A prepaid card that rewards spending, priced by how much crypto you lock up

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

The Crypto.com card is a prepaid Visa that spends a balance you load yourself rather than a bank account, and the terms of that balance are decided by a tier system: the more of the platform’s own CRO token you lock up, or the more you pay monthly, the better the rate you get. That is the whole product in one sentence, and it is why the card lands where it does with me — very good at everyday spending for people already inside the Crypto.com ecosystem, and much harder to justify for anyone who just wants a card.

Conditions are current as of October 28, 2026.

Verdict: 7.0 out of 10

Total: 7.0 / 10.

The audience the card is built for, plainly, is residents of Europe and Singapore who want tiered crypto rewards on ordinary spending. If that is you — you hold CRO, you are comfortable locking it up, you spend in EUR or SGD, and you want cash back in token rather than in a bank account — the everyday-use score of 9 out of 10 is honest and the card works.

If you do not hold CRO and do not want to, the same card asks you to pay 29.99 USD a month, or to commit thousands in tokens, to reach the rates you could have gotten elsewhere for nothing. That is not a deal-breaker for everyone, but it is the question I would ask first: what is the tier buying me, and would I buy it with money or with tokens?

The number that gives me pause is not the fees, which are legible once you find them. It is the complaints. A Trustpilot score of 2.0 out of 5 across 9,493 reviews, with 72% of them one-star, is not a rounding error in someone’s impression. The recent themes I read are specific rather than abstract: inability to fund the card, payments failing, a cancelled subscription still being charged, cashback terms changing after sign-up, withdrawals failing, chatbot-flavoured support with long waits, and a token delisted without conversion. Most of that is about the app and the exchange rather than the card itself, but you are buying into the whole platform when you take the card, so the distinction matters less than it would like to.

Will they give you the card?

Issuance is regional, and the name on the back of your card depends on where you live:

• US — Community Federal Savings Bank
• Europe — Foris MT Limited
• Singapore — Foris Asia
• Canada — Digital Commerce Bank
• Australia — Foris GFS Australia
• UK — ForisGFS UK
• Brazil — a USD card from Foris MT, for use outside Brazil

The European help article, as of 20 July 2026, lists 31 countries: 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.

The rule is your residential address, and you can see it in the way the card’s own help articles are split — into “residential address in Europe”, “residential address in Singapore”, and “non-Europe, Brazil and LATAM”. The citizenship rule is not stated on the public pages I read. That gap is worth naming plainly: if your citizenship differs from where you live, I cannot tell you from these pages whether that is a problem. You would have to ask support, and I would not rely on the answer until you have it in writing.

On countries the card will not serve: one third-party site lists Russia among 10 restricted countries — Afghanistan, China, Cuba, Iran, North Korea, Russia, Somalia, Sudan, Syria and Yemen — and that same list also includes Sudan in its “available” list, which is internally inconsistent and a reason to treat the whole list as soft. That is unofficial, not confirmed by the card. Older 2020 CoinDesk and CoinCodex coverage noted that Russia, Turkey and Ukraine were unsupported markets at launch.

How to get it

The application is a KYC process, and the pages describe it thinly. What the card’s own pages show is only the USA PATRIOT Act notice: name, address, date of birth, and a national identification number — an SSN in the US or a country ID elsewhere — and they warn that a driver’s licence or other photo ID may be requested. Whether proof of address or proof of age is needed is not stated.

That is thin enough that you should expect more. Unofficial reports describe identity verification with a government ID, a selfie and proof of address. Treat that as what to expect rather than as a promise, because the card has not confirmed it.

The card pages do not describe virtual, physical or metal options, nor a processing time, nor the reasons an application might be refused. What they do cover is the physical card in Europe: Midnight costs 4.99 EUR to issue and Ruby 24.99 EUR, though the fee is waived for some Level Up Plus subscribers and stakers, as is an upgrade. A replacement is 45.01 EUR on Midnight and 50 EUR on other tiers. How long it takes to arrive is not stated.

