Crypto.com Visa Card

Crypto.com · Visa · prepaid · Custodial · metal

30 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, Crypto.com Visa Card nets −$60 a year; with $523 in CRO locked, +$154 a year. According to Cardefi data, 7 of 12 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: $523
Annual fee: $0
FX fee: 2.0%
Net value / yr: −$60
Break-even: Never

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Midnight Blue	Midnight Blue	0.0%	−$60
$523 Ruby Steel	Ruby Steel	2.0%	+$154
$522,633 Obsidian	Obsidian	5.0%	−$25,592

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	2.0% × $3,000	−$60
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		−$60

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 Blue is free; paid tiers are modelled as subscriptions in tiers 1 source “Subscription fee / Lockup \| Free”[2] · landing · captured 5 Sep 2026
Monthly fee	€0 / monthMidnight Blue — Free 1 source “Subscription fee / Lockup \| Free”[2] · landing · captured 5 Sep 2026
Card issuance	€4.99Physical Midnight card €4.99; Ruby €24.99 for monthly subscribers under 6 months, otherwise free; virtual card not stated 1 source “Physical Card Issuance: Midnight: €4.99”[3] · help_center · captured 5 Sep 2026
Foreign transaction (FX)	2.0%Midnight: 0.2% inside the EU and UK, 2.0% outside; other tiers free until 30 Sep 2026. From 1 Oct 2026: Ruby 0.2% inside EU/UK, outside free up to €400/month then 2.0% 2 sources “Midnight: All non-EUR purchases and ATM transactions will be charged as follows Other Card Tiers: No fee”[3] · help_center · captured 5 Sep 2026 “Outside the EU and UK 2.0%”[3] · help_center · captured 5 Sep 2026 · near-verbatim
Crypto conversion / spread	— not disclosedThe crypto-to-EUR conversion rate at card top-up is not disclosed as a spread
ATM withdrawal	2.0%2% above the free monthly allowanceFree up to €200 / month 1 source “ATM Withdrawal: 2% on amounts above the monthly free ATM limit”[3] · help_center · captured 5 Sep 2026
Inactivity	€5 / monthAfter 12 months without activity; €6 from 1 Oct 2026 1 source “Inactivity: €5 per month of inactivity will be charged after 12 months of no cardholder-initiated financial activity”[3] · help_center · captured 5 Sep 2026
Card replacement	€45.01Midnight €45.01; other tiers €50 1 source “Card Replacement Midnight - €45.01 Other Card Tiers - €50”[3] · help_center · captured 5 Sep 2026
Top-up	1.0%Top-up by debit or credit card 1% 1 source “Debit / Credit card top-up: 1%”[3] · help_center · captured 5 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Midnight Blue	0.0% · None · Cap: none · Paid in CRO 2 sources “CRO Rewards1 on Everyday Spending \| 0% \| 2% \| 3% \| 4% \| 5%”[2] · landing · captured 5 Sep 2026 “Basic (previously Midnight) \| N/A”[4] · help_center · captured 5 Sep 2026
Ruby Steel	2.0%sources disagree · €450 in CRO, 365-day lock (≈ $523 at 6 Sep 2026) · Cap: $25 / month of rewards · Paid in CROCap conflicts between sources: $25 of rewards per month (landing), about $1,250 of spend at 2%; the rewards article says $750 of spend 5 sources “€3.99/month or €39.90 yearly (16% off) or €450 12-month CRO staking”[2] · landing · captured 5 Sep 2026 “CRO Rewards1 on Everyday Spending \| 0% \| 2% \| 3% \| 4% \| 5%”[2] · landing · captured 5 Sep 2026 “Plus (previously Ruby) \| 1.5% (Card rewards apply to your first USD 750 or equivalent local currency in qualifying monthly purchase)”[4] · help_center · captured 5 Sep 2026 · disagrees with the value shown “Monthly Rewards Cap \| N/A \| $25 \| $75 \| No limit \| No limit”[2] · landing · captured 5 Sep 2026 “Monthly Spending Cap Eligible for Rewards* USD or the equivalent amount in other fiat currencies \| N/A \| Prepaid Card: $1,250 \| Prepaid Card: $2,500 \| Unlimited”[3] · help_center · captured 5 Sep 2026 · disagrees with the value shown
Jade Green / Royal Indigo	3.0%sources disagree · €4,500 in CRO, 365-day lock (≈ $5,226 at 6 Sep 2026) · Cap: $75 / month of rewards · Paid in CRO 3 sources “€24.99/month or €249.90 yearly (16% off) or €4,500 12-month CRO staking”[2] · landing · captured 5 Sep 2026 “Pro (previously Jade/Indigo) \| 2.5% (Card rewards apply to your first USD 1,500 or equivalent local currency in qualifying monthly purchase”[4] · help_center · captured 5 Sep 2026 · disagrees with the value shown “Monthly Rewards Cap \| N/A \| $25 \| $75 \| No limit \| No limit”[2] · landing · captured 5 Sep 2026
Icy White / Rose Gold	4.0%sources disagree · €45,000 in CRO, 365-day lock (≈ $52,263 at 6 Sep 2026) · Cap: none · Paid in CRO 2 sources “€45,000 12-month CRO staking”[2] · landing · captured 5 Sep 2026 “Card rewards apply to first $3,000, 0.5% thereafter”[4] · help_center · captured 5 Sep 2026 · disagrees with the value shown
Obsidian	5.0%sources disagree · €450,000 in CRO, 365-day lock (≈ $522,633 at 6 Sep 2026) · Cap: none · Paid in CRO 2 sources “€450,000 12-month CRO staking”[2] · landing · captured 5 Sep 2026 “Card rewards apply to first $5,000, 1% thereafter”[4] · help_center · captured 5 Sep 2026 · disagrees with the value shown

