A prepaid Visa on tiered terms, with rewards that reward locking crypto up

Updated October 2026

Licensed

Available in US

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18+ Only

The Crypto.com card is a prepaid Visa that spends a balance you load yourself rather than a card tied to a bank account. It is issued by a different bank or e-money company depending on where you live, it costs nothing to hold at the entry tier, and it pays part of what you spend back in the CRO token — but only if you are prepared to lock that token up to reach the better tiers. I scored it 7.0 out of 10. Read that as a genuinely usable everyday card with sharp edges, not a problem waiting to happen and not a bargain either.

Who it suits is fairly specific: residents of Europe and Singapore who want tiered crypto rewards and who are comfortable choosing which region they apply through. Who it does not suit is equally specific: anyone who needs a normal bank card with a normal bank’s dispute process, anyone who wants to spend crypto directly without converting it first, and anyone in a country the card simply is not issued in.

The conditions described below are current as of October 28, 2026.

Verdict: 7.0 out of 10

That table is the whole review in miniature. The everyday-use mark is the high one because paying with the card, once loaded, behaves like an ordinary Visa. The cost mark is middling because the entry tier is free but the better tiers cost real money and the fee schedule is genuinely complicated. Reliability sits at 6 not because anything went wrong that I could find on the official pages — I found no official incident — but because the issuer is a different legal entity in every region, which means your remedy depends on where you signed up, and because the public complaint record is poor even though most of it is about the exchange rather than the card.

If you are in a supported European country or Singapore and already hold crypto you do not mind locking for a year, the tier system makes more sense here than anywhere else. If you are not in a supported region, everything below is academic.

Who they will give the card to

Eligibility is by residential address, and the list is long but not universal. The European help article, as of 20 July 2026, lists: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland and the UK. That is 31 countries. Outside Europe, the card is issued in the US, Singapore, Canada, Australia and Brazil.

• United States — Community Federal Savings Bank
• Europe, and the Brazil USD card for use outside Brazil — Foris MT Limited
• Singapore — Foris Asia
• Canada — Digital Commerce Bank
• Australia — Foris GFS Australia
• United Kingdom — ForisGFS UK

Two things worth being clear about, because they are where people get caught. First, the rule is your residential address, not your citizenship — the fee articles are split by “residential address in Europe / Singapore / non-Europe Brazil and LATAM”. What the public pages do not state is any citizenship rule, so if your citizenship differs from where you live, you are in territory the card does not describe. Second, one third-party site lists Russia among ten restricted countries (Afghanistan, China, Cuba, Iran, North Korea, Russia, Somalia, Sudan, Syria, Yemen), while also listing Sudan as available — that page contradicts itself, so treat the whole list as unofficial and unconfirmed by the card. The same source, dated August 2026, and older 2020 CoinDesk and CoinCodex coverage, noted Russia, Turkey and Ukraine were unsupported.

What this means for you in practice: the country you live in decides everything downstream, because the issuer, the currency, the fee schedule and the maximum balance are all set regionally. A reader in a European country should read the European numbers; a reader in Canada should assume CAD and nothing else.

How to get it

Applying runs through the Crypto.com App, and the pages I could read show only the USA PATRIOT Act notice for identity: name, address, date of birth and a national ID number (an SSN or a country ID). They may also ask for a driver’s licence or another photo ID. Whether proof of address or proof of age is required is not stated on the card pages — treat that as unknown rather than as “not needed”.

The card itself is prepaid Visa, not linked to a bank account, and it must be topped up before you can spend. The currency is local to the issuer: a Canadian card is CAD only, and the Brazilian card is USD. Whether you get a virtual, physical or metal card is not stated on the pages; unofficial sources say a virtual card is available immediately on approval and the physical card ships later.

Physical card issuance in Europe costs 4.99 EUR at Midnight and 24.99 EUR at Ruby, waived for some Level Up Plus subscribers and stakers, and card upgrades are waived. A replacement is 45.01 EUR at Midnight and EUR 50 at other tiers. Delivery time is not stated anywhere I could find — that is worth asking support before you pay for anything, because you are buying an object and nobody publishes how long it takes to arrive.

The cards page tells you nothing about levels, processing time or rejection reasons. That is a real gap: if you are refused, you will not find the reason written down anywhere public. Rejection reasons are not stated.

Fees: what it really costs

The subscription tier is what actually shapes the bill, and it is bought with locked CRO rather than with cash alone. The tiers are Free; 4.99 USD a month, 49.90 USD a year or a 500 USD lockup; 29.99 USD a month, 299.90 USD a year or a 5,000 USD lockup; and there are also 50,000 USD and 500,000 USD lockup tiers. The page’s own tier labels are jumbled, which tells you something about how carefully that page was written. The issuance fee is not stated in that summary — the European figures above come from a separate article.