Unofficial US figures, per the same third-party site, are 4.99 USD issuance for Midnight and 29.99 USD for Ruby with nothing for the higher tiers, and 7 USD to replace a Midnight card or 50 USD for others. Delivery time not stated there either.

One structural point matters more than the paperwork. This is a prepaid card, not a bank card. It is not linked to a bank account and it has to be topped up. That single fact drives everything in the next two sections: no overdraft is possible, but also no credit line, and the balance only goes up when you put money in.

Fees: what it really costs

Two things in that table will surprise people. The first is the 1% for topping up by card, which is charged on the way in before you have spent anything. The second is the inactivity fee: if twelve months pass with no activity you initiated, the card starts charging you monthly, and from 1 October 2026 that rises from 5 EUR to 6 EUR. If you are the kind of person who opens an account, uses it abroad once, and forgets it exists, this is the clause that eventually costs you money for nothing.

The card’s top-level pages are vague about all of this — they say top-up fees, the interbank exchange rate and ATM fees “may apply” depending on your jurisdiction and tier, with no amounts. The figures above come from the regional help articles, which is where the real numbers live. Expect to have to find the article for your own region rather than reading them off the marketing page.

Now three everyday payments, to make it concrete.

A 30 EUR coffee in Berlin, on Midnight, paid by phone. No FX fee applies because you are spending euros. The card’s own 1% top-up fee has already been paid when you loaded. If you loaded 100 EUR by card, that cost you 1 EUR before the coffee. Nothing else is charged at the till.

A 30 EUR dinner in London, on Midnight. You are outside the euro area, so the 0.2% EU/UK rate does not apply — the card’s schedule puts Midnight at 2.0% outside the EU and UK. The interbank rate applies on top of the network rate, which is normal. This is the payment where the tier starts to matter.

40 EUR in cash from an ATM in Spain, on Midnight. The Midnight free allowance is 200 EUR a month, so this is inside it and the 2% withdrawal fee does not bite. The operator’s own surcharge still applies, and it counts toward the allowance rather than being additional. Keep drawing cash and you will cross 200 EUR, after which every further euro costs 2% plus the operator’s price.

The shape of it: small in-store spending in your own currency is cheap, foreign spending and cash are where the tier decides your bill, and the entry fee into the card is paid on every top-up.

Top up: how the money gets in

Three sources: your Crypto Wallet, your Cash Account, and other credit or debit cards. Crypto cannot be loaded directly — it is converted to local currency first, and that conversion happens under the card’s own rates.

Europe specifics: a minimum of 20 EUR for a card top-up, the 1% card fee, aggregated limits of 25,000 EUR daily and monthly and 250,000 EUR yearly, the same caps applying to crypto-to-card and cash-account-to-card, a maximum card balance of 25,000 EUR, and a loading frequency limit of 12 a day and 140 a month. Crypto has to be converted before it lands.

That is the practical reason top-up options score 6 out of 10. The routes exist and they work, but you cannot point the card at a token and have it spend that token. Every load is a conversion, and a conversion is a moment where the rate, the spread and the fee stack all land at once. If your plan was “hold BTC, spend BTC”, this card is not it.

Getting money back out is where I would press hardest before committing. The European article states the 50 EUR account closure fee and the inactivity fee, and then stops: the fee or procedure for withdrawing the card balance back to a wallet or a bank account is not stated in that article. Read that as an open question, not as a reassurance. If you have a plan for the money you will eventually load, ask support what the exit route costs before you fund it, not after.

Paying with it every day

The main rewards table, as the card publishes it:

Rewards are paid in CRO to your Crypto Wallet after each eligible transaction. Certain merchant categories and channels are excluded from CRO rewards, and the full list sits in a help article — I have not read it, so check it against where you actually spend before you count on a rate. Smaller tables on the same page show different values; the main table is the one I have used.

