Crypto.com Visa Card Reseña

Crypto.com card review: the short answer

The Crypto.com Visa Card is a workable prepaid card wrapped around a CRO lockup product, and the lockup is where the headline numbers live. This Crypto.com card review prices each tier the way a sceptic would, by what you pay to get in, what the capped cashback gives back, and what happens to locked CRO if the price keeps falling. Basic is free and earns 0% on everyday spending. Everything better costs a subscription or 12 months of CRO parked with Crypto.com, and the top 4.5% rate needs US$500,000 of it.

The terms keep moving, too. Rewards were cut in 2022, legacy rebates vanished in November 2025, and September and October 2026 brought fewer lounge visits, lower lock-up yields and new FX fees in the UK and EU. A reader spending US$1,000 a month in US dollars nets about US$85 a year on a yearly Plus plan and roughly zero on yearly Pro. In the US, Crypto.com's credit card pays a higher CRO rate at every tier.

What is the Crypto.com Visa Card, and is it a debit card?

It is a prepaid Visa card, not a debit card and not a credit card. You load money first and spend only that balance, and no bank account sits behind it. The US cardholder agreement says plainly that "The Card is not a credit card." In the UK it is an electronic money product.

The card holds fiat only. You fund it by selling a coin from your Crypto.com wallet into the card currency at a rate Crypto.com holds for 15 seconds, and Crypto.com says over 100 cryptocurrencies work this way. Nothing converts at the till.

You can also top up from the Cash Account, a bank card or (in the US) PayPal, but US cardholders cannot send card money back to the Cash Account, so it leaves only by spending or ATM withdrawal. Rewards land in the Crypto.com wallet, not on the card, and the app and exchange behind it are covered in our Crypto.com exchange review.

Crypto.com dates itself to 2016, when it traded as Monaco. It took the Crypto.com name in July 2018 and launched the card late that year, starting in Singapore. The press calls it Singapore-based, and its US arm, Foris, Inc., manages the US card programme from Tyler, Texas.

What are the Crypto.com card tiers in 2026?

There are five Crypto.com card tiers, and since the September 2025 Level Up revamp each one is a membership plan. Plus and Pro can be paid monthly (new subscribers get a 30-day free trial), yearly, or with a 12-month CRO lockup or stake. Both Private levels are lockup-only.

CRO is the token of the Crypto.com-linked Cronos blockchain; our explainer on what CRO is has the background. On CoinGecko it traded at US$0.057983 (£0.04350, €0.05160) at 20:18 UTC on 16 October 2026. The price moves daily. At that price the US$500,000 Obsidian lockup is about 8.6 million CRO, and the tables below, from Crypto.com's US, UK and EEA card pages and its rewards and benefits article, are as of 16 October 2026.

Caps apply to monthly spend in US dollars or the local equivalent and reset at 00:00 UTC on the 1st, and Crypto.com lists no reward above the cap for Plus or Pro.

The Crypto.com card benefits beyond cashback come with strings. Rebates (capped at US$13.99 a month for Spotify or Netflix and US$9.95 for Truth+) and lounge access go only to annual subscribers and lockup holders. Under Crypto.com's Priority Pass lounge rules dated 12 August 2026, Pro fell from four lounge visits a year to two and Private guests now cost US$35 or US$38 each, from 1 September 2026 in the US and most markets and from 1 October 2026 in the UK, EU and Latin America.

Paid-tier holders in France, Germany and Italy have been able to take BTC instead since 3 June 2026, at lower headline rates (1% to 3%) but with different spending caps, while UK and US prepaid holders get CRO only.

How much do you have to spend before a paid tier pays off?

On a monthly subscription you need about US$333 of spending a month on Plus, or US$1,200 on Pro, before the cashback covers the fee. Yearly billing lowers that to about US$277 and US$1,000. Those are the floors, and the caps set low ceilings.

Plus and Pro on a subscription

Divide the fee by the rate. Plus monthly is US$4.99 ÷ 1.5% = US$332.67, and Plus yearly is US$49.90 ÷ 12 ÷ 1.5% = US$277.22 (the fee works out at about US$4.16 a month). Pro monthly is US$29.99 ÷ 2.5% = US$1,199.60. Pro yearly is US$299.90 ÷ 12 ÷ 2.5% = US$999.67 (about US$24.99 a month).

