Crypto.com prepaid card review: seven tiers, one Visa

The Crypto.com prepaid card is one of the few crypto cards that is prepaid in the strict sense. You top up a separate fiat balance first, then spend it anywhere Visa works. Crypto.com’s own help centre calls it the “Visa Platinum Prepaid Card”, and its regional pages say plainly that the card is topped up rather than linked to a bank account. That makes it different from most exchange cards, which sell your coins at the moment you pay. If the distinction is new to you, our guide to debit vs prepaid crypto cards explains why it matters.

Our verdict on the Crypto.com prepaid Visa

We rank this card first in our overall list for one reason: reach. Few crypto cards have local issuers in the EEA, the UK, Australia, Canada and the US at the same time. Most people in those markets can get one, and the free tier costs nothing to hold outside the US.

The catch is that the headline numbers belong to the top of the ladder. The 4.5% CRO back, lounge access and permanent subscription rebates sit on tiers that need tens or hundreds of thousands in staked CRO. On the free tier you get a working prepaid Visa with a small free ATM allowance and no cashback at all. That is still useful, but it is a different product from the one in the adverts.

At a glance

Tiers: Midnight Blue to Obsidian

Crypto.com now groups its cards under “Level Up” plans. The official US card FAQ lists the current names as Midnight Blue (Basic), Ruby Steel (Plus), Jade Green or Royal Indigo (Pro), and Icy White, Frosted Rose Gold or Obsidian (Private). Jade and Indigo are the same tier in two colours, and so are Icy White and Frosted Rose Gold. Obsidian sits alone at the top.

You reach a tier in one of two ways. Ruby Steel and Jade Green or Royal Indigo can be reached with a monthly or annual subscription. Alternatively, you stake CRO for 12 months. The top two levels are stake-only. The amounts differ by region, as the EEA prices below show.

Other regions follow the same pattern in local currency. In the UK the plans cost £3.99 and £24.99 a month, with stakes of £400, £4,000, £40,000 and £400,000. In Australia it is AU$6.99 and AU$49.99 a month, with stakes from AU$700 up to AU$700,000. Canada charges CA$6.99 and CA$39.99 a month, with stakes from CA$650 to CA$650,000. A stake is locked for a year and CRO’s price can move a lot in that time, so think of the stake as an investment decision, not a card fee.

Is there a Crypto.com Emerald card?

People search for a “Crypto.com Emerald card” quite often, so we checked. As of October 2026, no Emerald tier appears on any official Crypto.com card page we reviewed: not the EEA, UK, Australian, Canadian or US pages. The green card in the line-up is Jade Green, which shares the Pro tier with Royal Indigo.

Fees and limits in the EEA, UK, Australia and Canada

Outside the US, the free tier carries no monthly charge. The costs show up elsewhere: in the spread when you convert crypto to fiat on top-up, and in ATM fees once you pass your free allowance. After the allowance, ATM withdrawals cost 2%. Our crypto card fee calculator lets you plug in your own numbers.

The EEA allowance runs from €200 a month on Midnight Blue to €1,000 on Obsidian, with an ATM cap of €10,000 a month and an aggregated top-up limit of €25,000 a month. The UK mirrors this at £180 to £900 free, capped at £9,000. Australia gives A$200 to A$1,000 free, with a A$10,000 ATM cap and a A$30,000 monthly top-up limit. Canada lists a C$15,000 monthly ATM cap and a C$35,000 top-up limit, but we could not confirm its free ATM amounts on the official page. If you rely on cash abroad, our ATM withdrawal guide covers how operator surcharges stack on top.

Top-ups can come from your Crypto.com crypto wallet, your fiat (Cash) account, or another debit or credit card. Crypto.com is clear that you cannot load cryptocurrency onto the card as such. Coins are sold into fiat at the moment of top-up. In Canada, the card runs in CAD only, and top-ups cannot be moved back to your Cash wallet. Our guide on how to load a crypto prepaid card walks through the order of steps.

US prepaid fee table (3% FX on lower tiers)

The US prepaid Visa has the most detailed fee schedule of any region, and it is less generous. Crypto.com’s help article (updated 1 September 2026) lists the following. Note that the US app is available in 49 states but not New York, and the prepaid card has narrower availability than the app and is not offered in US territories. For the wider US picture, see our USA country guide.

*The Ruby Steel card fee is waived for annual or six-month-plus subscribers and stakers. Other US limits apply across tiers: aggregated top-ups of $10,000 a day and $25,000 a month, and a maximum card balance of $25,000. Top-ups from another card start at $20 and are capped at $250 a day and $2,000 a month on Midnight Blue, or $1,000 a day and $5,000 a month on higher tiers. The inactivity fee rose from $4.95 to $5.95 a month on 1 September 2026, and it starts after 12 months with no activity.

