Crypto.com Card Review 2026: Cashback After the Cuts
By Matt Published Updated Numbers verified
On this page
The short version: the Crypto.com Visa works, and the cashback is real — but it’s a much smaller deal than the marketing implies, it’s paid in a volatile token, and you only get it if you pay a subscription or lock CRO. If you already hold CRO, it’s a sensible loyalty perk (for the mechanics behind any crypto card, see how crypto cards work). If you’d be buying CRO just to chase cashback, it’s hard to recommend as of June 2026.
Three things shape that verdict. The headline rates were cut from a 1%–8% range to 0%–2% effective June 1 2022 and have only partly recovered. The reward token, CRO, traded around 93% below its November 2021 high in mid-2026, so a “5%” rebate is worth whatever the token does between earning and selling. And there are really two cards here — an uncapped US credit card and a capped EU/UK prepaid card — that most reviews blur together.
A quick note on independence: Crypto.com is not a referral partner of this site, so there’s no affiliate link anywhere on this page and nothing here is steering you toward a signup (here’s how we make money on the cards we do partner with). The brand name links to its official site and nowhere else. I checked these numbers myself on June 13 2026.
0%–5%
Prepaid cashback (EEA/UK)
paid in CRO; US credit card runs higher, uncapped
$25-$75/mo
EEA cashback cap
Ruby/Jade-Indigo; only top tiers uncapped
12 months
CRO lockup, or subscribe
unlock by stake or subscription
~93%
CRO below its 2021 high
the token every rebate is paid in
| Card | Crypto.com Visa — Visa prepaid |
|---|---|
| Custody | Custodial — the issuer holds the funds |
| Cashback | 0%-5% paid in CRO on the prepaid Visa (EEA), tiered by CRO lockup or Level Up subscription; the separate US Visa Signature credit card pays up to 6.5% intro / 5% ongoing in CRO. Rewards float with CRO price. (cap: EEA prepaid: monthly cashback capped at $25 (Ruby) / $75 (Jade-Indigo), uncapped at Icy/Rose and Obsidian - i.e. additional spend earns nothing past ~$1,250 (Ruby) or ~$2,500 (Jade) per month. The US credit card is uncapped at every tier.)
|
| Availability |
|
| EEA prepaid top-up / spend | EUR 25,000/day, EUR 25,000/month, EUR 250,000/year |
| US prepaid spend (Midnight) | $10,000/day, $15,000/month |
| US prepaid spend (Ruby / Indigo-Jade / Icy-Rose / Obsidian) | $25,000/day, $25,000/month |
| EEA free monthly ATM (Midnight) | EUR 200, then 2% |
| EEA free monthly ATM (Ruby) | EUR 400, then 2% |
| EEA free monthly ATM (Jade/Indigo) | EUR 800, then 2% |
| EEA free monthly ATM (Icy/Rose) | EUR 800, then 2% |
| EEA free monthly ATM (Obsidian) | EUR 1,000, then 2% |
| US free monthly ATM (Midnight) | $200, then 2% |
| US free monthly ATM (Ruby) | $400, then 2% |
| US free monthly ATM (Indigo/Jade) | $800, then 2% |
| US free monthly ATM (Icy/Rose/Obsidian) | $1,000, then 2% |
| EEA Ruby cashback cap | $25/month (~$1,250 eligible spend) |
| EEA Jade/Indigo cashback cap | $75/month (~$2,500 eligible spend) |
| Minimum top-up (EEA) | EUR 20 |
| CRO lockup period (all tiers) | 12 months |
| Program status | Live |
Two corrections most Crypto.com reviews get wrong
Every rate, fee and cap below traces to Crypto.com’s own cards page, Level Up page or help-center fee schedules, checked on June 13 2026.
