Image: Crypto.com
Crypto.com Prepaid Visa Card review: fees, cashback and limits
The big exchange card, with rewards tied to Crypto.com's Level Up plans.
Quick answer
The Crypto.com Visa is a custodial prepaid card from one of the largest crypto exchanges. Rewards are paid in CRO and depend on your Level Up plan: up to 4.5% on prepaid cards and up to 6% on the US credit card. Higher rates need a paid subscription (from $4.99 a month) or a 12-month CRO lockup. It's available in the US, Canada, the EEA, the UK, Australia, New Zealand, Singapore, Brazil and Bahrain.
Crypto.com Visa Card at a glance
| Best for | People who already use the Crypto.com app and are happy to subscribe or lock CRO for better rewards. |
|---|---|
| Skip it if | You want rewards without subscriptions or token lockups, or you prefer self-custody. |
| Network | Visa (Mastercard in Bahrain) |
| Card issuer | Varies by region. US credit card issued by Comenity Capital Bank. |
| Custody | Custodial (Crypto.com holds your balance) |
| Card type | Prepaid, plus a credit card in the US |
| Virtual or physical | Virtual and physical |
| Cashback | Up to 4.5% in CRO (prepaid), up to 6% (US credit) |
| Annual fee | No annual card fee on prepaid cards. Level Up plans start at $4.99 a month. |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | US (prepaid and credit), Canada, the EEA, the UK, Australia, New Zealand, Singapore, Brazil and Bahrain. |
Crypto.com Visa Card fees
| Card cost | Varies by region and tier. Check the app. |
|---|---|
| Annual or membership fee | No annual card fee on prepaid cards. Level Up plans start at $4.99 a month. |
| FX and cross-border | No foreign transaction fees on the prepaid card in the US, Canada and EEA, but fees may apply on some tiers or in some jurisdictions |
| Crypto conversion | Not publicly listed. Top-ups from crypto use Crypto.com's conversion rate. |
| ATM withdrawals | ATM withdrawals supported on prepaid cards. Fees and free limits depend on your region and tier. |
Visa and Mastercard apply their own exchange rates on top of any card markup. Check the fee page in the Crypto.com Visa Card app for your country before you load money. To see what Crypto.com Visa Card would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Crypto.com Visa Card
These are Crypto.com Visa Card's own fees on the Base tier, before the card network's exchange rate and any ATM or top-up costs. Its FX markup of 0% is lower than the median of 1% across the 60 cards we track with a published FX fee, and cheaper than 37 of them. For a full year based on your own spending, use the cost calculator.
Where it ranks by our score: #10 of 20 in United States#2 of 7 in Canada#14 of 36 in Europe (EEA)#12 of 20 in United Kingdom#13 of 27 in Latin America#11 of 24 in Asia-Pacific#8 of 16 in Middle East
Cashback and rewards
- Rewards are paid in CRO, so their value moves with the CRO price
- Your rate depends on your Level Up tier (Plus, Pro or Private)
- Tiers need a subscription from $4.99 a month, or a CRO lockup or staking for 12 months
- The US Visa Signature credit card offers 1.5% to 6% depending on tier
| Tier | Price or requirement | Cashback | Notes |
|---|---|---|---|
| Base | Free | Low or none | Prepaid card without a Level Up plan |
| Level Up Plus / Pro / Private | From $4.99/month, or a 12-month CRO lockup | Up to 4.5% prepaid, up to 6% US credit | Exact rates and perks vary by plan and region |
Deposits and withdrawals
How to top up
- Crypto from your Crypto.com app balance
- Fiat from your Crypto.com fiat wallet (bank transfer where supported)
- Debit or credit card top-ups in some regions
Fees: Depends on the method and region. Card top-ups usually cost more than bank transfers.
How to withdraw
- Move funds back to your Crypto.com app
- Withdraw fiat to your bank through the fiat wallet
- Withdraw crypto onchain from the app
- ATM cash withdrawals
Fees: Network fees for crypto withdrawals. Bank withdrawal fees depend on region.
Supported assets: Top up with stablecoins or other crypto held in the Crypto.com app.
Where Crypto.com Visa Card works
US (prepaid and credit), Canada, the EEA, the UK, Australia, New Zealand, Singapore, Brazil and Bahrain.
Not available everywhere Crypto.com operates. Check the app in your region.
Limits and perks
Limits
- Daily limits by region: €25,000 EEA, £22,000 UK, S$100,000 Singapore, A$30,000 Australia
Perks
- Level Up plans also bundle other Crypto.com app benefits
- Perks such as subscription rebates and lounge access have been tied to higher tiers in the past. Check current terms in your region.
Pros and cons
What's good
- Big, established app with lots of funding options
- Available in the US, Canada, UK, EEA and Asia-Pacific
- High reward rates on top tiers
What's not
- Best rates need a monthly subscription or a 12-month CRO lockup
- Rewards paid in CRO, which can lose value
- Custodial
- Fee and perk details differ a lot by country
Our take on Crypto.com Visa Card
For many people the Crypto.com card was their first crypto card, and the app is still one of the easiest ways to buy crypto and spend it. You top up from your app balance or your fiat wallet, tap the card, and that's it.
Rewards are where it gets complicated. Crypto.com now ties card rewards to its Level Up program. You can get up to 4.5% back in CRO on prepaid cards, and the US credit card offers up to 6%, but only on higher tiers. Those tiers need a subscription starting at $4.99 a month or a 12-month CRO lockup. So the real question is whether your spending earns more than the subscription costs, or whether you're comfortable locking a single token for a year.
Rewards are paid in CRO. If CRO drops, so does the value of what you earned. Some people convert rewards to stablecoins right away to avoid that.
Fees and perks differ a lot by region. Crypto.com says the prepaid card has no foreign transaction fees in the US, Canada and the EEA, but also warns that fees may apply on some tiers or in some places. Always check the fee page inside the app for your country before you rely on it abroad.
Convenient if you already use Crypto.com, and rewarding if a Level Up plan makes sense for your spending. Do the subscription maths first, and remember it's custodial.
How we scored Crypto.com Visa Card: 6.4/10
MethodologyCrypto.com Visa Card FAQ
How much cashback does the Crypto.com card give?
Up to 4.5% in CRO on prepaid cards and up to 6% on the US credit card, depending on your Level Up tier. Lower tiers earn less.
Do I need to stake CRO for Crypto.com card rewards?
Not necessarily. Level Up tiers can be unlocked with a subscription from $4.99 a month, or with a 12-month CRO lockup or staking.
Does the Crypto.com card have foreign transaction fees?
Crypto.com says the prepaid card has no foreign transaction fees in the US, Canada and the EEA, though fees may apply on some tiers or in some jurisdictions.
Where is the Crypto.com card available?
The US, Canada, the EEA, the UK, Australia, New Zealand, Singapore, Brazil and Bahrain.
Sources
- Crypto.com: Revamped Level UpLevel Up tiers, pricing, card reward ranges, Sep 2, 2025
- DefiLlama card details: Crypto.comRegions, networks, daily limits, reward caps, verified Sep 28, 2026
We checked these sources on 15 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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