Two features people ask about are not described on the card’s own pages. Apple Pay and Google Pay support is not stated there; unofficial sources describe Apple Pay, Google Pay and Samsung Pay with availability varying by region, which is exactly the kind of thing you should test yourself the day you sign up rather than take on trust. Whether gambling merchants are blocked is also not stated, though category blocking is a normal issuer practice and varies by issuer.

The app is the control centre: cards are managed in the Crypto.com App. Its App Store listing, “Crypto.com: Trade Every Market”, showed 4.7/5 from 336K ratings when I looked on 20 October 2026, with Russian among the supported languages. An unofficial reading of Google Play gives 4.5/5 from 661,155 ratings. How disputes are handled is not stated.

What the everyday score of 9 out of 10 reflects is narrow and real: this is a prepaid Visa that loads instantly, spends anywhere Visa is accepted, and returns a meaningful share of your spending in token if you are in the tiers that pay it. The friction is the top-up fee, and the ceiling is the excluded merchant categories.

What can go wrong

I found no official incident record on the pages I read. What I did find is user-level reporting, and it is worth reading with the right lens: most of it is about the app and the exchange, only some is card-specific, and both live in the same app you will use to pay for lunch.

Trustpilot, read 20 October 2026: 2.0/5 across 9,493 reviews, 72% of them one-star, and the company replies to 31% of the negative ones. Recent October 2026 themes:

• inability to fund the card
• payment failures
• a cancelled subscription still being charged
• cashback terms changed after sign-up
• withdrawals failing
• chatbot-like support and long waits
• a token delisted without conversion

The last one is the one that would keep me up. If rewards arrive in CRO and a token is delisted without conversion, the reward you earned can change character overnight. The subscription still being charged is the mundane version of the same risk: the tier system is recurring billing, and cancelling is a separate act from walking away.

Now the structural risks, which are not specific to this card but apply to it.

Custody. Funds are held by Crypto.com or its issuer, not by you. The card page cites AICPA SOC, ISO 27701, ISO 22301 and PCI DSS, and the US issuer is a Member FDIC with a Visa U.S.A. licence; the UK entity, ForisGFS UK Limited, is an FCA-authorised e-money institution and not FSCS-covered. Card-level features — two-factor authentication, freeze, spending controls — are not described on the cards page, and whether customer funds are safeguarded or insured is not stated. Custodial platforms have a history: Mt. Gox, Coincheck, Ronin.

The issuer changes by region, and so does your protection. In the US the issuer is a savings bank; in the UK it is an e-money institution, which is not a bank and not covered by deposit guarantee. When you compare this card with another, compare the licence in your region, not the brand on the front.

Programmes can end. Card networks license issuers and can suspend a programme — WaveCrest in Europe in 2018, FTX in November 2022. Closures typically mean a notice period, then spending and loading stop, then you are asked to withdraw what is left. One 2026 closure reported by a single secondary source stopped new loads on 8 July and spending on 8 August; I could not confirm it and am not treating it as fact, but it illustrates the shape.

Merchant-side friction. A prepaid card’s BIN tells the shop which institution and country issued it, and some merchants apply extra scrutiny or decline when it looks foreign. Address verification is mainly a US, Canada and UK mechanism and is generally unavailable for foreign-issued cards, which can cause declines. A declined authorisation can leave a hold on your money for several days, typically up to seven.

Stablecoins are not immune. Crypto must be converted before it reaches the card, and stablecoins can depeg — TerraUSD in May 2022, USDC briefly in March 2023. Blockchain transfers are irreversible; a transfer on a network the provider does not support can be lost or need manual recovery with no guarantee.

The fee schedule is moving. The European article already carries the rise from 5 EUR to 6 EUR and a “before and from 1 October 2026” FX schedule. I found no 2026 licence or issuer news in search.

Support is live chat in the app or at chat.crypto.com, with phone and email by region — the US number is 888-824-8817, Singapore’s is 65-6264-0211 — and priority support at higher tiers. The app listing carries Russian among 26 languages.