First, there is no 8% card. Several ranking reviews assert a “Prime” tier paying 8% for a ~$1,000,000 CRO stake; it appears nowhere with a rate on Crypto.com’s official tier tables, which top out at Obsidian/Private at 5%. Second, most reviews quote a 180-day lockup — that’s the legacy figure. The current Level Up lock is 12 months. Getting those two right is the difference between a useful review and a copied one.
Why I’m holding the score for now
A single number would be misleading here, because the answer depends so heavily on which product you can get and whether you already hold CRO. The same brand offers an uncapped US credit card and a capped EU/UK prepaid card, and the “real reward value” swings from decent to poor depending on the CRO price on the day you cash out. A numbered score is coming once it’s signed off — I won’t average that region-and-token swing into one friendly-looking digit before it’s captured fairly.
Who it’s for — and who should skip it
This card fits one person cleanly: someone who already holds CRO and spends in a region where Crypto.com operates. If you’re sitting on CRO anyway, locking some of it (or paying ~$50/yr) to turn everyday spending into 2–3% back is a reasonable loyalty perk, and the card is reliable in daily use.
It fits a US spender better than a European one, because the US Visa Signature credit card is uncapped at every tier while the EU/UK prepaid card throttles its mid tiers with monthly caps.
Skip it, or think twice, if any of these is you:
- You’d be buying CRO purely for the cashback. You’d be locking a volatile token for 12 months to chase a capped rebate paid in that same token — the most-repeated warning across 2026 reviews, and a fair one.
- You spend a lot on the EU/UK card. Ruby caps at $25/mo of cashback (
$1,250 of eligible spend) and Jade/Indigo at $75/mo ($2,500). Past that, you earn nothing on the overage. - You want simple, fiat cashback. Rewards arrive only in CRO, in a custodial in-app wallet — never as cash or a stablecoin — so the real value floats with the token.
- You travel and won’t hold a top tier. “0% FX” is tier-gated. Entry tiers still pay foreign-transaction fees (more below).
- You need responsive support, or strong recourse. Slow support is the durable complaint, and in the UK the Financial Ombudsman Service and FSCS do not cover claims against the firm.
Two cards, one brand — figure out which you’re getting first
Before any number, sort out which product applies to you, because they behave very differently:
- United States — a Visa Signature credit card. Issued by Comenity Capital Bank under a Bread Financial program, launched to US customers in summer 2025. Rewards are uncapped at every tier and run from 1.5% up to a 5–6% intro rate (Doctor of Credit reports a 6.5% top tier), paid in CRO. (There’s also a separate USD-denominated US prepaid Visa, requestable in-app, issued by Community Federal Savings Bank, Member FDIC.)
- EEA and UK — a Visa prepaid card. Issued by Foris MT Limited (Malta) in the EEA and ForisGFS UK Limited in the UK — both e-money institutions, not banks. It’s reloadable — you top it up, it isn’t linked to a bank account — and cashback runs 0% to 5% with monthly caps on the lower tiers.
The custody model is the same on both: this is a custodial product. Your CRO lockup is held by Crypto.com, and reward CRO lands in the Crypto.com app’s custodial wallet — you don’t hold the keys. Self-custodial cards like ether.fi Cash or Gnosis Pay work the other way, which is worth knowing if custody is part of why you’re shopping.
How the rewards actually work: stake, subscribe, or earn nothing
Here’s the rule that catches people, and the biggest change since the 2025 overhaul: since the Level Up revamp on September 2 2025, a cashback tier is unlocked by either a paid subscription or a 12-month CRO lockup. Do neither and you sit at the Basic/Midnight tier earning 0%. If a subscription lapses or a lockup ends, cashback drops to 0% immediately. Legacy holders who never migrated can silently sit at 0% too.
So the “free” entry card earns nothing. To get a rate you choose one of two costs:
- A Level Up subscription — cancel-anytime, no token risk, but a flat recurring fee. In the UK that’s GBP 3.99/mo (or 39.90/yr) for the Plus/Ruby tier and GBP 24.99/mo (or 249.90/yr) for Pro. The EEA lists EUR equivalents.
