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Bleap Card vs Crypto.com Visa Card: 2026 Comparison

Comparing Bleap Card and Crypto.com Visa Card on fees, cashback, custody, and where each card is available.

Some cards on this page link to affiliate partners, and we may earn a commission if you sign up. The comparison verdict comes from our public scoring formula either way. Read our editorial disclosure.

The short version:

Bleap scores 4.7/5 on the Sweepbase formula and Crypto.com scores 3.7/5, a gap of 1 points. The Strengths row in the table lists what each card is credited for. What moves the score for Bleap: self-custody, no issuance or annual fee, 1% cashback.

Bleap:
Crypto.com:

Side by side

Side-by-side comparison of Bleap Card, Crypto.com Visa Card. Scroll horizontally to see all columns.
Feature

Bleap Card 4.7 out of 5, Sweepbase rating

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Crypto.com Visa Card 3.7 out of 5, Sweepbase rating

Get card Crypto.com Visa Card
Overview
Card typeVirtual + PhysicalVirtual + Physical
NetworkMastercard Standard, issued by Unlimit EU Ltd, an electronic money institution licensed by the Central Bank of Cyprus
The fine print
  • Bleap is the programme provider, not the issuer, and says so: "Bleap does not issue e-money, operate payment accounts, hold client assets or private keys, or provide custody"
  • The card terms name Bleap SIA of Latvia as the programme entity, while the wallet Terms of Service name Bleap Finance sp. z o.o. of Poland
Visa
Custody Strength: Self-custodyCustodial
Costs
Issuance fee Strength: Free Strength: Free (virtual card, the regional fee schedules price only the physical card)
The fine print
  • Physical Basic card €4.99 / £4.99 / US$4.99 / C$4.99
  • Physical Plus card free for annual subscribers, monthly subscribers of 6+ consecutive months or lockup holders, otherwise €24.99 / £24.99 / US$29.99 / C$39.99
  • Replacement €50 / £50 / US$50 / C$70 (Basic €45.01 / £45.01 / US$7 / C$10)
Annual fee Strength: Free Strength: Free (Basic)
The fine print
  • Plus €3.99/month or €39.90/year (£3.99, US$4.99, CA$6.99 monthly) or a 12-month CRO lockup of €450 / £400 / US$500 / CA$650
  • Pro €24.99/month or €249.90/year (£24.99, US$29.99, CA$39.99 monthly) or a lockup of €4,500 / £4,000 / US$5,000 / CA$6,500
  • Private tiers by 12-month CRO lockup only: Icy-Rose €45,000 / £40,000 / US$50,000 / CA$65,000, Obsidian €450,000 / £400,000 / US$500,000 / CA$650,000
FX fee Strength: 0% from Bleap: the EEA cardholder terms say Bleap charges no exchange fees, while…
The fine print
  • … "Mastercard scheme, network/FX rates, merchant or ATM fees and taxes may still apply"
  • The card spends USD or EUR balances (USDC, EURe)
  • Other currencies convert at the Mastercard rate
2% on foreign-currency spending outside the EU and UK for Basic cardholders in the EEA and UK…
The fine print
  • … (0.2% on other EU and UK currencies inside the EU and UK), 3% on non-USD spending on every tier below Private in the US, and 2% on non-CAD spending for Basic in Canada
  • From 1 October 2026 EEA/UK Plus and Pro also pay 0.2% inside the EU and UK, and outside it spend is free up to €400 / £400 a month on Plus and €800 / £800 on Pro, then 2% (until 30 September 2026 Plus and Pro pay no FX fee)
  • Canada Plus is free up to CA$700 a month and Pro up to CA$1,400, then 2% (since 1 September 2026)
  • Private tiers (Icy-Rose, Obsidian) pay no FX fee anywhere
Rewards
Cashback Strength: 1% Strength: Up to 4.5% prepaid; up to 6% on the US credit card
Yield on spendable balanceNoThe issuer pays yield, but in a separate productNoThe issuer pays yield, but in a separate product
Access
Apple / Google Pay Strength: Yes - Apple Pay and Google Pay; the virtual card provisions on activation, no physical card needed Strength: Yes (Apple Pay; Google Pay; Samsung Pay; Curve)
Bank account in your name Strength: SEPA: Yes - top-up and receipt at 0% (SEPA and SEPA Instant, fee schedule of 1 September 2026)
The fine print
  • IBAN: Yes - a dedicated IBAN in your own name issued by Monerium, rolled out gradually from the second quarter of 2026 per the help centre (31 August 2026)
  • EUR in by SEPA arrives as EURe, and outgoing transfers still show Bleap as sender during a transition period
 Strength: SEPA yes (EEA + Switzerland only: UK is NOT eligible for the EUR Account)
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
Daily spend limit€10,000 per transaction, €15,000 a day and €30,000 over a rolling 30 daysAvailable; varies by tier and region
ATM withdrawal limitFree up to EUR 400 and 3 withdrawals per rolling 30 days…
The fine print
  • … (the card page repeats "up to €400/month in free ATM withdrawals")
  • Virtual cards cannot use ATMs - "If you attempt to use a virtual card at an ATM, the transaction will be declined" - because they carry no PIN, so cash needs the plastic card
€200-€1,000 a month free by tier in the EEA (£180-£900 UK, US$200-US$1,000 US), 2% after
The fine print
  • Daily cap €2,000 on every EEA tier (£1,800 UK), US$500-US$2,000 US, C$700-C$2,500 Canada
  • The Canadian fee schedule publishes no free ATM allowance
Top-up methodsUSDC, USDT, other stablecoins; multi-chain support150+ cryptocurrencies including BTC, ETH, CRO, USDC, USDT
RegionsEEA and Switzerland per the cardholder terms of 28 June 2026 and the help centre, which refuses cards to anyone…
The fine print
  • … residing elsewhere and adds a restricted-nationality list that includes the United States
  • Availability inside the EEA is not uniform either: "residents of countries like Italy or Spain may not yet have access to Bleap cards"
  • Not available in the United Kingdom
  • Bleap's own card page contradicts the contract by naming a second, non-European region alongside the EEA in its FAQ, and a help article of 21 September 2026 opens accounts to residents of Brazil, but no card terms exist for anywhere outside the EEA and Switzerland, so the contract's scope stands
36 countries: USA excl. New York and the five US territories, UK, EU, Switzerland, Norway, Iceland, Canada, Australia…
The fine print
  • … 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
Behind the card
Card issuerUnlimit EU Ltd, Cyprus (Central Bank of Cyprus EMI, company number HE 328641)Named in the card termsForis Group (Crypto.com), UK + Malta + Australia + SingaporeNamed in the card terms
Our read
Strengths
  • You hold the keys
  • No issuance or annual fee
  • FX fee of 0.5% or less
  • Cashback: 1%
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
  • No issuance or annual fee
  • Cashback: Up to 4.5% prepaid; up to 6% on the US credit card
  • Apple Pay and Google Pay
  • Bank account in your name
  • Virtual and physical
Trade-offsNothing flagged by these checks
  • Issuer holds your funds

