Crypto.com Prepaid Visa Card (US)
Crypto.com · Visa · prepaid · Custodial · metal
At $1,000/month spend with no stake, Crypto.com Prepaid Visa Card (US) nets −$90 a year. According to Cardefi data, 7 of 10 key figures are verified from the issuer's pages, latest 5 Sep 2026.
Open at Crypto.comdirect — pays us nothing
- Cashback at your stake
- 0.0%
- Min. stake for rewards
- —
- Annual fee
- $0 issuance $5
- FX fee
- 3.0%
- Net value / yr
- −$90 at $1,000/mo spend
- Break-even
- Never yearly spend to cover fees
Cashback and net value by stake
| Stake | Tier | Cashback | Net value / yr |
|---|---|---|---|
| $0 you Basic (Midnight) | Basic (Midnight) | 0.0% | −$90 |
How this card scores
Same arithmetic as every card in the catalogue, with this card's numbers in:
| Cashback at your stake | 0.0% × $12,000 | +$0 |
| Yearly fees | annual $0 + 12 × $0 | −$0 |
| FX on 25.0% of spend | 3.0% × $3,000 | −$90 |
| Locked stake, 5.0% opportunity cost | $0 × 5.0% | −$0 |
| Net value per year | −$90 |
Fees in full
Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card. What this issuer charges to buy crypto with a card.
| Annual fee | $0 / yearMidnight (Basic) without a subscription; paid Level Up plans are in tiers1 source“Basic (previously Midnight) | N/A”[2] · help_center · captured 5 Sep 2026 |
| Monthly fee | — not disclosedUS prices of the Level Up plans are not on the captured pages |
| Card issuance | $4.99Physical Midnight card; Ruby US$29.99 for monthly subscribers under 6 months1 source“Physical Card Issuance Fee: Midnight: US$4.99”[1] · help_center · captured 5 Sep 2026 |
| Foreign transaction (FX) | 3.0%Midnight, Ruby, Jade, Indigo: 3%; Rose, Icy, Obsidian: no fee1 source“Midnight, Ruby, Jade, Indigo: 3% on all non-USD purchases and ATM withdrawals”[1] · help_center · captured 5 Sep 2026 |
| Crypto conversion / spread | — not disclosedThe crypto-to-USD conversion rate at top-up is not disclosed as a spread |
| ATM withdrawal | 2.0%Above the free monthly allowance: Midnight US$200, Ruby US$400, Jade/Indigo US$800, Icy/Rose and Obsidian US$1,000Free up to $200 / month1 source“ATM Withdrawal: 2% on amounts above the monthly free ATM limit”[1] · help_center · captured 5 Sep 2026 |
| Inactivity | $4.95 / month1 source“Inactivity: US$4.95 per month of inactivity will be charged after 12 months of no cardholder-initiated financial activity”[1] · help_center · captured 5 Sep 2026 |
| Card replacement | $7Midnight US$7; other tiers US$501 source“Midnight – US$7”[1] · help_center · captured 5 Sep 2026 |
| Top-up | 1.0%Debit card 1%, credit card 2.99%, PayPal 2.1%1 source“Debit – 1% Credit – 2.99% PayPal Top-Up: 2.1%”[1] · help_center · captured 5 Sep 2026 |
Reward tiers, as the issuer states them
| Tier | Requirement · rate · cap |
|---|---|
| Basic (Midnight) | 0.0% · None · Cap: none · Paid in CRO1 source“Basic (previously Midnight) | N/A”[2] · help_center · captured 5 Sep 2026 |
| Plus (Ruby) | 1.5% · Loyalty points · Cap: $750 / month of spend · Paid in CRO |
| Pro (Jade / Indigo) | 2.5% · Loyalty points · Cap: $1,500 / month of spend · Paid in CRO |
Limits
| Spend per month | — not disclosedUS POS limits were not extracted from the article |
| ATM per month | $5,000 / monthMidnight; Ruby and above US$10,0001 source“Daily: US$500 Monthly: US$5,000”[1] · help_center · captured 5 Sep 2026 |
What we could not find
These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.
- Monthly fee. US prices of the Level Up plans are not on the captured pages
- Crypto conversion / spread. The crypto-to-USD conversion rate at top-up is not disclosed as a spread
- Spend per month. US POS limits were not extracted from the article
Sources
2 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.
- help.crypto.com/en/articles/5966563-crypto-com-prepaid-visa-card-fees-and-limits-united-states · help_center · 6 Sep 2026
- help.crypto.com/en/articles/2742447-crypto-com-prepaid-visa-card-rewards-benefits · help_center · 5 Sep 2026
Report a wrong figure
Availability and terms by country
One row per country with a Cardefi hub, read from the issuer's own country lists. 1 countries are listed as available in total.
| Country | Status | Issuer / licence |
|---|---|---|
| United States | Availablechecked 5 Sep 2026 |
Questions about this card
Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.
- What does Crypto.com Prepaid Visa Card (US) charge on foreign currency?
- Crypto.com Prepaid Visa Card (US) adds 3.0% on transactions in a currency other than the account currency.
- Does Crypto.com Prepaid Visa Card (US) charge an annual fee?
- The annual fee for Crypto.com Prepaid Visa Card (US) is $0.
- What does Crypto.com Prepaid Visa Card (US) charge at an ATM?
- Crypto.com Prepaid Visa Card (US) charges 2.0% on ATM withdrawals. The ATM operator may add its own fee on top.
- Who holds the funds behind Crypto.com Prepaid Visa Card (US)?
- The issuer does. Spending on Crypto.com Prepaid Visa Card (US) draws on a balance held by the provider, not in a wallet you control.
- Does Crypto.com Prepaid Visa Card (US) require identity verification?
- Yes. Crypto.com Prepaid Visa Card (US) requires full identity verification before the card can be used.
Crypto.com Prepaid Visa Card (US)Open at Crypto.com