- A 12-month CRO lockup — no subscription fee, but you tie up a volatile token for a year (the lock is 365 days, then an unbonding period with no rewards before the CRO frees up), and a price drop can cost you more than the cashback returns.
Reviewers’ pragmatic verdict is consistent: the Plus/Ruby tier (~$50/yr, 2%) is the pragmatic pick for most people because it pays for itself at modest spend, while Pro only starts to pay off above roughly $2,100–$2,500/month, right where the cap bites. That’s reviewer consensus, not a guarantee, but the cap math below backs it up.
What the rate is worth after the caps (EEA/UK)
The EEA/UK tiers are 0% (Midnight Blue), 2% (Ruby Steel), 3% (Jade Green/Royal Indigo), 4% (Icy White/Rose Gold) and 5% (Obsidian). The exact stake-or-subscribe conditions per tier render in the cashback section of the key-facts table above.
The buried catch is the monthly cashback cap on the two most popular tiers. Ruby caps at $25/mo of cashback, Jade/Indigo at $75/mo, so the effective rate falls as you spend more. A Pro/Jade cardholder spending $4,000 in a month earns the $75 cap, not 3% of $4,000 — an effective rate closer to 1.9%. Only Icy/Rose and Obsidian are uncapped. The US credit card, by contrast, is uncapped at every tier.
There is no 8% “Prime” card
Searchers keep asking about an 8% tier because several reviews invented one — a “Prime” card paying 8% uncapped for a ~$1,000,000 CRO stake. It is not on Crypto.com’s official EEA cards page, Level Up page or US tier tables, and the EEA page explicitly states there’s no tier above Obsidian. The only “Crypto.com Prime” that exists is an invitation-only membership for high-net-worth investors (a roughly US$1,000,000 eligible-asset minimum, granted at Crypto.com’s discretion) — zero trading fees, trade rebates, up to 5x margin — and it has nothing to do with card cashback. The real prepaid ceiling is 5%.
The US credit card: higher headline, with an intro cliff
The US Visa Signature credit card is the more generous product — uncapped, paid in CRO — but its headline rates are intro rates for the first 12 months from account-open or tier-upgrade, dropping to a lower ongoing rate after. Midnight is 1.5% flat (no lockup, and not eligible for the first-year boost); the boosted tiers run from Ruby (2.5% intro / 2% ongoing) up to Obsidian (a reported 6.5% intro / 5% ongoing, on a reported $500,000 CRO stake), with Jade reported at a $5,000 stake. One caveat on that ceiling: the 6.5% intro figure (and the $500,000 stake) comes from Doctor of Credit — Crypto.com’s own announcement and Level Up help pages cite up to 5–6%. The first-year boost requires a 12-month CRO lockup.
One caveat I’m flagging rather than asserting: a reader report on Doctor of Credit cautions that the top 6.5% rate “might only be on select categories” rather than all purchases. That isn’t confirmed against the Comenity card agreement, so don’t bank on 6.5% on everything.
A US starter bonus ran during the launch window (Sept 2 to Dec 31 2025; $100–$2,500 in CRO by tier after a spend target) — but that offer has expired, so I won’t frame it as a current reason to apply. The Jade/Indigo bonus was also reported inconsistently ($300 on the official page vs $500 on Doctor of Credit), another reason not to plan around it.
Fees: no card fee, but watch FX and the quiet inactivity charge
There’s genuinely no sign-up fee and no annual card fee. The real costs are the subscription or lockup above, plus a handful of per-event fees that competitors tend to skip.
Two of those fees deserve naming because the marketing glosses them:
- “0% FX” is tier-gated. On the EEA prepaid card, the entry Midnight tier pays 0.2% within the EU/UK and 2.0% outside it; other tiers pay none. On the US prepaid card it’s worse at the bottom — Midnight, Ruby and Indigo/Jade pay a flat 3% on non-USD purchases and ATM withdrawals, with only Icy/Rose and Obsidian fee-free. So foreign spending is free only if you hold a top tier.
