Crypto.com Visa Card Review

What is Crypto.com Card?

The big draw? Crypto cashback on all purchases, some decent perks like free Spotify and Netflix (depending on your card tier), and it’s free to use. If you already use Crypto.com or are thinking about it, this card is one of the more attractive extras they offer.

Key Features of the Crypto.com Visa Card

FREE Crypto Cashback 

This is the main attraction. Based on your card tier, you’ll earn between 2% to 6% CRO cashback on anything you buy. For me, with the Indigo card, I'm part of Level Up Pro tier, and I receive 3%, automatically credited to my CRO wallet in the app. No need to jump through hoops, it just shows up after every transaction.

Over time, it’s added up. Even if I don’t convert that CRO to fiat or another crypto, it’s like slowly building a little bonus savings pot every time I shop or pay bills. It’s a nice passive perk if you’re already spending anyway.

Rewards and Perks

Depending on your tier, you can get full cashback on Spotify and Netflix. Just pay for your subscription using the Crypto.com card, and the equivalent amount gets refunded to you in CRO. It’s easy, but just know that at the lower tiers, this benefit is only valid for 6 months.

On the travel side, higher-tier cards (like Royal Indigo and above) also give you free airport lounge access. I’ve used this a few times on long layovers and it’s pretty sweet. Comfy seating, free snacks and drinks, and good Wi-Fi.

Spend Your Crypto Easily

Instead of going through the usual process of selling crypto to fiat, transferring to your bank, and then using that, Crypto.com makes it seamless. You just load up your card straight from your app and start spending: online, in stores, or overseas. If purchasing anything internationally, there are also zero FX fees on currency transactions!

It works both as a physical metal card (feels super premium) and digitally via Google Pay or Apple Pay. I rarely even carry the physical one anymore unless I’m going to the airport lounge.

Worldwide ATM Access

Another handy feature is being able to use the card at ATMs. Perfect for travel, you don’t need to stress about currency exchange before a trip. You can just withdraw the local currency from pretty much any ATM, and there are Zero FX fees on international currency transactions.

Each card tier gives you a monthly fee-free withdrawal allowance (up to $1,000 at the highest level), and anything above that comes with a 2% fee. For casual use, that free amount is usually more than enough.

Crypto.com Card Tiers

Crypto.com has different card tiers, and the perks you get depend entirely on how much CRO (their native token) you stake for at least 180 days, or alternatively, you can pay a monthly subscription fee.

At the top of the food chain is the Private Card, which gives you a hefty 6% CRO cashback on all your purchases. But here’s the catch: you need to stake $500,000 USD worth of CRO. Yeah… not exactly in the budget for most of us unless you’ve struck gold in crypto. The benefits are flashy - like a private jet partnership - but when I looked into that, it turns out it just means they give you a bottle of Dom and some ground transport after your flight. Cool, I guess, but not exactly a game-changer if you’re already paying thousands for a jet.

Most people (myself included) go for something way more manageable, like the Jade Green or Royal Indigo card (Level Up Pro tier). These require a $5,000 CRO stake, which is still a decent chunk of money but comes with 3% cashback, free airport lounge access, and 100% rebates on Netflix and Spotify for 6 months.

If you don't want to invest $5,000, you can join Level Up Plus and receive the Ruby card. That one requires only $500 of CRO and you receive 2% cashback in CRO and 100% rebate on Spotify for 3 months. 

My personal experience with Crypto.com card

So, I’ve been using the Crypto.com Visa debit card for a while now, and figured I’d share how it works and what it’s really like, especially if you’re curious about staking CRO or just want an easy way to spend your crypto.

Application Process

The sign-up process was super straightforward. I just downloaded the Crypto.com app, signed up, and applied for the card through the menu.

Since I wanted the Royal Indigo tier, I needed to stake $5,000 USD worth of CRO. The amount can vary depending on your country. After I bought the CRO, I locked it up for the required 180 days.

Verification and Approval

Then came the ID and address verification part. I uploaded my driver’s license and a utility bill, and it took about a week for approval. I’ve heard that’s pretty standard. It might take 1–2 weeks depending on how busy they are.

