Crypto.com Visa Card Review
Widest regional availability among the rated crypto cards
of 10
The Crypto.com Visa Card scores 6.2/10 in our crypto card ratings, the plain average of five criteria checked against Crypto.com's card and fee pages on 1 November 2026, up from 5.6 after its FX rates were found published. It is available in more regions than its rated peers and publishes its fees by tier, but its custodial, CRO-linked structure and a 3% US FX fee on the lower tiers hold it back.
Score arithmetic
(9 + 6 + 3 + 8 + 5) / 5 = 6.2
FX fee, lower tiers
0.2% inside EU/UK, 2% outside (Europe); 3% (US); none on top two tiers
Tier access
$4.99 or $29.99 a month, or a 12-month CRO lockup of $500 to $500,000
Rewards
0% to 4.5% in CRO, capped at $750 to $5,000 of spend a month
Inactivity fee (US)
$5.95 a month after 12 months without activity, from 1 Sep 2026
Regions
US, Europe, UK, Singapore, Canada, Australia, Brazil
Scores
Each criterion carries equal weight. The overall score is the average of these 5 scores — (9.0 + 6.0 + 3.0 + 8.0 + 5.0) ÷ 5 = 6.2.
Pros
- Issuance, replacement, ATM, top-up and inactivity fees published by tier and region (fee disclosure 9)
- Card programs named for the US, Europe, UK, Singapore, Canada, Australia and Brazil (availability 8)
- FX rates now published by tier: 0.2% inside the EU and UK on the lower European tiers (conversion cost 6)
- Free Midnight Blue tier needs no subscription or lockup
Cons
- 3% US foreign transaction fee on the three lower tiers (conversion cost 6)
- Fee-free FX in the US only on tiers that need $50,000 or $500,000 of CRO locked
- Custodial app wallet plus a prepaid issuer balance, and lockups tie CRO up for 12 months (custody 3)
- Rewards paid in CRO with monthly caps; the free tier earns 0% (rewards 5)
How the Crypto.com Visa Card scores in crypto cards
The Crypto.com Visa Card scores 6.2 out of 10 in our crypto card ratings. This review covers the prepaid Visa card with metal tiers, not the separate US-only Crypto.com credit card. The category has five criteria, each marked 0 to 10 with equal weight, and the overall score is their plain average: (9 + 6 + 3 + 8 + 5) / 5 = 31 / 5 = 6.2. The rules are set out in our ratings methodology.
The basis is desk research of Crypto.com's card page and its regional fee pages, rechecked on 1 November 2026. No card was ordered or used. One mark changed at this recheck: conversion cost rose from 3 to 6, because Crypto.com's US and European fee pages now publish its foreign exchange rates by tier, which the July review could not find; the overall score rose from 5.6 to 6.2 as a result.
| Criterion | What we found | Mark |
|---|---|---|
| Fee disclosure | Separate US and European fee pages give issuance, replacement, ATM, top-up and inactivity charges as figures, by tier. The US page is dated 1 September 2026. | 9 |
| Conversion cost | Europe: 0.2% inside the EU and UK on the three lower tiers; outside, 2% on Midnight Blue and 2% after a fee-free monthly allowance on Ruby Steel and Jade Green / Royal Indigo. US: 3% on those three tiers. No FX fee on the two top tiers in either region. | 6 |
| Custody & control | Custodial twice over: crypto sits in the Crypto.com app, the card balance is a prepaid balance held by a regional issuer, and higher tiers can require CRO locked for 12 months. | 3 |
| Availability | Card programs named for the United States, Europe, the United Kingdom, Singapore, Canada, Australia and Brazil, each with a named issuer. | 8 |
| Rewards terms | 0% on the free tier, then 1.5% to 4.5% in CRO with monthly caps of $750 to $5,000. Reaching a paid tier costs $4.99 or $29.99 a month, or a 12-month CRO lockup of $500 to $500,000. | 5 |
Strongest criteria: fee disclosure and availability
Fee disclosure: 9
The criterion asks whether issuance, monthly, replacement, ATM and inactivity charges are published as figures. Crypto.com publishes all five, by tier and by region. On the US page, the Midnight Blue card costs $4.99 to issue, replacement is $7 for Midnight Blue and $50 for metal cards, ATM withdrawals cost 2% above a free monthly allowance of $200 to $1,000, and an inactivity fee of $5.95 a month applies from 1 September 2026 after 12 months without cardholder-initiated activity. The point withheld reflects how the information is split: the card page states no FX rate, the figures sit on separate help articles, and the European card page shows a second tier table that conflicts with its main one.
