Prepaid Visa card with CRO rewards up to 4.5% and tier-based subscription fees
The Crypto.com Visa Card is a custodial prepaid Visa card issued and promoted by Foris MT Limited under its Visa Principal Member license. Cardholders top it up through the Crypto.com App, then spend the loaded fiat balance in shops, online or at ATMs. Eligible everyday spending earns CRO rewards of up to 4.5%, depending on the card tier and programme terms.
Crypto.com runs the card programme. Its co-founders are Kris Marszalek, CEO and a former CEO of Ensogo; Bobby Bao, Head of Corporate Development; Gary Or, the founding CTO; and Rafael Melo, CFO with roughly 15 years of finance experience. Crypto.com is headquartered in Singapore, while its parent company is based in Malta. The card issuer named in the card terms is Foris MT Limited, a Malta company with registration number C 90348.
The card is prepaid rather than a debit card linked directly to a bank account. Funds can come from the Crypto.com Wallet, Cash Account or another credit or debit card. Cryptocurrency cannot be loaded directly. Crypto is converted into the relevant market currency before the balance is loaded. The card is available in Visa format, and the programme uses Level Up to determine eligibility, CRO lockup or subscription requirements, and rewards.
Spending rewards are paid in CRO to the Crypto Wallet after eligible transactions. The card page lists CRO rewards from 0% to 4.5% on everyday spending, with tier-specific monthly limits. Crypto.com Travel rewards range from up to 5% to 40%, depending on the tier.
Midnight Blue has no subscription fee. Ruby Steel costs €3.99 per month or €39.90 yearly, or requires €450 in 12-month CRO staking. Jade Green and Royal Indigo cost €24.99 monthly or €249.90 yearly, or require €4,500 in 12-month CRO staking. Higher tiers require CRO lockups of €45,000 or €450,000 for 12 months.
Free ATM withdrawals range from €200 to €1,000 per month by tier. The ATM withdrawal cap is €10,000 per month, and the aggregated top-up limit is €25,000 per month. ATM and top-up charges depend on the jurisdiction and card tier. Exchange charges also depend on these terms.
The card is offered in the United States, United Kingdom, and EEA, with eligibility determined by country and account onboarding. Identity verification is required, and higher tiers can involve deeper KYC checks. Rewards are paid in CRO, so their value changes with the token. CRO lockups also expose cardholders to a volatile asset while funds remain committed.
Crypto.com reported an unauthorized-withdrawal security incident in January 2022, involving about $30 million in reported losses. The card is custodial, so access depends on Crypto.com and its issuer. Programme benefits can change under the applicable terms.
Previously served as CEO of Ensogo and is described by Crypto.com as a company builder based in Hong Kong.
Described as having roughly 15 years of finance experience.
The card offers broad CRO rewards and tier benefits, but higher rates require paid plans or substantial 12-month CRO lockups and custodial balances.
Crypto.com Visa Card is a custodial prepaid Visa card issued and promoted by Foris MT Limited, a Malta-registered company. It must be topped up before use. Funds can come from the Crypto.com Wallet, Cash Account, or another credit or debit card, while cryptocurrency is converted into the relevant market currency before loading. It is not a self-custodial card linked directly to a wallet.
Midnight Blue has no subscription fee and pays 0% on everyday spending. Ruby Steel costs €3.99 per month, €39.90 per year, or requires €450 in 12-month CRO staking, with 1.5% CRO rewards up to USD 750 per month. Jade Green and Royal Indigo reach 2.5% up to USD 1,500 per month at €24.99 per month, €249.90 per year, or €4,500 in 12-month CRO staking. Higher tiers offer up to 4.5% on everyday spending, while Crypto.com Travel rewards reach up to 40%. Headline rates depend on CRO exposure and programme terms.
ATM terms are clear for the listed EUR tiers: the free monthly allowance ranges from €200 to €1,000, the ATM withdrawal cap is €10,000 per month, and the aggregated top-up limit is €25,000 per month. The card page also advertises zero foreign exchange fees, while its terms say ATM fees, top-up fees, interbank exchange rates, and other charges can depend on jurisdiction and card tier. That leaves the total cost less predictable than a simple debit card fee schedule.
Availability includes the United States, United Kingdom, and EEA, with eligibility determined by jurisdiction. KYC depth can increase for higher tiers.
Crypto.com was founded by Kris Marszalek, Bobby Bao, Gary Or, and Rafael Melo, with Marszalek as CEO. The company reported a 2022 security incident involving about USD 30 million in unauthorized withdrawals, including 4,836.26 ETH and 443.93 BTC. The custodial model, CRO volatility, lockups, and regional restrictions are material weaknesses.