Limits

Spend per month	€25,000 / month 1 source “POS Purchase Limit (Includes All In-Store and Online Purchases) – All Card Tiers Daily limit: €25,000 Monthly limit: €25,000”[3] · help_center · captured 5 Sep 2026
ATM per day	€2,000 / day 1 source “Daily: €2,000 Monthly: €10,000 Yearly: €75,000”[3] · help_center · captured 5 Sep 2026
ATM per month	€10,000 / month 1 source “ATM withdrawals cap \| €10,000”[2] · landing · captured 5 Sep 2026
Max balance	€25,000 1 source “Card Max Balance – All Card Tiers €25,000”[3] · 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.

Crypto conversion / spread. The crypto-to-EUR conversion rate at card top-up is not disclosed as a spread

Sources

4 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

help.crypto.com/en/articles/6870962-pay-on-ramp-buy-crypto-with-cards · help_center · 6 Sep 2026
crypto.com/eea/cards · landing · 5 Sep 2026
help.crypto.com/en/articles/5977463-crypto-com-visa-card-fees-and-limits-europe · help_center · 5 Sep 2026
help.crypto.com/en/articles/2742447-crypto-com-prepaid-visa-card-rewards-benefits · help_center · 5 Sep 2026

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Access & funding

Regions: 30 countries
KYC: full
Top-up: Crypto, Card, SEPA
Fiat: EUR
Assets: CRO, BTC, ETH, USDC, + app assets
Form: virtual + physical
Wallets: —

Risks to know

Stake value can drop. Tiers are set in CRO; the USD figures here are as of 6 Sep 2026.
Custodial. The issuer holds your funds; check its licence below.

Who is behind the card

Brand / programme: Crypto.com
Infrastructure: — not disclosed
Issuer of record: Foris MT Limited (MT)
Licence: Visa Principal Member (Issuing); MFSA · C 90348
Network: Visa
Custody: Custodial · emi safeguarding

1 source

“Prepaid Visa Card is issued and promoted by Foris MT Limited pursuant to its Visa Principal Member (Issuing) license.”[2] · landing · captured 5 Sep 2026

Status

Now: Live

“Get your Crypto.com Visa Card in a few steps”crypto.com · captured 5 Sep 2026

Where you can get it

EEA: 30 countries: AT, BE, BG, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IE, IT, LV, LT, LU, MT, NL, PL, PT, RO, SK, SI, ES, SE, IS, LI, NO

1 source

“Cards in EUR”crypto.com · landing · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 7 of 12 key figures verified, 1 not disclosed, 4 where sources disagree
Confidence: B official sources only
Disclosure: help center
Source: crypto.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 30 countries are listed as available in total.

Country	Status	Issuer / licence
Germany	Availablechecked 5 Sep 2026	Foris MT Limited
Spain	Availablechecked 5 Sep 2026	Foris MT Limited
Ireland	Availablechecked 5 Sep 2026	Foris MT Limited
Netherlands	Availablechecked 5 Sep 2026	Foris MT Limited
Portugal	Availablechecked 5 Sep 2026	Foris MT Limited
Poland	Availablechecked 5 Sep 2026	Foris MT Limited
Greece	Availablechecked 5 Sep 2026	Foris MT Limited
Sweden	Availablechecked 5 Sep 2026	Foris MT Limited
Czechia	Availablechecked 5 Sep 2026	Foris MT Limited
Austria	Availablechecked 5 Sep 2026	Foris MT Limited
Belgium	Availablechecked 5 Sep 2026	Foris MT Limited
Cyprus	Availablechecked 5 Sep 2026	Foris MT Limited
Latvia	Availablechecked 5 Sep 2026	Foris MT Limited
Slovakia	Availablechecked 5 Sep 2026	Foris MT Limited
Croatia	Availablechecked 5 Sep 2026	Foris MT Limited
Bulgaria	Availablechecked 5 Sep 2026	Foris MT Limited
Estonia	Availablechecked 5 Sep 2026	Foris MT Limited
Liechtenstein	Availablechecked 5 Sep 2026	Foris MT Limited
Norway	Availablechecked 5 Sep 2026	Foris MT Limited
Hungary	Availablechecked 5 Sep 2026	Foris MT Limited
Iceland	Availablechecked 5 Sep 2026	Foris MT Limited

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 Visa Card charge on foreign currency?: Crypto.com Visa Card adds 2.0% on transactions in a currency other than the account currency.
Does Crypto.com Visa Card charge an annual fee?: The annual fee for Crypto.com Visa Card is $0.
How much cashback does Crypto.com Visa Card pay?: Crypto.com Visa Card pays up to 5.0%, which is the highest rate any of its tiers reaches.
Does Crypto.com Visa Card require a stake?: The lowest tier of Crypto.com Visa Card that requires a stake is Ruby Steel, at $523, and it pays 2.0%.
What does Crypto.com Visa Card charge at an ATM?: Crypto.com Visa Card charges 2.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Crypto.com Visa Card?: The issuer does. Spending on Crypto.com Visa Card draws on a balance held by the provider, not in a wallet you control.
Does Crypto.com Visa Card require identity verification?: Yes. Crypto.com Visa Card requires full identity verification before the card can be used.