Availability: 8
This is the widest reach of the cards reviewed here. Crypto.com names a card issuer for each region it lists, from Community Federal Savings Bank in the US to Foris MT Limited in the European Economic Area. The mark is not higher because the card page points to a restricted-markets list without reproducing it, and some regional programs carry conditions: Canadian cards load only in CAD, and the Brazil-facing USD card is meant for use outside Brazil and can be funded only through a foreign exchange transaction or funds held abroad.
Middle and weakest criteria: conversion cost and custody
Conversion cost: 6, rescored from 3
The July mark of 3 reflected an FX cost the card page did not state. Both regional fee pages now give it as figures, so the mark is set on the measured rates, using the same standard applied to the other cards. In Europe the picture is close to the Nexo Card's weekday rates: 0.2% on non-EUR spending inside the EU and UK on the three lower tiers, with no weekend surcharge mentioned; outside the EU and UK, Midnight Blue pays 2%, while Ruby Steel and Jade Green / Royal Indigo pay nothing on the first €400 or €800 a month and 2% after that. The US is markedly worse: every non-USD purchase and ATM withdrawal on those same three tiers carries 3%, so a $500 purchase abroad costs $15 on top. FX is free only on Icy White / Rose Gold and Obsidian, which need $50,000 or $500,000 of CRO locked. The mark of 6 sits between the European and US results. Crypto is also sold to fiat when it is moved onto the card, and the price of that sale is not part of the card fee schedule. Our explainer on where crypto exchange fees hide covers how such spreads work.
Custody & control: 3, a deficiency by design
Every part of the product is held by someone else. Crypto stays in the Crypto.com app, the spendable balance is held by the regional issuer as a prepaid balance, and the lockup route to a higher tier commits CRO to Crypto.com for 12 months. The card page does not state that the US prepaid balance is FDIC insured, and it does not explain when locked CRO is released. That second layer of commitment is what puts this card a point below the other two custodial cards reviewed here, and makes custody its weakest criterion.
Rewards terms: 5, read against the cost
The top everyday rate is 4.5% in CRO, down from the up-to-5% figure recorded at the July check, and it applies only on Obsidian, on up to $5,000 of spending a month, after locking $500,000 of CRO for a year. The tiers a typical user can reach pay 1.5% on up to $750 a month for $4.99 a month or a $500 lockup, and 2.5% on up to $1,500 a month for $29.99 a month or a $5,000 lockup. At Ruby Steel, the maximum monthly reward of $11.25 (1.5% of $750) is more than the $4.99 subscription, but only if the cap is spent in full and CRO holds its value. The free tier earns nothing. Higher tiers also bring travel rewards and subscription rebates, which the criterion does not score.
What the score does not cover
- CRO price risk. Both the lockups and the rewards are in Crypto.com's own token; the score does not model its price.
- Spending limits. In the US, monthly purchases are capped at $15,000 on Midnight Blue and $25,000 on metal cards, and the card balance at $25,000. No criterion scores limits.
- The US credit card. The Visa Signature Credit Card issued by Comenity Capital Bank is a separate product and is not rated here.
- Hands-on use. Approval, delivery, app behavior and support were not tested.