Plus stops paying at US$750 of monthly spend, so it returns at most US$135 a year, or US$85.10 after the yearly fee. Pro tops out at US$450 a year, and its best yearly-plan result of US$150.10 takes US$1,500 of card spending every month. UK and EEA prices use the same numbers in pounds and euros, so the break-evens there are £/€266 (Plus monthly), £/€222 (Plus yearly), £/€1,000 (Pro monthly) and £/€833 (Pro yearly). In the US, foreign spending on Basic, Plus or Pro carries a 3% FX fee. That is more than either reward.

Plus and Pro on a CRO lockup

A lockup swaps a known fee for an unknown one. The unknown is CRO's price a year from now. Plus asks for US$500 of CRO and pays no lock-up reward, so it beats the US$49.90 yearly plan only if CRO loses less than 9.98% in 12 months.

Pro asks for US$5,000 of CRO and, since 10 September 2026, pays a 3% lock-up reward (US$150). It beats the US$299.90 yearly plan unless CRO falls more than 9.0%, because (US$299.90 + US$150) ÷ US$5,000 = 9.0%. Each threshold drops one percentage point for every 1% a year you could have earned on that cash elsewhere, the forgone-yield cost of locking up.

CRO has not been gentle. It fell 60.7% in the year to 16 October 2026 and sits 93.5% below its US$0.891544 peak of 23 November 2021, according to CoinGecko's market data, so a repeat would shrink a US$5,000 Pro lockup to about US$1,965.

A March 2025 governance vote (62.1% in favour) also reissued 70 billion burned CRO, lifting supply from 30 billion to 100 billion. The lockup lasts 365 days and you can only unstake in full after that. If you staked the CRO rather than using a custodial lockup, an estimated 36-day unbonding period with no rewards follows, so plan on about 13 months.

Private tiers: the card is the small part

At Private level the card rewards shrink next to the lockup. US$50,000 now earns 5% a year (US$2,500), down from 8.5%, and the 3.5% cashback band adds up to US$1,260 a year (3.5% of US$3,000 a month, with 0.5% on spending above that), so for someone spending US$3,000 a month the two together cover a CRO fall of 7.52%.

Obsidian's US$500,000 earns 6% (US$30,000), down from 9%. The card adds US$2,700 a year at the 4.5% cap, plus 1% above it, which makes it about 8% of the package. A 6.54% drop in CRO cancels a year of both, and a repeat of last year's fall would cost US$303,500.

Crypto.com's US Level Up page still advertised the old, higher yields when we checked on 16 October 2026, so trust the Help Center figures. The Private perks (no FX fee, US$1,000 of free US ATM withdrawals a month, unlimited lounge visits, and permanent rebates worth up to US$455.16 a year if you already pay for Spotify, Netflix and Truth+) are real but small next to the position.

What does a US$1,000-a-month spender actually earn?

About US$85 a year on a yearly Plus plan, roughly nothing on yearly Pro, and a loss on monthly Pro. The example assumes a US cardholder who spends US$1,000 a month in dollars for a year and sells each CRO reward on arrival, so only the lockups carry price risk.

The cap does the damage on Plus. This reader spends US$12,000 a year, but Plus pays on only US$9,000 of it. Pro pays on all of it, yet the yearly fee still eats US$299.90 of the US$300. The monthly Plus row includes the US$29.99 Ruby card fee, which applies to monthly subscribers of fewer than six consecutive months. The monthly rows assume 12 paid months. A new subscriber's 30-day free trial removes one month's fee from the first year, which lifts monthly Plus to a US$50.12 gain and trims monthly Pro to a US$29.89 loss.

Travel makes it worse. Put US$200 a month on foreign purchases and the 3% FX fee costs US$72 a year, turning yearly Pro into a US$71.90 loss and cutting yearly Plus to US$13.10. An annual Plus subscriber who already pays for Spotify and Truth+ can claw back up to US$71.82 in rebates over three months.

What fees and limits does the Crypto.com card have?

The card has no monthly or annual fee, but it charges for the Basic physical card, for FX on most tiers, for ATM use above a free allowance, and for inactivity after 12 months. The Crypto.com card fees below are as of 16 October 2026, from the US, UK and EU fee schedules and the US agreement effective 1 September 2026.

