Crypto.com Visa Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free (virtual card, the regional fee schedules price only the physical card)The fine print
|
|---|---|
| Annual fee | Free (Basic)The fine print
|
| FX fee | 2% on foreign-currency spending outside the EU and UK for Basic cardholders in the EEA and UK…The fine print
|
| ATM limit | €200-€1,000 a month free by tier in the EEA (£180-£900 UK, US$200-US$1,000 US), 2% afterThe fine print
|
| Spending limit | Available; varies by tier and region |
Fees change; the current ones are in Crypto.com’s terms.
Features
- Welcome bonus: Up to $300 bonus
- Cashback: up to 4.5%
The fine print
- Prepaid card in the EEA, UK and Canada: 0% Basic (Midnight Blue) / 1.5% Plus (Ruby Steel) / 2.5% Pro (Jade Green, Royal Indigo) / 3.5% Icy White and Rose Gold / 4.5% Obsidian in CRO, on the first US$750 (Plus), US$1,500 (Pro), US$3,000 (Icy-Rose, then 0.5%) and US$5,000 (Obsidian, then 1%) of monthly spend
- Crypto.com Travel bookings earn more, from up to 5% on Basic to up to 40% on Obsidian
- Plus and Pro can be bought by subscription instead of a 12-month CRO lockup (prices in Annual Fee)
- Icy-Rose and Obsidian are lockup only
- The US Visa Signature credit card pays 1.5% on Basic and 3.5% on Plus, and up to 6% at the top tier
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: 150+ cryptocurrencies including BTC, ETH, CRO, USDC, USDT
- Available countries: Australia, Austria, Belgium, Brazil, Bulgaria, Canada, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France…
Full list
… 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
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 in the source linked below. 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 crypto; the 4 assets we track for it are listed below.
Pros and cons
Pros
- Up to 4.5% CRO back on the prepaid card in the EEA, UK and Canada (up to 6% on the US credit card)
The fine print
- Plus and Pro can be bought by monthly or yearly subscription instead of a CRO lockup
- Spotify and Truth+ rebates for 3 months on Plus, Spotify, Netflix and Truth+ for 6 months on Pro, permanent on the Private tiers
- Airport lounge access for Pro annual subscribers and the Private tiers
- No FX fee on the Private tiers in Europe
- No card issuance fee
- Welcome bonus: Up to $300 bonus
- Banking rails: SEPA support
Cons
- Top rates need a CRO lockup of €45,000 or more
The fine print
- Rewards only on the first US$750 (Plus) and US$1,500 (Pro) of monthly spend
- FX fees below the Private tiers in Europe: 0.2% inside the EU and UK and 2% outside, with a €400 (Plus) or €800 (Pro) fee-free monthly allowance outside
- The physical Basic card costs €4.99
Regional availability
Available in 36 countries
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.
Banking and fiat rails
The fine print
- 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
Card overview
The top prepaid rate, 4.5%, requires the Obsidian tier, a US$500,000 CRO lockup, and applies only to the first US$5,000 of monthly spend, then 1%. Almost no retail user qualifies. The prepaid ladder in the EEA, UK and Canada is 0% Basic, 1.5% Plus (a €450 CRO lockup or a subscription from €3.99 a month, on the first US$750 of monthly spend), 2.5% Pro (€4,500 or €24.99 a month, on the first US$1,500), 3.5% Icy-Rose (€45,000, on the first US$3,000, then 0.5%) and 4.5% Obsidian; the US Visa Signature credit card pays 1.5% on Basic and 3.5% on Plus, and up to 6% at the top tier.
CRO price moves against you in down markets. The streaming rebates are shorter than the marketing suggests: Spotify and Truth+ for three months on Plus, Spotify, Netflix and Truth+ for six months on Pro, and permanent only on the Private tiers. 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.
The virtual card is free and the physical Basic card costs €4.99. FX is no longer free below the Private tiers: 3% on non-USD spending in the US, 2% outside the EU and UK for Basic in Europe, and from 1 October 2026 Plus and Pro in the EEA and UK pay 0.2% inside the EU and UK and 2% outside it past a monthly allowance of €400 or €800. Custodial. Best fit: users who pay for Plus or Pro yearly, or can lock CRO, and will use the rebates while they last.
Not worth it for the cashback alone.
Common questions about the Crypto.com Visa Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
What are the fees for the Crypto.com Visa Card?
Is the Crypto.com Visa Card legit, and who is behind it?
Is the Crypto.com Visa Card worth it?
How does the Crypto.com Visa Card cashback work?
Where is the Crypto.com Visa Card available?
What cryptocurrencies does the Crypto.com Visa Card support?
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