Getting the Card (and First Impressions)

Once I was approved, I could use a digital version of the card right away. I added it to Google Pay and started using it for online and in-store purchases immediately.

The physical card took about three weeks to arrive. It's metal, looks really premium, and definitely gets noticed when I pull it out to pay. That said, I rarely use it except when I want to get into airport lounges, where you do need the physical card.

Topping Up Crypto.com Card

Loading the card is easy. In the app, I just tap on the card, then hit 'Top Up.' You can fund it with crypto, fiat, or a credit card. I’ve tried all three, and they all work pretty seamlessly. Even when transferring fiat (which says it could take up to 4 days), it usually hits my account within minutes.

Spending with Crypto.com Card

As for spending (whether it’s online shopping or grabbing coffee in person) I just use the card like any other Visa. Online, you type in the details. In stores, I just tap my phone with Google Pay. Super convenient.

Receiving CRO Cashback

Every time I make a purchase, I get a notification from the app showing how much CRO I earned back. The cashback shows up instantly in my CRO wallet. I usually leave it there and just let it sit, hoping it’ll appreciate over time. But you can also sell it for fiat or swap it for other crypto whenever you want.

Benefits of Crypto.com Card

I also made use of the free Netflix and Spotify for the first 6 months. Just make sure you pay for those subscriptions with your Crypto.com card, and you’ll get reimbursed in CRO up to $13.99/month per service.

Airport lounge access is a nice perk too. Just show the staff your card, and you're in—free food, drinks, the whole deal. I’ve used this a few times and it’s definitely a cool bonus when traveling.

Overall Thoughts

Honestly, I really like using my Crypto.com Visa card. It feels good knowing that every time I spend, I’m passively growing my crypto portfolio even if it’s just 3% cashback. That might not sound like a lot upfront, but over time it adds up. And who knows? If CRO goes up in value, that cashback could turn into something way more valuable down the line.

The card itself is super easy to use. There are no annoying sign-up fees, no annual fees, and no transaction fees (unless you go over your monthly ATM limit). That’s a big plus for me.

The one thing to be aware of is the staking requirement. You do have to lock up your CRO for 180 days to get the good rewards. After that period, you can unstake your CRO if you want, but just know that your perks and cashback will drop unless you keep it staked.

All in all, I think it’s a solid option if you’re already into crypto or want a card that rewards you in something with potential future upside.

Crypto.com Card Pros and Cons

Crypto.com Card Fees

Application Fee

There is no cost involved to apply for the Crypto.com Visa debit card.

Annual Fee

$0 annual fee, unlike many credit cards.

Transaction Fee

There are zero fees involved when making purchases with your card.

ATM Withdrawal Fee

There is a 2% transaction fee to withdraw from an ATM if you have exceeded your monthly fee-free limit. The fee-free limits are as follows:

Upgrade Fee

To upgrade your card, you need to stake the required amount. For example, if you have the Ruby Steel already and you want to upgrade to Jade Green, you need to stake $5,000 USD. Once you have done that, you can continue to use your existing Ruby Steel card, and you will receive the upgraded cashback and benefits. However, you will not receive a physical Jade Green card unless you pay $50.

Lost or Stolen Card Fee

$50 to replace your card.

Account Closure Fee

If you spend your card's balance to zero, there is no fee.

However, if you have funds on your card and you wish for it to be returned, there is a $50 processing fee.

Staking Requirement

There are staking requirements that need to be met in order to receive a Crypto.com Visa card. The amount will depend on which tier of card you want to apply for. See here for the different tiers.

Conclusion

If you’re looking for a way to earn crypto rewards on your everyday spending (and don’t mind staking CRO for a while) the Crypto.com card is honestly a great option. I’ve had a good experience with it so far, and the fact that it’s so easy to use (plus no hidden fees) is a big win.

Would I recommend it? If you’re already into crypto and planning to hold CRO long-term, then yeah it makes a lot of sense. If you are interested in learning more about Crypto.com app before signing up for the card, read my full review of Crypto.com here.