- An inactivity fee bites dormant cards. EUR 5/mo (EEA) or $4.95/mo (US prepaid) kicks in after 12 months with no cardholder-initiated activity. In the EEA it stops and the clock resets once you transact again — but it’s a quiet drain on a card you tried and parked.
On funding, crypto top-ups are the fee-free path; card top-ups cost 1% (debit/credit in the EEA, debit in the US), a US credit-card top-up costs 2.99%, and PayPal costs 2.1%.
See the full fee schedule Every published fee line, with its source and the date checked. The numbers that decide it are in the key-facts table up top.
| Card sign-up / annual fee | None Reviews consistently report no sign-up fee and no annual card fee; the real costs are the optional Level Up subscription, the 12-month CRO lockup opportunity cost, and the per-event fees below (ATM/top-up/FX/inactivity). marketplacefairness.org; corroborated by the EEA fee article (help.crypto.com art. 5977463). Checked 2026-06-13. |
|---|---|
| EEA prepaid top-up fee | 1% debit/credit card; crypto top-ups no stated fee Minimum top-up EUR 20. Crypto top-ups are the fee-free funding path. help.crypto.com 'Crypto.com Prepaid Visa Card Fees and Limits (Europe)' (art. 5977463). Checked 2026-06-13. |
| US prepaid top-up fee | Debit 1%, credit 2.99%, PayPal 2.1%, ACH free US-prepaid product (separate from the US credit card); fee page last updated 2025-12-05. Crypto/ACH transfer is the cheap/free funding path. help.crypto.com 'Crypto.com Prepaid Visa Card Fees and Limits (United States)' (art. 5966563). Checked 2026-06-13. |
| EEA prepaid FX / foreign-transaction fee | Midnight only: 0.2% within EU/UK, 2.0% outside EU/UK; other tiers 0% Effective 2025-09-02. The entry Midnight (Basic) card is no longer fee-free abroad; higher tiers carry no FX fee. help.crypto.com 'Crypto.com Prepaid Visa Card Fees and Limits (Europe)' (art. 5977463). Checked 2026-06-13. |
| US prepaid FX / foreign-transaction fee | 3% (non-USD) for Midnight/Ruby/Indigo-Jade; 0% for Icy/Rose and Obsidian Applies to non-USD purchases AND ATM withdrawals. Contrary to '0% FX' marketing, the lower three tiers pay 3%; only Rose/Icy/Obsidian are fee-free. help.crypto.com 'Crypto.com Prepaid Visa Card Fees and Limits (United States)' (art. 5966563), as-of 2025-12-05. Checked 2026-06-13. |
| ATM withdrawal fee (above free limit) | 2% above the free monthly allowance (both EEA and US prepaid) ATM-provider surcharges count toward the free allowance (EEA). Free monthly allowances are tiered - see limits. help.crypto.com art. 5977463 (Europe) and art. 5966563 (United States, as-of 2025-12-05). Checked 2026-06-13. |
| Inactivity fee | EUR 5/mo (EEA) or $4.95/mo (US prepaid) after 12 months of no cardholder-initiated activity Charged after 12 months with no cardholder-initiated financial activity; in the EEA it stops and the 12-month clock resets once activity resumes. A quiet drain on dormant cards. help.crypto.com art. 5977463 (Europe) and art. 5966563 (United States, as-of 2025-12-05). Checked 2026-06-13. |
| EEA account closure / card replacement | Account closure EUR 50; card replacement ~EUR 45-50 help.crypto.com 'Crypto.com Prepaid Visa Card Fees and Limits (Europe)' (art. 5977463). Checked 2026-06-13. |
| Level Up subscription (alternative to CRO lockup) | Plus and Pro tiers carry a monthly/annual subscription; Basic is free Since the 2025-09-02 Level Up revamp a tier is unlocked by EITHER a paid subscription OR a CRO lockup ('stake or subscribe'). Subscription PRICE differs by region - see unverified (UK Plus GBP 3.99/mo or 39.90/yr, Pro GBP 24.99/mo or 249.90/yr; US/global cited as Plus $4.99/mo or 49.90/yr, Pro $29.99/mo or 299.90/yr). EEA cards page also lists EUR equivalents (Ruby EUR 3.99/mo or 39.90/yr; Jade/Indigo EUR 24.99/mo or 249.90/yr). crypto.com/levelup; crypto.com/eea/cards. Checked 2026-06-13. |
Cashback: real, conditional, and paid in a token that’s fallen hard
The most important fact about the cashback isn’t the percentage — it’s the currency. Every rebate is paid in CRO (Cronos), credited to your custodial in-app wallet, never in fiat or a stablecoin. So the real value of any headline rate depends on what CRO does between earning and selling.
