Crypto.com Visa Card review
Last reviewed 2026-08-12
The Crypto.com Visa Card covers more countries than any other card we review, but its rewards now run through the Level Up program and the good rates require locking CRO for 12 months. The free Basic tier pays about 1.5% back in CRO, mid tiers pay around 3.5%, and the top tiers reach 5 to 6%, with every paid tier gated behind a subscription or a 12-month CRO lockup or stake. Rewards accrue in CRO, Crypto.com's own token, so what your cashback is actually worth depends on a price you do not control.
Coverage is broad: the prepaid card is available in 49 US states plus Washington DC (not New York), the UK, most of the EEA, Switzerland, Canada, Australia, Singapore, and Brazil. In the US, Crypto.com also offers a separate credit card issued through Bread Financial's Comenity bank, which earns rewards on a revolving credit line rather than a prepaid balance.
Run the math before committing: locking a volatile token for 12 months to raise your cashback rate is a leveraged bet on CRO, not a simple rewards perk. If you would not buy and hold that much CRO anyway, the free Basic tier or a plain cash-back card is the honest comparison.
- Issuer
- Crypto.com
- Rewards
- About 1.5% back in CRO on the free tier, around 3.5% on mid tiers, and 5-6% at the top, with paid tiers gated behind 12-month CRO lockups or subscriptions.
- Fees
- No annual fee on the prepaid card; the real cost is the 12-month CRO lockup needed for the higher reward tiers, plus CRO price risk while locked.
- Available in
- United States (49 states plus Washington DC, not New York), United Kingdom, Most of the European Economic Area, Switzerland, Canada, Australia, Singapore, Brazil
Reward tiers
Rewards accrue in CRO, so their dollar value moves with the CRO price. Tier mechanics differ slightly between the prepaid card and the separate US credit card; check the terms for your country before locking anything.
| Tier | Rewards | Requirements |
|---|---|---|
| Basic | About 1.5% back in CRO | Free tier, no lockup or subscription |
| Plus | Around 3.5% back in CRO | Monthly subscription, or CRO locked or staked for 12 months |
| Pro | Around 3.5% back in CRO plus extra perks such as streaming rebates | Higher subscription, or a larger 12-month CRO lockup or stake |
| Private | 5-6% back in CRO | The largest 12-month CRO lockups; the top rate is reserved for the biggest balances |
Pros and cons
What works
- Widest country coverage of the major crypto cards, spanning the US, UK, most of the EEA, Switzerland, Canada, Australia, Singapore, and Brazil
- Top tiers pay 5-6% back, among the highest headline rates of any crypto card
- A free Basic tier exists, so you can hold the card without locking any CRO
- A separate US credit card option earns rewards on a revolving line without prepaid top-ups
What to watch
- The best rates require locking CRO for 12 months, price risk that ordinary cash-back cards do not carry
- Rewards pay out in CRO, so their real value depends on Crypto.com's own token
- Not available in New York
- Reward terms have been restructured more than once, so the rate you sign up for may not last
Frequently asked questions
How much cashback does the Crypto.com card pay?
The free Basic tier pays about 1.5% back in CRO. Mid tiers pay around 3.5% and the top tiers reach 5 to 6%, but every paid tier requires a subscription or a 12-month CRO lockup or stake.
Is the Crypto.com card available in the US?
Yes, in 49 states plus Washington DC. New York is the exception. There is also a separate US credit card issued through Bread Financial's Comenity bank.
Do I have to lock up CRO to earn rewards?
Not on the Basic tier, which pays about 1.5% with no lockup. Higher tiers are gated behind a paid subscription or CRO locked or staked for 12 months, and the top rates require the largest lockups.
What are the rewards paid in?
CRO, Crypto.com's own token. The dollar value of your cashback rises and falls with the CRO price, both while it accrues and for as long as any lockup lasts.