Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs Decaf
Decaf Card has the higher Overall Score by 7 points (64 vs 57). Crypto.com Prepaid Card looks stronger for Cashback, while Decaf Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Latest check Oct 19, 202635 official sources reviewed
Crypto.com Prepaid Card
Best fit
- Existing Crypto.com App users who want a separate prepaid spending balance.
- Buying Plus or Pro rewards by subscription instead of committing CRO.
- Occasional cash withdrawals within the plan's monthly ATM allowance.
Before you choose
- Basic earns no cashback; reward tiers need a subscription or CRO commitment.
- Rewards are paid in CRO, so their value can move after you earn them.
- Funding by another card can cost 2.99%; region and plan affect other fees.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsCrypto.com Prepaid CardOverall57Decaf CardOverall64
Crypto.com Prepaid CardOverall57Decaf CardOverall64Scores
- Overall Score
- Crypto.com Prepaid Card57Decaf Card64
- Cashback score
- Crypto.com Prepaid Card31Decaf Card29
- Travel score
- Crypto.com Prepaid Card57Decaf Card60
- Funds control score
- Crypto.com Prepaid Card40Decaf Card63
- Lowest fees score
- Crypto.com Prepaid Card48Decaf Card57
- Transfers score
- Crypto.com Prepaid Card47Decaf Card70
Costs
- Plan cost
- Crypto.com Prepaid Card$0Decaf Card$0
- FX fee
- Crypto.com Prepaid Card0–3%Decaf Card1–2%
- Top-up fee
- Crypto.com Prepaid Card2.99%Decaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Crypto.com Prepaid CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Crypto.com Prepaid Card0–2%Decaf Card0% Decaf markup
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedDecaf Card$5
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Decaf Card$90 international / $10 US
Plans
- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Decaf CardNot disclosed
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Decaf CardNot disclosed
Everyday use
- Network
- Crypto.com Prepaid CardVisa/MastercardDecaf CardVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Crypto.com Prepaid CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidDecaf CardiOS, Android, Web
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayDecaf CardNot disclosed
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearDecaf CardNot disclosed
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Decaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Crypto.com Prepaid CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHDecaf CardStablecoins: USDC
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Crypto.com Prepaid CardNot disclosedDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Crypto.com Prepaid Card0%Decaf CardNot disclosed
- Max cashback
- Crypto.com Prepaid Card5%Decaf CardNot disclosed
- Reward currency
- Crypto.com Prepaid CardCRO rewardsDecaf CardNot disclosed
Earn
- Advertised APY
- Crypto.com Prepaid CardNot offeredDecaf CardNot disclosed
- How it works
- Crypto.com Prepaid CardNot offeredDecaf CardOptional earn vault
- Separate deposit
- Crypto.com Prepaid CardNot offeredDecaf CardYes
- Use balance for spending
- Crypto.com Prepaid CardNot offeredDecaf CardNot disclosed
- Lock-up
- Crypto.com Prepaid CardNot offeredDecaf CardNot disclosed
Trust & availability
- Custody
- Crypto.com Prepaid CardCustodialDecaf CardNon-custodial
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Decaf CardThird National, Inc.
- Card processing
- Crypto.com Prepaid CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Crypto.com Prepaid CardNot disclosedDecaf CardMoneyGram
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Decaf CardNot disclosed
Sources
- Official sources
- Crypto.com Prepaid Card14Decaf Card21
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Crypto.com Prepaid or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Crypto.com Prepaid lists 0–3%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Using the crypto you already hold
Crypto.com Prepaid's reviewed deposit assets include BTC, ETH; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Crypto.com Prepaid vs Decaf FAQ
Is Crypto.com Prepaid or Decaf better overall?
Decaf Card has the higher Overall Score (64 vs 57). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Crypto.com Prepaid or Decaf?
Decaf Card has the lower published FX fee (1–2% vs 0–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and Decaf differ on custody?
Crypto.com Prepaid Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Crypto.com Prepaid vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.