Crypto.com Visa Card vs Nexo Card and Bitpanda Card
Among the cards reviewed on this site, the Crypto.com Visa Card scores below the Nexo Card (6.8) and level with the Bitpanda Card (6.2). Our methodology lists tied services alphabetically, so Bitpanda appears first; the tie is not broken on judgment.
| Criterion | Crypto.com Visa Card | Nexo Card | Bitpanda Card |
|---|---|---|---|
| Fee disclosure | 9 | 9 | 8 |
| Conversion cost | 6 | 9 | 7 |
| Custody & control | 3 | 4 | 4 |
| Availability | 8 | 6 | 5 |
| Rewards terms | 5 | 6 | 7 |
| Overall | 6.2 | 6.8 | 6.2 |
Crypto.com has the widest reach, two points ahead of Nexo and three ahead of Bitpanda on availability, and it matches Nexo on disclosure. Against Nexo, the 0.6-point gap is three criterion points: Nexo is three ahead on conversion cost, where the US 3% fee weighs, and one ahead on each of custody and rewards, which more than offsets Crypto.com's lead on reach. Against Bitpanda the totals are equal at 31: Crypto.com's leads on disclosure (one point) and availability (three) are offset by Bitpanda's on conversion cost (one), custody (one) and rewards (two).
Who the Crypto.com Visa Card suits
The score points to people outside the euro area and Europe, such as US, Canadian, Australian or Singaporean residents, who want a crypto-funded card at all and mostly spend in their home currency. It fits less well for US cardholders on the lower tiers who spend abroad often, since they pay 3%, and for anyone unwilling to take on CRO exposure through a lockup or rewards. This rating explains how the card measured against published criteria; it is not a recommendation to buy CRO or any other asset.
How it compares
Sources
Scored from published primary sources rather than hands-on use. Every figure above comes from one of the pages below, on the date shown. Manufacturers change prices and specifications without notice — if something here no longer matches the source, tell us and we will correct it.
- 1.Crypto.com — Visa Card page (tiers, lockups, rewards, regions, issuers) — checked
- 2.Crypto.com Help — Prepaid Visa Card fees and limits, US (1 Sep 2026) — checked
- 3.Crypto.com Help — Visa Card fees and limits, Europe — checked
- 4.Crypto.com — EEA card page (EUR tiers, Foris MT Limited) — checked
- 5.Coin Currents Daily — crypto card ratings (criteria definitions) — checked
- 6.Coin Currents Daily — ratings methodology — checked
Frequently asked questions
Why does the Crypto.com Visa Card score 6.2?
It is the plain average of five equally weighted marks: 9 for fee disclosure, 6 for conversion cost, 3 for custody and control, 8 for availability and 5 for rewards terms. They sum to 31, and 31 divided by 5 is 6.2.
What holds the Crypto.com Visa Card's score back?
Custody, marked 3, is the main drag: the product is custodial at every layer, and CRO lockups add a 12-month commitment for anyone who takes that route to a higher tier. Rewards, at 5, are paid in CRO with monthly caps, and conversion cost stops at 6 because US cards on the three lower tiers pay a 3% foreign transaction fee.
Which parts of the score were measured?
All five marks come from Crypto.com's card page and its US and European fee pages as of 1 November 2026. The fees, tier prices, reward rates and caps, and named regions are published figures. Nothing was tested hands-on, and the price of converting crypto at top-up is not in the fee schedule.
Who is the Crypto.com Visa Card suited to?
Residents of regions the other rated cards do not serve, such as the US, Canada, Australia or Singapore, who mainly spend in their home currency. It is a weaker fit for frequent spending abroad on a lower tier and for anyone who does not want exposure to the CRO token.
How does it compare with the Nexo Card and the Bitpanda Card?
It scores 6.2, behind the Nexo Card at 6.8 and level with the Bitpanda Card at 6.2; tied cards are listed alphabetically, so Bitpanda comes first. Crypto.com leads both on availability, trails Nexo by three points on conversion cost, and is one point lower than both on custody.
What changed since the previous check?
Conversion cost rose from 3 to 6, lifting the overall score from 5.6 to 6.2, because the US and European fee pages now publish the FX rates the July review could not find. The top everyday reward rate is now 4.5% rather than up to 5%, which leaves the rewards mark at 5.
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