Here is what that means in practice. Spend $1,000 abroad on Midnight Blue and the 3% FX fee costs you $30. Top up $500 with a credit card and you pay $14.95 before spending anything. Forget the card in a drawer for two years and the second year costs $71.40 in inactivity fees. None of this is hidden, but it is easy to miss if you only read the marketing page.

Who issues the card in each region

The card is not one global product. Each market has its own regulated issuer, and that affects which rules protect your balance. Here is what the official pages say.

Two quirks are worth knowing. First, the EEA page names Visa as the network, yet its own FAQ also refers to a “Crypto.com Prepaid Mastercard Card”, so the network for new EEA cards is not fully clear. Second, the US prepaid card’s issuing bank is not named on the official pages we checked. The separate US Visa Signature credit card is issued by Comenity Capital Bank, but that is a credit product, not this card. Residents of New Zealand can hold Australian-issued cards. If you are in Europe, our EU country guide lists the other cards that work under MiCA.

The EEA card covers a long list of countries. According to Crypto.com’s help centre, it includes Germany, France, Spain, Italy, the Netherlands, Poland, the Nordics, Switzerland and the UK, among others. Brazil availability has been reported in the press but we have not confirmed it on an official page.

Rewards: CRO back and spending caps

Outside the US, the prepaid card pays card rewards in CRO, Crypto.com’s own token. The rate depends on your tier, and every paid tier has a monthly spending cap. Above the cap, the rate drops sharply or to zero. This is the part most reviews skip.

Run the numbers on Ruby Steel. At 1.5% on a $750 cap, the most you can earn is about $11.25 of CRO a month. In the UK the plan costs £3.99 a month, so the reward covers the fee with some room to spare, but only if you spend the full cap every month. On Jade Green the cap is $1,500 at 2.5%, or about $37.50 a month, against a £24.99 or €24.99 subscription. The value is real but thinner than it looks.

Higher tiers add other perks. Crypto.com Travel bookings earn up to 5%, 20%, 25%, 30% or 40% back by tier. Ruby Steel gets three months of Spotify and Truth+ rebates. Jade and Indigo get six months of Spotify, Netflix and Truth+. Icy White and Obsidian keep those rebates permanently. Airport lounge access is limited to Jade and Indigo annual subscribers (two visits a year) and to Icy White and Obsidian. For a comparison with other reward cards, see our crypto cashback cards roundup.

Remember that rewards paid in a token carry price risk. A 2.5% reward is worth less if CRO falls before you sell it. Tax treatment also varies by country; our crypto card tax guide covers how the IRS, HMRC, CRA and ATO view spending and rewards.

Custody and safety

Crypto.com is a custodial app. Your coins sit in an account Crypto.com controls, and the card balance sits with the regional issuer as fiat e-money. That is the normal setup for exchange cards, and it has a clear upside: you can freeze the card in the app and dispute a charge through Visa’s rules. The downside is counterparty risk on the crypto side. In the UK, the card provider states that balances are safeguarded but not covered by the FSCS.

Onboarding requires full identity checks plus proof of residential address. There is no credit check. We think the prepaid structure is a quiet safety feature: if someone skims your card, they can only drain what is loaded on it, not your whole crypto portfolio. Our crypto card safety guide has more habits worth adopting.

How to get the card

1. 01
   Install the app and verify

   Sign up in the official Crypto.com app, upload ID and proof of address, and wait for approval.

2. 02
   Pick a tier

   Start on Midnight Blue for free, or choose a Level Up plan or CRO stake for a higher tier.

3. 03
   Get the virtual card

   A virtual card is issued first. Add it to Apple Pay and spend online right away.

4. 04
   Top up

   Load from your crypto wallet, fiat account or a bank card. Crypto converts to fiat at top-up.

5. 05
   Order the physical card

   Request plastic or metal in the app. Shipping and card fees depend on tier and region.

Pros and cons

Alternatives to the Crypto.com card

If you want lower FX in Europe, Nexo’s card is the obvious rival. If you hold stablecoins and want a simpler global card, KAST is worth a look. Bybit suits people who already trade on Bybit. In the US, the Coinbase Card is the closest like-for-like option, and we compare the two in detail in Crypto.com vs Coinbase Card. Our wider list of crypto prepaid Visa cards covers the rest.

Frequently asked questions

Sources and official pages

1. Crypto.com — EEA card page (tiers, fees, issuer)
2. Crypto.com — UK card page
3. Crypto.com — Australia card page
4. Crypto.com — Canada card page
5. Crypto.com Help — US prepaid Visa fees and limits
6. Crypto.com Help — about the Visa Platinum Prepaid Card
7. Crypto.com — US cards (tier names, credit card)

Ready when you are

Load your card with crypto you own

Buy Bitcoin, Ether or stablecoins with a bank card, Apple Pay or bank transfer, then move them to the card or wallet you choose.

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