That backdrop isn’t kind. CRO traded around 93% below its November 2021 all-time high in mid-2026. Stack that against a 12-month lockup and the math gets uncomfortable: if you lock CRO to reach a tier and the price falls 20% over the year, the drop on your staked capital can outweigh a year of 2–3% rebates. A 40% drop wipes the rebate out entirely and then some. The cashback is reliably paid; whether it’s reliably worth what the percentage suggests is the open question, and the reason “is Crypto.com a scam?” threads are usually really about the token, not the product.
The honest read: if you already hold CRO, this is incremental value on a position you have anyway. If you’d be buying CRO to chase 4–5%, run the break-even — you’re making an investment decision dressed up as a cashback card.
They’ve taken back perks people signed up for
Part of the durable resentment toward this card is a pattern of retroactive removals, and it’s worth naming because most reviews report each event in isolation:
- June 1 2022: card rates cut from a 1%–8% range to 0%–2%; the old 8% top rate was eliminated and separate CRO staking rewards were phased out as each holder’s 180-day staking period ended. CRO fell ~11% in 24 hours on the news, and the CEO partly walked the cut back later that month after backlash.
- November 2 2025: for legacy Icy/Rose and Obsidian prepaid holders, Expedia, Airbnb, X and Amazon Prime rebates were discontinued — and the non-staking 1% (Icy/Rose) and 2% (Obsidian) spending rewards on cards issued before November 6 2024 were removed. Perks people already had, taken away.
What remains on the rebate side is mainly Spotify and Netflix (up to $13.99/mo in CRO) and Truth+ (up to $9.95/mo, added November 13 2025). I’d re-verify those exact amounts against the live help article before relying on them.
Availability: 100+ markets, two regional products, limited UK recourse
Crypto.com’s app and card services are supported in 100+ markets, with New York named as excluded; availability is staged and changes with local regulation. The flagged region detail is in the key-facts table above — but the part that matters most is which card each region gets, covered earlier: US credit (Comenity/Bread), EEA prepaid (Foris MT), UK prepaid (ForisGFS).
The recourse footnote is the one to internalize if you’re in the UK: the FCA cryptoasset register entry for Foris DAX UK Limited notes that the Financial Ombudsman Service and the FSCS will not cover complaints or claims against the firm. Combined with the support complaints below, that means limited external recourse if something goes wrong — weigh it before you load real money on.
Where it falls short
Support is the recurring complaint. Crypto.com’s brand-wide Trustpilot profile sits at 1.4/5 (“Bad”) across roughly 9,200 reviews as of June 2026 — but that’s a brand-wide exchange/app score, not a card-specific rating, and impersonation profiles exist, so treat it as sentiment, not a verdict on the card. The consistent theme across reviews and threads is slow support: chat and tickets reportedly unanswered for weeks to months, plus account freezes driven by anti-money-laundering checks, repeated KYC document requests, and “Declined by Issuer” errors on larger everyday spend.