Everything else depends on where you are and which tier you hold. The page’s own wording is that top-up fees, the interbank exchange rate and ATM fees “may apply” depending on jurisdiction and tier, with no amounts — the amounts live in per-region help articles. Crypto is always converted to local currency before loading, so you are never spending a token directly.

Now three ordinary payments, so the table stops being abstract. You will have to do the arithmetic yourself — I am not going to invent a total for you.

Buying coffee in your own country. You spend 4 EUR from a loaded balance. There is no fee in the list for a domestic purchase, and Midnight pays 0% back on everyday spend. The relevant fact is not a fee but the reward: at Midnight you get nothing.

Buying something abroad in euros from outside the euro area. At Midnight this costs 0.2% in the EU and UK, and 2.0% anywhere else. Ruby is free up to 400 EUR a month outside, then 2.0%. This is the single most useful thing to understand about the card: the free tier is cheap to hold and expensive to travel with.

Withdrawing cash. Europe charges 2% above the monthly free amount, and provider surcharges count toward that allowance — a bank charging you 3 EUR for a withdrawal eats into your free amount before the Crypto.com fee applies. Midnight gives you 200 EUR free per month; the 29.99 USD tier gives 800 EUR.

Two limits catch people out because they are structural rather than fee-shaped. The maximum card balance in Europe is 25,000 EUR, and the aggregated top-up limit is 25,000 USD a month across all tiers — so this is not a card for holding a large balance. And the inactivity fee starts after 12 months without cardholder-initiated activity, which is a plausible thing to let happen if you use it as a second or occasional card. It goes from 5 EUR to 6 EUR from 1 October 2026.

How to Top up the card

Top-ups come from the Crypto Wallet, the Cash Account, or another credit or debit card. Crypto cannot be loaded onto the card directly: it is converted to local currency first, and only then does it become spendable balance. That is the single structural fact that decides whether this card fits you. If your reason for wanting a crypto card is to spend crypto without converting, this card does not do that, and no tier changes it.

In Europe, a card top-up costs 1% with a minimum of 20 EUR. The aggregated top-up ceiling is 25,000 EUR daily and monthly and 250,000 EUR yearly, and crypto-to-card and cash-account-to-card flows carry the same caps. The maximum card balance is 25,000 EUR. Loading frequency is 12 times a day, 140 times a month.

Withdrawing money out is where the public information thins out badly. The European article states a 50 EUR account closure fee and the inactivity fee, but it does not state the fee or the procedure for moving your card balance back to a wallet or a bank account. Not stated. If you are planning to treat this as a parking place for money rather than a spending card, that missing line is the one to ask about before you commit anything.

Paying with it every day

Day to day it behaves like a prepaid Visa, which is the reason the everyday-use score is high. Rewards arrive as CRO tokens in your Crypto Wallet after each eligible transaction, and the rates depend on your tier:

Travel bookings earn more — up to 5%, 20%, 25%, 30% and 40% respectively by tier. Certain merchant categories and channels are excluded from CRO rewards; the full list is in a help article I did not read, and whether gambling is blocked is not stated. Be aware that smaller tables on the same page show different values from the main table, and I have used the main one.

Higher tiers add priority support, subscription rebates, airport lounge access, more CRO rewards and a better FX position — Icy, Rose and Obsidian pay no FX fee at all. Whether a metal card exists is not stated.

The app that runs it is well rated on the Apple store: “Crypto.com: Trade Every Market” at 4.7/5 from 336K ratings when I looked, with Russian among the supported languages. Google Play was not read. Unofficial figures from a third-party site put Apple at 4.7/5 across 321,114 ratings and Google Play at 4.5/5 across 661,155 ratings.

What I could not establish: whether Apple Pay or Google Pay are supported (unofficial sources say Apple Pay, Google Pay and Samsung Pay work, varying by region); and how disputes work — the chargeback procedure is not stated. That second gap matters more than the first. A card without a stated dispute route is a card you hold more carefully.

One category-wide point worth knowing, since it explains a lot of declined payments: some shops refuse prepaid or foreign-issued card numbers, because a merchant lookup reveals the card type and issuer country. That is a policy decision by the shop, not a fault in your card, and it happens more with a prepaid Visa than with a debit card from a local bank.

What can go wrong

The main risks are not exotic. They are the ordinary failure modes of a custodial setup in a multi-region structure.

Your money is held by someone else. The setup is custodial: funds sit with Crypto.com or the issuer, so you trust them completely, and the risk is counterparty and hack risk rather than key-management risk. The pages cite AICPA SOC, ISO 27701, ISO 22301 and PCI DSS. Card-level features such as two-factor authentication, freeze and spending controls are not described on the cards page. Whether customer funds are safeguarded or insured is not stated.