UK and EU FX changed on 1 October 2026. Basic pays 0.2% inside the UK or EU and 2.0% outside. Plus and Pro, which paid no FX fee until 30 September, now pay 0.2% inside and get a monthly allowance outside (£/€400 on Plus, £/€800 on Pro) before 2.0% applies. Private pays none. ATM operators can add their own surcharge, and Crypto.com publishes no shipping fee.

The Crypto.com card limits are high enough that few readers will reach them.

Canada, Australia and Singapore

The same tiers run in Canada, Australia and Singapore at local prices. Per the Canadian, Australian and Singaporean fee schedules, all three lost FX-free Plus and Pro spending on 1 September 2026, when inactivity fees also rose to AU$6 and SG$6 a month, and the Singapore figures apply to residents. Canada publishes no free ATM allowance, only caps of CA$700 a day and CA$7,000 a month on Basic and CA$15,000 a month on other tiers.

How has Crypto.com cut card rewards since 2022?

Repeatedly, and nearly always against the holder. Since 2022 Crypto.com has cut cashback, stripped rebates, shortened lounge access, lowered lock-up yields and added FX fees, with a few additions along the way. The ledger draws on Crypto.com's archived May 2022 card update and July 2022 rebate notice, CryptoSlate's report on the pre-cut rates, and current Help Center articles.

The cuts hit people who have already committed. The September 2026 yield cut applies to new lockups and renewals, so an Obsidian holder who renews earns US$15,000 a year less on US$500,000, while the marketing pages trail the terms by weeks.

Is the Crypto.com card safe?

The card balance is reasonably safe. In every region covered here it sits with a bank or a licensed payment or e-money firm. The wider company has a mixed record, with large operational errors in 2021 and 2022, a Dutch fine under appeal, no independent proof of reserves since 2022, and, for CRO holders, an August 2026 rollback of the Crypto.com-linked Cronos chain, which was not a Crypto.com loss.

Issuers and licences by region

Foris DAX UK holds an anti-money-laundering registration, not full authorisation. It offers no FOS or FSCS access. Staking and Earn are not among the services in Foris DAX MT's MiCA authorisation. In the US the Crypto.com app is not available in New York, and the prepaid card is not offered in the US territories. The OCC gave conditional approval on 23 February 2026 for Foris Dax National Trust Bank to offer custody, staking of custodied assets and trade settlement. It is not final. Nor does it change who issues the card.

Incidents

In May 2021 Crypto.com sent a Melbourne customer AU$10,474,143 instead of an AU$100 refund. It found the error in a December 2021 audit, and Fortune reported in August 2022 that it had won a default judgment in the Victorian Supreme Court. On 17 January 2022 Crypto.com detected unauthorised withdrawals from 483 accounts, where attackers had approved transactions without two-factor codes; its incident report listed 4,836.26 ETH, 443.93 BTC and about US$66,200 in other crypto, and Crypto.com says every affected user was reimbursed.

On 21 October 2022 Crypto.com sent 320,000 ETH (about US$400 million, roughly 80% of its ETH) to a whitelisted Crypto.com address at Gate.io instead of a new cold wallet. According to Decrypt, Gate.io returned 285,000 ETH on 29 October, the CEO said all of it went back to cold storage, and the error surfaced only in November after on-chain observers flagged it.

The 2026 event that matters for CRO holders was not a Crypto.com loss. On 30 August 2026 an attacker borrowed US$120.4 million from Tectonic, a lending protocol on Cronos, against inflated TONIC collateral. Per The Block, validators halted the chain and rolled it back 10,961 blocks (about 1 hour 54 minutes), reversing about US$111.2 million along with unrelated user transactions in that window, while about US$9.19 million left the chain. Anyone locking CRO for a year should weigh what that says about decentralisation.

Fines, enforcement and lawsuits

De Nederlandsche Bank fined Foris DAX MT Limited €2,850,000 on 2 October 2023 for unregistered crypto services in the Netherlands and published the fine on 13 March 2024. DNB rejected Crypto.com's objection on 28 June 2024, Crypto.com appealed on 1 August 2024, and no ruling has been published; DNB's annex is still dated 3 December 2024. In November 2024 Poland's KNF added the same entity to its warning list and notified the Warsaw prosecutor. No outcome has been published.

The SEC sent a Wells notice on 22 August 2024 over alleged unregistered broker-dealer and clearing agency activity. Crypto.com sued the SEC on 8 October 2024 in the Eastern District of Texas, voluntarily dismissed that suit with prejudice on 17 December 2024, and announced on 27 March 2025 that the SEC had closed its investigation without action.