The rewards are conditional in several directions at once. You earn 0% without a subscription or lockup; the EU/UK mid tiers are capped at $25/$75 a month; everything is paid in volatile CRO; and the US headline rate is an intro rate that needs a lockup and may be category-limited. The “up to 5%” headline only survives if you stake, stay under the cap, and CRO holds its price — three ifs the marketing drops.
The token risk is structural, not incidental. Beyond the ~93% drawdown, Cronos governance re-issued roughly 70 billion previously-burned CRO into a “Strategic Reserve” in early 2025 — over heavy community-vote opposition — that vests monthly for years, adding ongoing dilution pressure to the token every rebate is paid in. I’d verify the governance specifics before treating them as settled, but the direction is a fair concern.
A 12-month lock with an unbonding tail and unclear demotion rules. The lock is a full year, then an unbonding period with no rewards before the CRO frees up. Whether a CRO price drop during the lock can demote your tier isn’t pinned to a primary T&C — reviewers note tiers peg to a fiat-equivalent CRO value at lockup, so confirm the tier-maintenance rule before you rely on staying put.
The genuine positives, to be fair: there’s no annual or monthly card fee, the app and UI are widely praised, onboarding is often fast, and the airport-lounge access on higher tiers is the perk loyalists defend most. For an existing CRO holder, the card does what it says.
How it compares
The most useful frame is against the two self-custodial cards I’ve reviewed — because the headline contrast is custody. Crypto.com is custodial; both of these keep your money in a wallet you control. It’s also worth seeing them alongside the rest of the cards I’ve reviewed.
- ether.fi Cash is a self-custodial Visa credit card that spends against a Safe vault, paying up to 3% cashback in wETH and letting you borrow against staked ETH at 4% APY. You hold the keys; Crypto.com holds yours. ether.fi’s rewards are in a single token too, but there’s no subscription gate and no 12-month lock to earn them.
- Gnosis Pay is a self-custodial Visa debit card that spends stablecoins 1:1 from your own Safe, with cashback in GNO. Like Crypto.com it pays in a volatile token, but it’s free to order, adds no FX markup of its own, and doesn’t require staking to get a baseline rate.
- Nexo is the other custodial, token-gated card I’ve reviewed — but where Crypto.com gates rewards behind a CRO stake or subscription, Nexo gates them behind a margin loan: its cashback is earned only by borrowing against your crypto.
- Coinbase is the other big-exchange custodial card — a Visa debit plus an Amex-network credit card paying up to 4% in Bitcoin, but with rewards gated by your assets on Coinbase and a paid membership rather than a CRO stake.
Where Crypto.com wins is reach (100+ markets, a US credit card option) and brand familiarity. Where it loses is custody, the subscription-or-lock gate, the EU/UK caps, and a reward token that’s fallen hard. If keeping your own keys matters to you, start with the other two. Full head-to-heads: vs ether.fi, vs Gnosis Pay, vs Coinbase, and vs Nexo, and it appears in our roundup of the best crypto cards.
The verdict
The Crypto.com card is a reliable product wrapped around a much smaller cashback story than its marketing suggests. The headline rates were cut years ago and only partly restored, you only earn them by paying a subscription or locking a volatile token for a year, the EU/UK card caps its popular tiers at $25–$75 a month, and every rebate is paid in CRO — a token down roughly 93% from its 2021 high — all as of June 2026.
Treat the marketing as the best case and these caveats as the deal: 0% unless you stake or subscribe; EU/UK caps that gut the mid tiers; US headline rates that are intro-only and possibly category-limited; rewards paid in a falling token; and limited recourse if support stalls.
My read, in three rules:
- Don’t buy CRO just for the cashback — run the break-even, and remember a price drop during the 12-month lock can outweigh the rebate.