Your remedy depends on your region. Each market has a different issuer, and the legal protection differs with it. The US card is issued by a Member FDIC bank under a Visa U.S.A. licence. Malta and the EU, plus the Brazil USD card, are Foris MT Limited. Singapore is Foris Asia Pte. Ltd., an MAS Major Payment Institution. Canada is Digital Commerce Bank, offered by Foris, Inc. Australia is Foris GFS Australia Pty Ltd, an AFSL holder. The UK entity, ForisGFS UK Limited, is an FCA-authorised e-money institution — and an e-money institution is not FSCS-covered. So “is my money protected” has different answers depending on where you live, and the weakest of those answers is the UK one.

The public complaint record is bad. Trustpilot shows 2.0/5 from 9,493 reviews, with 72% at one star; the company replies to 31% of negative reviews. The October 2026 themes are: inability to fund the card, payment failures, a cancelled subscription still being charged, cashback terms changing after sign-up, withdrawals failing, chatbot-style support with long waits, and a token delisted without conversion. Most of that is about the app and the exchange, and only a few reports are card-specific — but “cannot fund the card” and “payment failures” are exactly the two things you would need on the day something goes wrong. One review theme deserves your own attention: cashback terms changed after sign-up. That is the reward promise being revised, which is precisely the assumption you would be locking CRO up for.

Fees move. The European fee article already dates an FX schedule “before and from 1 October 2026”, and the inactivity fee rises from 5 EUR to 6 EUR on that date. I found no 2026 licence or issuer news in search, and no official incident on the pages I read — the budget went on official sources rather than user reports.

Programme shutdown is a real category risk. Issuers and networks can end a card programme. Visa terminated its global agreements with FTX on 13 November 2022, and the FTX US debit card was wound down by its issuer. WaveCrest, a Visa issuer that supplied crypto card brands, was suspended by Visa in Europe in 2018, closing all its Visa programmes. Typically you get notice, then loading and spending stop, then you are asked to withdraw. That is not a prediction about Crypto.com; it is what the category looks like when the arrangement changes.

Support is live chat in the app or at chat.crypto.com, plus phone and email by region (US 888-824-8817, Singapore 65-6264-0211), with priority support at higher tiers.

What to take instead

The alternatives below score lower on my scale, and I want to be honest about why rather than present them as equals. The difficulty with all of them is the same: their public pages state far less about card eligibility, pricing and funding than Crypto.com’s do.

Bybit Card is the one worth a paragraph, because it publishes real numbers and because of one hard limit. Its cards page says the product “is not meant for European Economic Area customers” and that all European Economic Area customer participation is strictly prohibited. So for a European reader it is not an option at all, however good the fee schedule looks. Elsewhere: card regions are Argentina, AIFC (Kazakhstan), Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru and Asia Pacific; if your country of residence is unsupported, Bybit will register your interest. Virtual card issuance is free in all regions until further notice, and physical issuance is 29.99 USD in Australia, 5 USD or USDT in Argentina, 29.99 USDT in Georgia and AIFC, 5 USDT in Asia Pacific, and free in Brazil and Mexico; VIPs holding a physical card in Australia, Kazakhstan, Georgia or Asia Pacific pay no issuance or replacement fee. The cards page says “Auto interest, no annual fees”.

Its costs are steeper in two ways. A crypto conversion fee of 0.9% applies over the One-Click Sell rate in Australia, Asia Pacific, Georgia, Kazakhstan, Brazil and Mexico; 0.5% in Argentina; Peru is not supported. The FX fee is 2% on top of the network rate in Australia, Asia Pacific, Georgia and Mexico; Kazakhstan 2% even in USD; Argentina 7%; Brazil 1.5%; Peru 1%. And from 5 October 2026 at 10:00 UTC, only crypto-funded transactions earn points or cashback — fiat-funded spending does not, which is a structural change in how you must use the card.

Its rewards go further than Crypto.com’s if you can climb: Base 2.00% with a 5 USD monthly cap, Beta 2% (50 USD, 500 USD spend to unlock), Alpha 4% (150 USD), Apex 6% (250 USD), Omega 8% (400 USD), Infinite 10% (600 USD). Points settle after four calendar days and cashback arrives in USDT.

MSX and the Young Card I cannot recommend with much confidence at all, and I would rather say that plainly than pad the section. Their public pages leave card eligibility, card type, cost, fees and funding unstated; the one concrete thing the Young Card publishes is its cashback, paid in YNG tokens at 0.1%, 1.8% or 3.6% depending on Club tier.

Who I would recommend it to

I would recommend the Crypto.com card to a resident of a supported European country or of Singapore who already holds CRO and is willing to lock it, who wants a Visa that works in shops and at terminals worldwide, and who treats it as one card among several rather than their only one. The tier ladder is real and it does pay: 1.5% to 4.5% back in CRO on everyday spend, 0% FX on Icy, Rose and Obsidian, better free ATM allowances. If you travel and spend, the higher tiers stop being a luxury.