| Card type | Prepaid |
|---|---|
| Card network | Visa |
| Card format | Virtual, Physical · unverified |
| Custody | Custodial |
| Max cashback ⓘ | 4.5% · unverified |
| Rewards paid in | CRO · unverified |
| Staking needed for top rewards | Yes · unverified |
| Monthly fee | $24.99 · unverified |
| Annual fee | $249.90 · unverified |
| Foreign exchange fee | 0% · unverified |
| Crypto conversion spread | Exact rates depend on jurisdiction and card tier · unverified |
| ATM withdrawals | Free withdrawals from €200 to €1,000 per month depending on tier; other fees may apply · unverified |
| ATM withdrawal limit | €10,000 per month · unverified |
| Available in | Europe (EEA), United Kingdom, United States · unverified |
| Spendable assets | Cryptocurrency converted to the relevant market currency, CRO · unverified |
| Card currencies | EUR · unverified |
| Good for | Everyday spending, Travel, Online shopping, Subscriptions & AI tools · unverified |
| Perks | CRO spending rewards, Crypto.com Travel rewards, Spotify rebates, Netflix rebates, Truth+ rebates, Airport lounge access, Priority support · unverified |
| Card issuer | Foris MT Limited · unverified |
Not disclosed by the provider: KYC required, Business card, Welcome bonus, Card issuance fee, Top-up fee, Daily spending limit, Not available in, Top-up networks, Spend stablecoins, Apple Pay, Google Pay, Virtual card fee, Referral program.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Eligible everyday purchases earn CRO, with advertised rates from 0% to 4.5% depending on the card tier and monthly limit.
The card spends from a topped-up fiat balance rather than drawing directly from a bank account or loading cryptocurrency onto the card.
Crypto.com converts supported cryptocurrency into the relevant market currency before loading the prepaid balance.
Tiers range from free Midnight Blue to plans requiring €450, €4,500, €45,000 or €450,000 in 12-month CRO staking.
Free ATM allowances range from €200 to €1,000 per month by tier, with a €10,000 monthly withdrawal cap.
Crypto.com Travel rewards range from up to 5% to 40%, depending on the card tier.
Selected tiers include rebates for Spotify, Netflix and Truth+, with entitlements ranging from three months to permanent coverage.
Users can top up from the Crypto.com Wallet, Cash Account or another credit or debit card, subject to a €25,000 monthly aggregate limit.
The app is where users join Level Up, select a card tier, lock up CRO or choose a subscription, top up the prepaid card, and manage spending. It also deposits eligible CRO rewards into the Crypto Wallet.
Level Up determines card eligibility, CRO lockup or subscription requirements, spending rewards, and membership benefits. Listed tiers include Midnight Blue, Ruby Steel, Jade Green, Royal Indigo, Icy White, Rose Gold, and Obsidian.
The Crypto Wallet supplies funds for card top-ups and receives CRO spending rewards. Cryptocurrency is converted into the relevant market currency before it is loaded onto the prepaid card.
The Cash Account is another funding source for the prepaid card. The account is provided by Foris MT Limited.
Crypto.com Travel is a card-linked rewards category with CRO rewards of up to 5% to 40%, depending on the card tier.
The available posts are mostly complaint-oriented, with fewer specific positive reports. Some posts report unresponsive support, blocked deposits or transfers, and account or card-related issues.
“Cards are nice but the real value in these platforms is the credit line functionality. Being able to borrow against ur crypto for everyday spending without selling is the actual innovation”
“I was just charged $29 USD to transfer USDC to my CAD fiat wallet. This has never happened. I tried to contact support and it just referred me to the fee schedule - which does not say anything about a $29 fee. Did I do something wrong? With spread, the exchange rate, the trade and this fee this cost”
“Please help? Can't sell any of my assets to USD Account [removed]”
“You said cashback rewards reset on the 1st of the month at 00am UTC. I spend big amount on 1st of Sept few hours BEFORE 00am UTC, but it's still counted towards this month's spending. Please explain why the reality is different from what you have communicated?”
“Why is your live support not giving any information about my case? 13 days have past without a single proof that you are working on it. Every four days another agent contacts me and puts me to starting point. Why are my Reddit posts being deleted by mods?”
Scam warning: Phishing calls, emails, and fake messages have been used to impersonate Crypto.com and target users.
Scam warning: Scammers have stolen funds and locked users out of accounts.
Based on 100 Reddit posts and comments, 77 X replies from the last 12 months, checked Oct 17, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
No user reviews yet. Have you used Crypto.com Visa Card? Share your experience below.
Crypto.com was founded by Kris Marszalek, Bobby Bao, Gary Or, and Rafael Melo. Kris Marszalek is the company's CEO, while Foris MT Limited issues and promotes the prepaid Visa card.
Midnight Blue has no subscription fee; Ruby Steel costs €3.99 per month or €39.90 per year, and Jade Green and Royal Indigo cost €24.99 per month or €249.90 per year. Higher tiers can instead require 12-month CRO staking, and ATM, top-up, exchange, and other charges can depend on the jurisdiction and tier.
The card is available in the United States, United Kingdom, EEA, and other regions, subject to local eligibility. KYC depth can increase for higher tiers.
The card uses a custodial account and is issued by Foris MT Limited rather than a self-custodial wallet. Crypto.com reported a January 2022 security incident involving about USD 30 million in unauthorized withdrawals, including 4,836.26 ETH and 443.93 BTC.
The card converts cryptocurrency into the relevant market currency before loading, and CRO is the rewards token. Cronos is the chain identified with the product ecosystem, while the card itself is topped up through the Crypto.com Wallet, Cash Account, or another credit or debit card.
The card pays eligible spending rewards in CRO, the Crypto.com ecosystem token. CRO rewards are deposited into the Crypto Wallet in the Crypto.com App.
Recent public posts from @cryptocom, shown as published. Not reviewed or endorsed by CryptoReview.
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