Which scores higher

Nothing in the formula favours Crypto.com over Bleap. What the formula cannot see is where you live and what you spend on: if Crypto.com is sold in your country and Bleap is not, that settles it, and the Regions row above is where to check.

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Bleap vs Crypto.com: FAQ

Bleap Card scores higher on the Sweepbase formula, at 4.7/5. What moves the score: self-custody, no issuance or annual fee, 1% cashback. The formula does not know where you live or how you spend, so check availability and fees for your own case.

Bleap Card: issuance Free, annual Free, FX 0% from Bleap: the EEA cardholder terms say Bleap charges… Crypto.com Visa Card: issuance Free (virtual card, the regional fee schedules price only…), annual Free (Basic), 2% on foreign-currency spending outside the EU and UK for… Neither card charges for issuance or annual membership, so the difference comes down to FX fees.

Bleap Card: 1% cashback. Crypto.com Visa Card: Up to 4.5% prepaid; up to 6% on the US credit card cashback. Rates can depend on tier, staking or caps, so check each card's page for the conditions.

Bleap Card: Self-custody. Crypto.com Visa Card: Custodial. Bleap Card keeps your crypto in your own wallet until you spend it, so the issuer never controls your funds.

Bleap Card supports Apple Pay and Google Pay. Crypto.com Visa Card supports Apple Pay and Google Pay.

Bleap Card: Europe. Crypto.com Visa Card: 36 countries. Check each card's detail page for the full country list.

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