- Know which card you’re getting — uncapped US credit vs capped EU/UK prepaid; the numbers don’t transfer between them.
- There’s no 8% “Prime” card — plan around 5% on the prepaid card and a 5–6% intro on the US credit card, not a tier that doesn’t exist.
One safety note: phishing sites impersonate crypto card brands constantly, and Crypto.com has known impersonation domains. Get to it from a link you trust or type crypto.com yourself.
Crypto.com: questions people actually ask
- Is the Crypto.com card worth it in 2026?
- For most people, no — but it's a fair loyalty perk if you already hold CRO. The headline rates were cut from a 1%–8% range to 0%–2% effective June 1 2022, you now earn 0% unless you pay a Level Up subscription or lock CRO for 12 months, and the EEA prepaid card caps cashback at $25/mo (Ruby) or $75/mo (Jade/Indigo). Reviewers' pragmatic pick is the ~$50/yr Plus/Ruby tier at 2%, as of June 2026.
- Is there an 8% cashback tier on the Crypto.com card?
- No. Several third-party reviews claim a 'Prime' card tier at 8% cashback requiring a ~$1,000,000 CRO stake, but it does not appear with any rate or stake on Crypto.com's official cards or Level Up pages, which top out at Obsidian/Private at 5% (EEA/UK prepaid) as of June 2026. The only 'Crypto.com Prime' that exists is a separate invitation-only membership for high-net-worth traders — it has nothing to do with card cashback. The real ceiling is 5% on the prepaid card; Crypto.com's own pages cite up to 5–6% intro on the US credit card, with Doctor of Credit reporting a 6.5% top tier.
- How much cashback does the Crypto.com card actually pay?
- On the EEA/UK prepaid Visa it is 0% to 5%, set by tier: 0% (Midnight Blue), 2% (Ruby Steel), 3% (Jade Green/Royal Indigo), 4% (Icy White/Rose Gold) and 5% (Obsidian), as of June 2026. The 2% and 3% tiers are capped at $25/mo and $75/mo of cashback respectively — spend past roughly $1,250 or $2,500 a month and you earn nothing more. The separate US Visa Signature credit card is uncapped at every tier and pays more — Crypto.com cites up to 5–6% intro, with Doctor of Credit reporting a 6.5% top tier / 5% ongoing. All rewards are paid in CRO.
- What is the Crypto.com card CRO lockup period?
- Twelve months on every paid tier, as of June 2026. To unlock a paid cashback tier without a subscription you lock CRO for 365 days; the CRO can only be unstaked in full after the period ends, and an unbonding window then applies before the tokens are spendable. The legacy figure many users remember — 180 days — no longer applies. If you'd rather not lock a volatile token, the Level Up subscription is the cancel-anytime alternative.
- Are Crypto.com card rewards paid in cash or crypto?
- In crypto — specifically CRO (Cronos), credited to your in-app custodial Crypto.com wallet, never in fiat or a stablecoin, as of June 2026. That matters: the real value of a '5%' rebate floats with CRO's price between when you earn it and when you sell. CRO traded roughly 93% below its November 2021 all-time high in mid-2026, so a headline rate in CRO can be worth far less by the time you cash out — and during a 12-month lockup, a falling price can erase the rebate against your staked capital.
- What is the difference between the Crypto.com US and EU/UK cards?
- They are two genuinely different products. In the US you get a Visa Signature credit card (issued by Comenity Capital Bank under a Bread Financial program) that pays uncapped CRO rewards from 1.5% up to a 5–6% intro rate (Doctor of Credit reports 6.5% at the top tier). In the EEA and UK you get a reloadable Visa prepaid card (issued by Foris MT in the EEA, ForisGFS in the UK) paying 0% to 5%, with $25/mo and $75/mo cashback caps on the lower tiers. Same brand, opposite mechanics on caps, funding and credit. A number you read for one does not apply to the other.