I would not recommend it as your primary card, for four reasons I keep coming back to. It is prepaid, so it holds only what you put in and refuses to overdraw — convenient, but it means an empty card at the wrong moment. It converts crypto before you spend, so it is a rewards card wearing a crypto company’s name, not a way to spend tokens directly. Its issuer and its legal protection change with your region, and in the UK that protection is e-money, not deposit guarantee. And the reward terms have already been changed after people signed up, which is the thing to weigh before you lock 5,000 USD of a token for a year.

The reader I would send to a bank instead is anyone who needs a chargeback process they can name, who lives outside the 31 European countries or the other five issuing regions, or whose citizenship differs from their residence and who needs clarity the public pages do not provide.

The check I would make first, whatever your country: ask support directly what happens to your balance if you want to withdraw it to a wallet or a bank. That procedure is not stated in the public article, and it is the question whose answer matters most if the arrangement changes.

Frequently asked questions

What is the Crypto.com card?

It is a prepaid Visa card that spends a balance you load yourself, rather than one tied to a bank account. Issued through different banks or e-money companies depending on your region — Community Federal Savings Bank in the US, Foris MT Limited in Europe, Foris Asia in Singapore, Digital Commerce Bank in Canada, Foris GFS Australia and ForisGFS UK. You cannot load crypto onto it directly; it is converted to local currency first.

Is Crypto.com a bank?

No. Crypto.com is a card programme manager and brand; the actual issuer is a licensed bank or e-money institution chosen by your region. That matters for your protection: the UK issuer, ForisGFS UK Limited, is an FCA-authorised e-money institution and is not FSCS-covered, while the US issuer is an FDIC member bank. Ask which entity holds your money before you load it.

Is the Crypto.com card free?

Yes at the entry tier. The Midnight tier is free, and the 4.99 USD monthly or 49.90 USD yearly tier buys a 500 USD CRO lockup, with 29.99 USD monthly or 299.90 USD yearly at 5,000 USD. In Europe a physical Midnight card costs 4.99 EUR, card top-up costs 1%, and ATM withdrawals cost 2% above the 200 EUR free allowance.

Do I need to do KYC to get the card?

Identity checks are required by law for regulated businesses. The card pages show only the USA PATRIOT Act notice: name, address, date of birth and a national ID number, with the possibility of being asked for a driver’s licence or another photo ID. Unofficial sources say a government ID, a selfie and proof of address may be required. Whether proof of address is needed is not stated officially.

Which countries can get the card?

Eligibility follows your residential address, not your citizenship. The European help article of 20 July 2026 lists 31 countries including the UK, and the card is also issued in the US, Singapore, Canada, Australia and Brazil (a USD card for use outside Brazil). A citizenship rule is not stated. One unofficial site lists Russia among ten restricted countries, though it contradicts itself on Sudan.

Can I load crypto straight onto the card?

No. Crypto must be converted to local currency first, then loaded from the Crypto Wallet, the Cash Account or another debit or credit card. In Europe a card top-up costs 1% with a 20 EUR minimum, the balance cap is 25,000 EUR, and you can load 12 times a day or 140 times a month. This is a conversion card, not a direct crypto-spending card.

What are the fees for FX and ATM withdrawals?

In Europe, FX costs 0.2% at Midnight inside the EU and UK and 2.0% outside it; Ruby is free up to 400 EUR a month outside then 2.0%, Jade and Indigo up to 800 EUR, and Icy, Rose and Obsidian pay no FX fee at all. ATM withdrawals cost 2% above the monthly free amount, and provider surcharges count toward that allowance. Limits are 2,000 EUR daily and 10,000 EUR monthly.

Is the Crypto.com card safe?

It is custodial: the funds are held by Crypto.com or the issuer, not by you, so you carry counterparty and hack risk. The pages cite AICIA SOC, ISO 27701, ISO 22301 and PCI DSS, but card-level controls are not described, and whether funds are safeguarded or insured is not stated. Trustpilot shows 2.0/5 from 9,493 reviews, 72% one-star, mostly about the app and exchange rather than the card.

Can I use it in Apple Pay or Google Pay?

The official card pages do not say, and one third-party site reports that Apple Pay, Google Pay and Samsung Pay work with availability varying by region. Treat it as unofficial until the card confirms it for your country. The app itself is well rated — 4.7/5 in the Apple store — and manages the cards from there.

What happens if the card is inactive?

In Europe, an inactivity fee of 5 EUR a month applies after 12 months without cardholder-initiated activity, rising to 6 EUR from 1 October 2026. Closing the account costs 50 EUR. The fee and procedure for withdrawing a card balance back to a wallet or a bank account are not stated in the public article, so ask support before you treat the card as a place to keep money.

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