Crypto.com Visa Card

Our assessment

Crypto.com sells two different Visa cards under one brand, and which one you have decides everything. The flagship is now a credit card earning cashback on a revolving line; the older prepaid card earns nothing at its free tier. It is also the only programme in this comparison that publishes its full fee schedule and card terms where anyone can read them.

The credit card ladder

The credit product pays 1.5% at the free tier, 3.5% at $4.99 a month or $500 of CRO staked, 4.5% at $29.99 a month or $5,000 CRO, 5% at $50,000 CRO and 6% at $500,000 CRO. Because it runs on a credit line, spending does not trigger a crypto sale on every purchase — a materially different tax position from a prepaid card.

Read the lockup as an investment, not a discount

Under the Level Up structure applying to prepaid cards issued from 2 September 2025, the free tier earns nothing and every better rate requires a subscription or a CRO lockup — 180 days at the lower tiers, twelve months higher up. If CRO falls during the lock, the loss on the stake can exceed everything the cashback pays. That is the calculation to run before signing up, and it is the reason a headline percentage is not a rate.

Why it scores highest here

Cost transparency is 35% of the score in this category, and this is the only programme where the fee page, the card terms and the rate table were all reachable and readable without an account. Nine of the fifteen cards here publish no fee documentation at a public address at all. Transparently complicated beats quietly simple.

Who it suits

The credit card fits high spenders who want cashback without selling crypto on every purchase. The prepaid card only makes sense for someone already holding CRO for other reasons — buying the token to unlock a rate is a leveraged bet, not a rewards programme.