 revisions cut lower-tier cashback to zero. Best if you already hold CRO and keep funds on Crypto.com.
Fee sheet
- Network
- Visa
- Card type
- Prepaid debit
- Custody model
- Custodial (exchange balance)
- Supported coins
- BTC, ETH, CRO, USDT, USDC, 20+ more
- Monthly fee
- $0
- Issuance
- $0 (shipping can vary by region)
- FX fee
- 0% within tier caps
- ATM fee
- Free up to monthly tier cap, then 2%
- ATM limit
- $500-$1,000/day, tier-dependent
- Rewards
- Up to 5% CRO cashback on high tiers; 0% on lower tiers since the 2025 revision
- Mobile wallets
- Apple Pay and Google Pay
- Availability
- CA, UK, EU, SG, AU, BR, IL, AE and others; US users get a credit-card variant (prepaid not open to new US users)
What the data actually says
Crypto.com's card is the most feature-complete program in this comparison, and also the most conditional. Headline cashback rates are gated behind CRO staking tiers, and the 2025 rewards revision cut lower tiers to zero - so real value depends on how much CRO you are willing to hold and lock.
For spending mechanics it is strong: 0% FX within tier caps, a mature app with instant freeze and per-transaction receipts, and availability across eight-plus countries including a locally licensed UAE program. The custody trade-off is real: the card spends your exchange balance, so funds sit on the platform, not in your own wallet.
Against the Bybit Card, Crypto.com wins on rewards depth and country coverage. Against Wirex, it wins on FX but loses on simple instant top-ups from external wallets.
Pros
- No monthly or issuance fee on any tier
- 0% FX surcharge within tier caps
- CRO cashback on higher tiers
- Mature app: instant freeze, limits, itemized receipts
Cons
- Cashback tied to CRO staking tiers; lower tiers earn 0% since 2025
- Free ATM allowance is monthly-capped by tier
- Card spends your exchange balance - funds are custodial, not self-custody
Frequently asked questions
Is the Crypto.com Visa Card free to use?
The Crypto.com Visa Card charges $0 per month and $0 (shipping can vary by region) to issue. Card spending carries 0% within tier caps in FX fees, and ATM withdrawals cost: Free up to monthly tier cap, then 2%. Conversion spreads can still apply, so compare the rate you receive against the live market price.
Where is the Crypto.com Visa Card available?
The Crypto.com Visa Card is available in: CA, UK, EU, SG, AU, BR, IL, AE and others; US users get a credit-card variant (prepaid not open to new US users). Full KYC is required to open an account, and availability can change as programs expand or pause markets.
Who is the Crypto.com Visa Card best for?
Users already inside the Crypto.com app. The most feature-complete crypto card program, with 0% FX and real cashback - but the best rewards are gated behind CRO staking tiers, and the 2025 revisions cut lower-tier cashback to zero. Best if you already hold CRO and keep funds on Crypto.com.
Sources checked 2026-09-03
- Crypto.com Card tiers and fees
- Crypto.com Help Center (ATM, FX, limits)
- Crypto.com UAE stored-value license announcement