Crypto.com Visa Card Review 2026
Last reviewed · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
Independently reviewed by Mihail B. · how we verify
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Card Overview
The 6% headline requires Obsidian tier, which means $50,000 CRO locked. Almost no retail user qualifies. The ladder restructured in 2025-2026 under the Level Up program: BASIC pays 1.5%, Ruby Steel-equivalent around 3.5%, higher tiers up to 6% with bigger stakes. Even within the right tier, a conversion spread of about 0.5% is baked into every swipe, and CRO price moves against you in down markets. Where the card actually pays is the free Netflix, Spotify, and Amazon Prime rebates on the higher tiers; those matter more than the cashback math itself. The prepaid Visa is available across 36 countries including the US (excluding New York), UK, EU, Canada, Australia, Singapore, and Brazil. The newer Crypto.com Visa Signature Credit Card is US-only. Issuance is free, FX is 0% on international purchases. Custodial. Best fit: users who already pay for Spotify and Netflix and can stake CRO long enough to break even. Not worth it for the cashback alone.
Requires significant CRO staking for top tiers; custodial model; monthly caps on lower tiers
Read our latest guideCrypto.com Card Review 2026 — Is It Still Worth It?This is a Visa crypto card. It offers cashback rewards. Available to US residents. Available in Europe. Available in the UK.
Fees & Limits
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free to $50000 CRO stake for Obsidian |
| FX Fee | 0% FX markup on international purchases (most tiers); ~0.5% conversion spread on crypto-to-fiat |
| ATM Limit | $200-$1000/month free (by tier), 2% after; $500-$2000/day |
| Spending Limit | Available; varies by tier and region |
These figures can change. Confirm the current fees, FX and network in Crypto.com’s official terms before you apply.
Features
- Welcome Bonus: Up to $2,500 bonus
- Card Type: Virtual + Physical
- Top up with: No FX fees on international spending
- Available Countries: Australia, Austria, Belgium, Brazil, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, United States
Banking & Fiat Rails
SEPA yes (EEA + Switzerland only — UK is NOT eligible for the EUR Account); app gives 'personal bank transfer details' for EUR deposits, but Crypto.com never states this is a dedicated IBAN in the user's own name; EUR deposits are SEPA-only, no SWIFT
Who issues the Crypto.com Visa Card
The Crypto.com Visa Card is issued by Foris Group (Crypto.com), UK + Malta + Australia + Singapore — Self-issuance via 4 verified regional licences (FCA / MiCA CASP / AFSL / MAS MPI). The issuer is named verbatim in the card documentation. Five regional issuance structures (UK, EEA, AU, SG, + BR hedged)
Primary source · All cards issued by Foris Group (Crypto.com) · Why the issuer matters
Supported Cryptocurrencies
You can load the Crypto.com Visa Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: 100+ cryptos for top-up (BTC, ETH, XRP, USDT, USDC, ADA, DOGE, CRO, etc.) converted to fiat on load
Supported assets: No FX fees on international spending
Who Is the Crypto.com Visa Card Best For?
The Crypto.com Visa Card is a good fit for holders who want their balance to keep earning while it sits on the card.
The Crypto.com Visa Card pays 0% cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in 36 countries — USA excl. New York and the five US territories, UK, EU, Switzerland, Norway, Iceland, Canada, Australia, Singapore, Brazil. Crypto.com publishes no single global list; 36 is a floor, since its own fee schedules also cover select LATAM markets and a separate prepaid Mastercard in Bahrain and select GCC markets, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn 0% cashback
- People who want a straightforward, app-managed crypto card
- US residents who want a crypto spending card
Avoid if
- You need full non-custodial control of your funds
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Crypto.com Visa Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- Earn 0% cashback on eligible purchases
- No card issuance fee
- Works wherever Visa is accepted worldwide
- Available in most countries
- Virtual card ready right away, no shipping wait
- Welcome bonus: Up to $2,500 bonus
Cons
- Up to 5% cashback on the prepaid card (the 6% headline is the US credit card); Netflix/Spotify/Prime rebates 100%; airport lounge access; no FX fees
- Annual fee: Free to $50000 CRO stake for Obsidian
- Custodial: the issuer holds your funds
- Full KYC required, no anonymous tier
How to Get the Crypto.com Visa Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Crypto.com account
A few minutesGo to the Crypto.com website or download the app. Sign up with your email, pick a password, and accept the terms.
Complete identity verification
Varies by issuerCrypto.com runs standard KYC: a government-issued photo ID and usually a selfie. Processing time varies by issuer and load.
Fund your card
Usually instantLoad your card with No FX fees on international spending through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Crypto.com Visa Card shows up in the Crypto.com app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Worldwide
The Crypto.com Visa Card is available in most countries. Some places may be excluded because of local financial regulations, so check the Crypto.com website to confirm before you apply.
Available in these regions:
Common questions about the Crypto.com Visa Card
What are the fees for the Crypto.com Visa Card?
How does the Crypto.com Visa Card cashback work?
Where is the Crypto.com Visa Card available?
What are the Crypto.com Visa Card's ATM and spending limits?
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