On 6 October 2026 a federal judge in the Northern District of California dismissed a privacy class action against Foris DAX, Inc. over alleged website tracking, for lack of standing and with leave to amend by 5 November 2026. It may return.

Proof of reserves

Crypto.com's proof-of-reserves page still rests on a Mazars agreed-upon-procedures report on a 7 December 2022 snapshot. It was not an audit. Mazars paused all crypto proof-of-reserves work nine days later, and no newer independent attestation has appeared. The snapshot put reserves at 102% for both BTC and the USDC stablecoin but left out CRO. Crypto.com says it holds customer assets 1:1, a company claim. Your card balance, though, is fiat held by the issuer.

How is the Crypto.com card taxed?

Topping up by selling crypto is a disposal in both the US and the UK, so each crypto top-up can create a gain or loss you have to report. Spending the card balance afterwards is spending cash.

The IRS treats digital assets as property, and selling them for cash or swapping them for goods or services must be reported whether or not you make a gain. Brokers began reporting gross proceeds on Form 1099-DA for transactions from 1 January 2025, but the IRS says you must report all gains and losses either way, so keep cost-basis records for every coin you sell into the card. Our US crypto tax guide for 2026 covers the forms.

In the UK, HMRC's Cryptoassets Manual treats selling tokens for money, or using them to pay for goods or services, as a Capital Gains Tax disposal. Since 1 January 2026, UK crypto providers must also collect user and transaction data for annual reporting to HMRC under the Cryptoasset Reporting Framework.

Neither tax authority has published guidance on crypto card cashback, so ask an adviser how to treat CRO rewards. Staking rewards are income under both systems (on Schedule 1 for the IRS, and at their sterling value when received for HMRC).

How does the US Crypto.com credit card compare?

For US readers with good credit who pay in full each month, the Crypto.com credit card is the better product, with a higher CRO rate at every tier, no monthly cap on CRO rewards, no annual fee and the same Level Up plans.

The Crypto.com Visa Signature Credit Card comes from Comenity Capital Bank, part of Bread Financial; it was announced on 24 April 2025, launched later that year, and is closed to New York residents. Rates below are from Crypto.com's rewards terms, its BTC rewards article (the BTC option started on 19 May 2026) and the issuer's credit card agreement.

The purchase APR is 17.49%, 25.49% or 31.49% variable (32.49% on cash advances, up to 39.99% as a penalty rate), late fees run up to US$41, and every tier pays a 3.0% foreign transaction fee. Paid plans need 12 months of subscription or lockup from account opening.

On the US$1,000-a-month example, free Basic earns US$180 a year in CRO against nothing on prepaid Basic, and yearly Plus earns US$420, or US$370.10 after the fee, against US$85.10 on prepaid Plus. Interest is the catch. A month's interest on a US$1,000 balance at 25.49% is about US$21, set against US$35 of Plus rewards. The prepaid Private tiers keep one edge, since they charge no FX fee.

Is the Crypto.com card worth it?

For most people, no. The exceptions are readers who already hold CRO they planned to keep for a year, and US readers who qualify for the credit card. The verdict of this Crypto.com card review is that the prepaid card works as a spending tool, but its rewards are a lockup product with a card attached, on terms that keep moving against holders.

• Basic: a way to spend crypto you already plan to sell. It earns nothing, and the card costs US$4.99, £4.99 or €4.99.
• Plus, yearly: the one paid plan that clears its cost at modest spending, from about US$277 a month (£/€222), topping out at US$85.10 a year. In the US, keep it for domestic spending.
• Pro, yearly or lockup: needs about US$1,000 a month to break even and US$1,500 to reach its US$150.10 best case. Lock US$5,000 of CRO only if you would hold it for a year (about 13 months if you stake) anyway.
• Private: a CRO investment decision first. The perks are small next to a five- or six-figure position in a token that fell 60.7% in a year.

Skip the card if you want no CRO exposure, spend under about US$300 a month, travel often on a US Basic, Plus or Pro card, or live in New York. If you want a card that spends fiat with crypto on the side, compare our Revolut review and Coinbase Card review, or browse every option in our crypto cards hub. Scores follow our method for how we score crypto cards.

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