Why it stands out
- Spend from a loaded Crypto.com prepaid balance, not a credit line.
- Level Up tiers can add CRO rewards and selected card perks.
- Card, cash, PayPal and crypto top-up paths are listed by region.
Basic / Midnight BlueStandard card design
Stablecoin account + Visa/Mastercard card
Crypto.com Prepaid Card
A Crypto.com prepaid card for spending a loaded app/card balance, with Level Up subscriptions or CRO lockups, tiered CRO rewards and regional top-up methods. Strongest for existing Crypto.com users; weaker for self-custody, simple fees or cash-heavy use.
Visa / MCBTC depositsCrypto-nativeFree base planPhysical cardToken rewards
available information says availability is region-dependent.
Main trade-offs
- Fees vary by region, tier and the way you fund the card.
- Requires Crypto.com App access and provider-controlled balances.
- Credit-card features sit outside this prepaid card profile.
01 · Core economics
Costs that matter
Crypto.com is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0Competitive entry price
Top-up3.0%Funding fees can change the real card economics.
Foreign exchange0-3%Tier-dependent range; check the selected plan before spending abroad.
ATM withdrawalFree $200-$1,000/mo; then 2%Monthly free allowance depends on tier; ATM operators and FX can still add costs.
Physical cardUS first card $0-$29.99First-card cost depends on tier; replacement and reissue fees are separate.
Daily card spend$10,000-$25,000/dayTier-dependent spend limit range.
Monthly card spend$15,000-$25,000/monthTier-dependent spend limit range.
Limits and secondary feesLimits and other fees
Account depositCard load limits are region and method dependentListed
02 · Plans & rewards
Choose the plan and the rewards together
Crypto.com Prepaid Card keeps the reward range visible above while the membership cards below preserve each tier's fee, card design, rewards, limits and other tier-specific differences.
Qualification is required before cashback starts
Conditional — not the automatic rate
CRO rewards
Highest approved tier cap
Memberships
Upgrade
FreeBasic
Midnight Blue
- Cashback
- 0% in CRO
- ATM free allowance
- Free up to $200/mo; then 2%
- Daily card spend
- $10,000/day
- Monthly card spend
- $15,000/month
- Physical card
- US first physical card: $4.99
- FX
- 3%
- Best fit
- Simplest prepaid tier: no plan fee, no CRO rewards and the lowest listed ATM allowance.
Upgrade
$4.99/monthor $49.9/year or $500 CRO stakePlus
Ruby Steel
- Cashback
- 2% in CRO on first $25/mo
- ATM free allowance
- Free up to $400/mo; then 2%
- Daily card spend
- $25,000/day
- Monthly card spend
- $25,000/month
- Physical card
- US first physical card: $29.99
- FX
- 3%
- Best fit
- Lowest paid upgrade; compare the Ruby card cost with the 2% CRO rewards cap.
Upgrade
$29.99/monthor $299.9/year or $5,000 CRO stakePro
Jade Green / Royal Indigo
- Cashback
- 3% in CRO on first $75/mo
- ATM free allowance
- Free up to $800/mo; then 2%
- Daily card spend
- $25,000/day
- Monthly card spend
- $25,000/month
- Physical card
- US first physical card: $0
- FX
- 3%
- Best fit
- Middle tier with higher CRO rewards, a larger ATM allowance and the higher US card-spend limit.
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa/Mastercard networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appAvailable
- Android appAvailable
- Web appNot confirmed
Account rails
- Stablecoin depositsNot confirmed
- USD bank detailsAvailable
- EUR bank detailsAvailable
- Local payoutsNot confirmed
- Card-funded top-upsCountry-specific
04 · Money in and out
How money enters, settles and leaves Crypto.com
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive · 3 routesCrypto top-upBTCETHBank depositsSEPACard top-upEURGBPCard & app top-upsCard top-upUSD
Crypto top-up
1 route
Crypto top-up
Top up in the app with supported crypto; exact networks, fees, limits and balance-crediting behavior stay route-specific.
BTCETH
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Not confirmed
Route details
Fee components
- Fee not publicly confirmed
Access path
Direct card balance
Availability
Top-up assets are shown in app; networks and regional availability are not publicly confirmed
Fee scope
Shown in app before card top-up
Limit scope
Deposit limits not publicly confirmed
Restrictions
The available top-up asset source names BTC and ETH as examples only; it does not establish a full spendable asset list for the card.
Bank deposits
1 route
EU / UK prepaid card top-up
Available to eligible EU and UK cardholders.
EURGBP
- Fee
- 1%
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- EU, SEPA
Route details
Fee components
- 1% · transfer
Access path
Direct card balance
Availability
Available to eligible EU and UK cardholders.
Limit scope
Not publicly confirmed
Card & app top-ups
1 route
US prepaid card top-up
Available to eligible US cardholders.
USD
- Fee
- 1–2.99%
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- 1% · transfer
- 2.99% · transfer
- 2.1% · transfer
Access path
Direct card balance
Availability
Available to eligible US cardholders.
Limit scope
Not publicly confirmed
Balance & conversionAccount balance
Funds sit in a custodial account balance before card spend or payout.
What happens on receipt
How a received asset reaches the spendable balance depends on the supported asset and account setup.
Money outWays to send, withdraw or settle · 1 routeInternal transfersUS card-to-card sendNot confirmed
Internal transfers
1 route
US card-to-card send
Card-specific information confirms card-to-card send only.
USD
- Fee
- Not confirmed
- Speed
- Not confirmed
- Limits
- Shown in app
- Availability
- Region-dependent
Route details
Fee components
- Fee not publicly confirmed
Access path
Direct card balance
Availability
Other US Crypto.com Prepaid Visa card users where available
Fee scope
Not listed as a separate card-to-card fee
Restrictions
Card-specific information confirms card-to-card send only. General bank payout rails are not inferred for the prepaid card.
06 · Trust and eligibility
Where Crypto.com is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
Availability
Country-level card access is not disclosed.
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productCrypto.com
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlCrypto.com + programme partners
Controls settlement until payment.
Custodial accountProgramme operatorCrypto.com
Operates the applicable card programme.
Card issuerCommunity Federal Savings Bank
Issues the US Crypto.com Prepaid Visa Card and maintains the card-account records.
Jurisdiction: United States · Applies to: Crypto.com US prepaid Visa programme.Programme operatorForis, Inc.
Manages the card programme and provides customer service on behalf of the bank.
Jurisdiction: United States · Applies to: Crypto.com US prepaid Visa programme.07 · Methodology
Why the score is 55
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
55/100
WeakHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift93
Everyday usability
Visa/Mastercard spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Additional support89
Company & infrastructure
Named programme infrastructure includes Community Federal Savings Bank (issuer), Visa (network) and Mastercard (network).
Main constraint40
Cost efficiency
No monthly fee and 3% FX fee shape the day-to-day cost profile.
08 · Evidence
Sources
20 sources17 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Crypto.com Visa Card: Earn Up to 5% back on your daily spendingOfficial source ↗Crypto.com Prepaid Card - Rewards & BenefitsOfficial source ↗How to Apply for a Crypto.com Prepaid CardOfficial source ↗Crypto.com Prepaid Visa Card Fees and Limits - United StatesOfficial source ↗Crypto.com Prepaid Visa Card Fees and Limits - Europe residential usersOfficial source ↗How do I fund my Crypto.com Prepaid Visa Card (US)? | Crypto.com Help CenterOfficial source ↗
Help keep this page accurate
Found outdated or incorrect information?
Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.