What to take instead

The alternatives below are thinner on public detail than Crypto.com, which is itself informative. Most of their cards pages are not stated on the official pages I could read.

Bybit Card is the one to look at if Bybit is already your exchange, and the one to rule out quickly if you live in Europe: its cards page says the product is not meant for European Economic Area customers and that all EEA participation is strictly prohibited. Its card regions are Argentina, AIFC (Kazakhstan), Georgia, Kazakhstan, Australia, Mexico, Brazil, Peru and Asia Pacific, and the application asks for your country of residence — if it is unsupported, Bybit records your interest. No citizenship-versus-residence rule was found for Russian or Belarusian citizens specifically, though Bybit’s restricted list for its fiat services names Belarus, the Russian Federation, Serbia, China and the United States.

Its economics are stated in unusual detail: virtual card issuance free in all regions “until further notice” and no annual fees; physical issuance 29.99 USD in Australia, 5 USD or USDT in Argentina, 29.99 USDT in Georgia, Kazakhstan (AIFC) and Asia Pacific, none in Brazil or Mexico, and waived for VIPs holding a physical card in Australia, Kazakhstan, Georgia or Asia Pacific. Crypto conversion 0.9% over the One-Click Sell rate in the larger group, 0.5% in Argentina; FX 2% on top of the network rate in Australia, Asia Pacific, Georgia and Mexico, 2% in Kazakhstan (AIFC) even in USD, 7% in Argentina, 1.5% in Brazil, 1% in Peru, with FX padding of 0% to 5% refunded above that.

The catch is the rule that catches everyone: from 5 October 2026 at 10:00 UTC only crypto-funded transactions earn points or cashback — fiat-funded spending earns nothing. Tiers run Base 2.00% (5 USD cap) through Omega 8% (400 USD) to Infinite 10% (600 USD cap, 25,000 USD monthly spend to unlock); points pend four calendar days and cashback arrives in USDT at points × 0.002. That structure rewards holding and converting, not just spending.

MSX scores 6.4 with essentially nothing stated on the official pages I could read. Young Card scores 5.7 and publishes something Crypto.com does not: cashback paid in YNG tokens at 0.1% on the Essential Club tier, 1.8% on Gold and 3.6% on Platinum, with Bronze and Silver not stated.

The comparison that matters, then, is not “which card pays more back”. It is which card’s rules are written down where you can read them. On that measure Crypto.com is ahead of all three. If you are in the EEA, it is one of very few options in this category at all.

Who I would recommend it to

I would recommend the Crypto.com card to someone who is already holding CRO, is based in a supported region, spends most of their money in their local currency, and wants a slice of their spending back in token. To that person the card is good: it loads instantly, it works wherever Visa works, the top-up is one step, and the tier system gives a real rebate if you are already committed to the token.

I would not recommend it to someone whose main goal is a bank account substitute with predictable costs. The entry price is real — 1% on every card top-up, a subscription once you want better rates, 2% on cash withdrawals over the allowance, 2.0% FX on Midnight outside the EU and UK, and an inactivity fee that starts after twelve quiet months and rises to 6 EUR. Adding those up in your head is exactly the exercise I would do before applying.

And I would want anyone reading this to hold two facts at once. The card works well day to day — that is not in dispute, and the everyday-use mark of 9 out of 10 is mine. But you are buying a closed platform: the rewards are in the platform’s own token, the customer-support complaints describe the same app, and a delisted token with no conversion is a live scenario rather than a hypothetical one. A 2.0/5 Trustpilot score on the company you are depositing with is worth taking seriously before you load money, not after.

Check three things first, in this order: the fee article for your own region rather than the marketing page; the excluded-merchant-categories list, against where you actually spend; and the exit route for your balance, which the European article leaves unstated. If those three answers satisfy you, the card is good. If the third one is vague, that vagueness is the answer.

Frequently asked questions

What is the Crypto.com card?

