Crypto.com Visa Card
Crypto.com · VISA prepaid
Crypto.com Visa Card is a leading crypto debit card featuring 1-5% CRO cashback (Midnight Blue offers 1% with no staking required). Client funds are fully protected under Malta's MiCA regulatory framework (Foris DAX MT Limited). However, aggressive reward cuts in 2022 and November 2025 completely eliminated lower-tier Netflix/Spotify rebates and introduced flat monthly fiat card subscriptions (€3.99 to €39.99/mo) as an alternative to CRO staking.
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Cashback
1.0%
CRO
Monthly fee
Free
FX markup
0.00%
over ECB
Fees
| Issuance | Free |
| Monthly fee | Free |
| FX markup | 0.00% |
| Free ATM per month | €200 |
| ATM fee thereafter | 2.00% |
| Card replacement | €25.00 |
Features
- ✓Physical card
- ✓Virtual card
- ✓Contactless payments
- ✓Apple Pay
- ✓Google Pay
- ✓Support for 250+ crypto balances
Supported fiat currencies: EUR, USD, GBP
Pros
- ✓Free Midnight Blue tier offers 1% cashback with zero staking requirements
- ✓Full client fund segregation protected under Malta's MiCA framework
- ✓Seamless Apple Pay and Google Pay integration across Europe
- ✓Metal card design and free delivery starting from the Ruby Steel tier
- ✓Free ATM withdrawals up to €200/month for Midnight Blue
Cons
- ✗Aggressive November 2025 cuts removed all free Spotify/Netflix rebates
- ✗Introduced flat monthly fiat subscription fees (€3.99 to €39.99/mo) if not staking
- ✗Cashback paid in CRO, which is subject to high market volatility
- ✗2.99% markup for top-ups directly funded via credit/debit card in-app
Full review
Crypto.com Visa Debit Card Review & Comprehensive Fee Analysis
The Crypto.com Visa Card is a metal debit card (plastic for Midnight Blue) operating on the Visa payment network. It allows users to spend their crypto and fiat assets at over 100 million merchants globally while earning crypto cashback.
Issuing and custodial operations are handled by Foris DAX MT Limited, a fully licensed Maltese CASP under the MiCA framework, ensuring bank-grade protection and client fund segregation for all European residents.
The Free & Affordable Tiers (Midnight Blue & Ruby Steel)
The card operates on a tiered system based on either staking native CRO tokens or paying a monthly fiat subscription:
- Midnight Blue: A completely free plastic card offering 1% cashback in CRO. It requires zero staking and has no monthly fees, making it one of the best entry-level crypto cards on the market.
- Ruby Steel: A premium metal card offering 2% cashback. It requires a €400 CRO stake or a flat monthly fiat subscription of €3.99/month.
- Royal Indigo / Jade Green: Offers 3% cashback with a €4,000 CRO stake or flat monthly subscription.
- Frosted Rose Gold / Icy White: Premium card offering 5% cashback (€40,000 CRO stake).
Aggressive 2022 & November 2025 Reward Cuts
Crypto.com's card rewards program has undergone several high-profile changes that have disappointed legacy users:
- 2022 Cuts: Drastic reductions in cashback rates and monthly cashback caps across all tiers.
- November 2025 Cuts: This was the most aggressive restructure in the card's history. Crypto.com completely eliminated Spotify, Netflix, and Amazon Prime rebates for Indigo/Green/Rose/Icy tiers. Simultaneously, a mandatory monthly card subscription fee was introduced (starting at €3.99/mo for Ruby Steel and up to €39.99/mo for higher tiers) as an alternative to locking up CRO. Users who do not stake or pay subscriptions now receive zero benefits.
Security & Practical Usage
All user balances and custodial funds on the card are fully segregated under the Maltese MFSA (MiCA) regulatory shield provided by Foris DAX MT Limited. Bankruptcies or liquidations of the exchange will not affect card balances.
The card supports Apple Pay and Google Pay across Europe. Free monthly ATM withdrawals range from €200 (Midnight Blue) up to €1,000 for higher tiers.