Crypto.com Visa card review

Eligibility and how to apply for a Crypto.com Visa card

• Download the Crypto.com app (only compatible with mobile devices)
• Complete the KYC verification process
• Navigate to the "Card Page"
• Select your preferred card tier and stake the required CRO
• Accept the terms and conditions and stake your CRO for a minimum of 180 days
• Confirm your address for delivery – in the interim, you will be provided with a virtual card in the app

How does the Crypto.com Visa card work?

The Crypto.com card is a prepaid Visa card and works in much the same way as any regular prepaid card. The key difference being that you can top up your account with cryptocurrencies or through a bank transfer.

Main benefits of the Crypto.com Visa card

• Free subscriptions. Get reimbursed for subscriptions on platforms such as Netflix and Spotify.
• Multiple currencies supported. Store cryptocurrencies alongside fiat currency.
• Deposits and withdrawals. Easily transfer funds to and from your crypto wallet or bank account.
• Visa partnership. Use your Crypto.com card for in-store or online purchases anywhere Visa is accepted.
• Spending rewards. CRO rewards of up to 5% on every purchase are deposited directly into your Crypto.com wallet.

Main drawbacks of the Crypto.com Visa card

• ATM withdrawal fees. Monthly ATM withdrawals are capped at AUD$1,000 for high-end cardholders and AUD$200 for basic members. Withdrawals over these amounts incur a 2% fee.
• CRO staking. To receive the full 5% CRO rewards and card benefits package, you must be an Obsidian card holder with AUD$500,000 of CRO staked.
• Basic card holders receive minimal benefits. Crypto.com incentivises CRO staking. If you opt not to stake CRO tokens, you will not receive any benefits.
• No desktop support. All transfers and withdrawals must be completed through the Crypto.com app or by using the physical card.

How does it compare to a traditional debit card?

Crypto.com only offers prepaid cards. Unlike debit cards, prepaid cards cannot be directly linked to your bank account and need to be topped up manually. Top-ups can be completed via credit or debit card deposits or through cryptocurrency transfers.

How experienced do you need to be with crypto to use the Crypto.com Visa card?

Crypto.com Visa cards are suitable for all crypto users. Being able to transact with crypto and fiat currency makes the app particularly beginner-friendly, as there is no need to worry about DeFi exchanges or private keys.

What cryptocurrencies can I use with the Crypto.com Visa card?

Crypto.com supports the buying and selling of over 250 cryptocurrencies. Payments can be made through any Visa merchant. However, your crypto must first be converted to fiat currency in the app.

Is the Crypto.com Visa card safe? What are the risks?

• All cryptocurrencies are held in offline cold storage
• Transactions are screened for compliance
• Fiat currencies are held in regulated bank accounts and covered by commercial bank insurance

Although Crypto.com adheres to strict security guidelines, there is still an inherent risk involved with holding or trading digital assets. Crypto phishing scams are common, so make sure to always double-check digital transfers and only transact through the official Crypto.com app.

Where can you use the Crypto.com Visa card?

You can use your Crypto.com card anywhere that a Visa debit card is accepted. However, some merchants and subscription-based platforms require that a credit card is held on file and will not accept the Crypto.com card for payment.

Fees and exchange rates

• Deposits into your Crypto.com account are free
• Withdrawals to external wallets incur a gas fee (costs vary depending on the asset sent)
• A fee of up to 4% is charged when purchasing cryptos with regular credit, or debit cards.
• Reissuing lost/stolen cards or upgrading to a new card will incur a fee

More information can be found under the Fees and Limits section of the Crypto.com mobile app.

Alternative crypto debit cards

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Updated regularly

Product GXFCY-FSA	Mobile view crypto	Yield rate	Deposit fee	Supported cryptocurrencies
Bybit Card	Yield rate N/A Deposit fee $0 Supported cryptocurrencies 8	None	$0	8	Go to siteView details	loading Fetching your data...
CoinJar Card	Yield rate N/A Deposit fee $0 Supported cryptocurrencies 71	None	$0	71	Spend crypto using the CoinJar Card with a flat 1% conversion fee, which is returned in CoinJar Reward Points.	Go to siteView details	loading Fetching your data...
CoinSpot Card	Yield rate N/A Deposit fee $0 Supported cryptocurrencies 488	None	$0	488	Use the CoinSpot Mastercard online or in person to pay using your crypto. This prepaid debit card has zero annual fees and can link to up to 5 wallets per card.	Go to siteView details	loading Fetching your data...

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