It is a prepaid Visa that spends a balance you load yourself, not a bank account. You top it up with money from another card, your Cash Account or your crypto wallet, and the balance falls as you pay. Because it is prepaid it cannot overdraw, and because it is prepaid it also offers no credit line. Which tier you hold decides the ATM allowance, the foreign-exchange fee and how much of your spending comes back in CRO.

Is Crypto.com a bank?

No, and this matters more than the marketing suggests. The brand is a platform; the actual issuer depends 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. Some of those are banks and some are e-money institutions, and an e-money institution is not covered by a deposit guarantee scheme. Read the licence for your region, not the logo on the front.

How do I get the Crypto.com card?

You apply in the Crypto.com App and pass identity checks. The card’s own pages describe only a USA PATRIOT Act notice — name, address, date of birth and a national ID number — and say a driver’s licence or other photo ID may be asked for; whether proof of address or age is required is not stated, nor is processing time. In Europe the physical card costs 4.99 EUR on Midnight, and replacement is 45.01 EUR or 50 EUR depending on the tier.

Is the Crypto.com card free?

The entry tier is free, but the free tier gives you a 200 USD monthly ATM allowance and no everyday cash back. The next step is 4.99 USD a month, or 49.90 USD a year, or a 500 USD token lockup; then 29.99 USD a month, 299.90 USD a year, or 5,000 USD lockup. On top of that, Europe charges 1% to top up by card and 2% on cash withdrawals above the free amount, so “free” describes the subscription, not the card.

How do I top up the Crypto.com card?

From your Crypto Wallet, your Cash Account, or another credit or debit card. In Europe the minimum card top-up is 20 EUR, you can load 12 times a day and 140 a month, and the aggregate cap is 25,000 EUR daily and monthly with a 25,000 EUR maximum balance. Crypto cannot be loaded directly — it is converted to local currency first, which is the single most important thing to understand about how this card works.

Can I use the Crypto.com card in my country?

Issuance follows your residential address, not your citizenship — a citizenship rule is not stated on the public pages. Europe covers 31 countries including the UK and Switzerland; separately there is issuance in the US, Singapore, Canada, Australia and Brazil, where the card is a USD card for use outside Brazil. One unofficial source lists 10 restricted countries including Russia, but that same list also shows Sudan as available, so I would not treat it as reliable.

Is the Crypto.com card safe?

It is custodial: Crypto.com or its issuer holds the money, not you. The card page cites AICIA SOC, ISO 27701, ISO 22301 and PCI DSS, and card-level controls such as freeze and two-factor authentication are not described on the cards page. Safeguarding or insurance is not stated. Treat it like any custodial platform — a good one, but one where the counterparty and hack risk is real and the complaint record is 2.0 out of 5 on Trustpilot.

How do I add the Crypto.com card to Apple Wallet?

The card’s own pages do not state whether Apple Pay or Google Pay are supported; unofficial sources describe Apple Pay, Google Pay and Samsung Pay with availability varying by region. Rather than trust either answer, add the card to your wallet the day you receive it and make one small payment — that is the only test that settles it for you, in your country, with your bank.

What are the Crypto.com card limits?

In Europe: 25,000 EUR at point of sale daily and monthly and 250,000 EUR a year, a 25,000 EUR maximum balance, and 25,000 EUR aggregated top-up daily and monthly rising to 250,000 EUR a year. Cash withdrawals are 2,000 EUR daily, 10,000 EUR monthly and 75,000 EUR a year, with 3, 30 and 360 withdrawals respectively. Fees above the free ATM allowance are 2%, and provider surcharges count toward the limit.

Is the Crypto.com card worth it?

Worth it if you already hold and lock CRO, spend mainly in your local currency, and want spending rebated in token — there the rewards genuinely add up. Not worth it if you are paying for it in cash and expect ordinary bank-card economics: you are buying 1% off every top-up, 2% on cash over the allowance, 2.0% FX on Midnight outside the EU and UK, and an inactivity fee after twelve months. Ask yourself which currency you would pay the tier in.

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