- Supports USDT, CRO, BTC, and more
- Up to 8% cashback (with CRO staking)
- Perks like free Spotify and Netflix
- Accepted globally via Visa
- No annual fees
- Higher Tier enjoy Airport Lounge access
- Multiple card tiers for different needs
- CRO staking required for rewards
- Perks can be changed or reduced
- No support in some tiers
- Card not available in all countries
- Cashback paid in CRO (subject to price volatility)
💳 Crypto.com Visa Card — Full Review (2025)
🧾 What Is the Crypto.com Card?
The Crypto.com Visa Card is one of the most well-known and widely adopted crypto debit cards in the world. Issued by Crypto.com and backed by the Visa network, it allows users to spend USDT and other cryptocurrencies directly by converting them to fiat in real time at the point of sale. The card is available in multiple tiers, with each offering a unique set of benefits depending on the amount of CRO (Crypto.com’s native token) staked.
🌍 Availability & Access
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Available Regions: Most countries in Asia, Europe, Australia, and Canada
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Not available in: The USA (as of mid-2025), India, and some restricted territories
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Card Types: Virtual and physical versions, both supporting Apple Pay and Google Pay
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Application Process: Requires KYC verification; higher-tier cards require CRO staking
💸 Card Tiers & CRO Staking
The Crypto.com Visa Card comes in five main tiers:
| Tier | Stake Requirement | Cashback | Perks |
|---|---|---|---|
| Midnight Blue | $0 | 0% | Basic features only |
| Ruby Steel | $500 | 2% | Free Spotify (conditions apply) |
| Royal Indigo / Jade Green | $5,000 | 3.5% | Spotify + Netflix, LoungeKey™ Access |
| Frosted Rose Gold / Icy White | $50,000 | 5% | Additional perks, higher limits |
| Obsidian | $500,000 | 6.5% | Top-tier benefits, concierge services |
| Prime | $1,000,000 | 8% | Top-tier benefits, Private Account Suport |
Staked CRO must be locked for 6 months.
💵 Fees & Limits
| Fee / Limit | Details |
|---|---|
| Card Issuance | Free (depending on region) |
| Monthly Fee | None |
| ATM Withdrawal | Free up to a monthly limit, then ~2% |
| Crypto-to-Fiat Conversion | 0% (for supported tokens) |
| FX (foreign exchange) Fee | 0% up to monthly cap, then ~0.5%–1% |
| Re-issuance / Replacement | ~$7–$50 (depending on region) |
Note: Cashback is paid in CRO, not in USDT.
🎁 Rewards & Perks
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Spotify / Netflix rebates (on eligible tiers with CRO stake)
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Cashback on all spending – 0% to 5%, depending on tier
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Airport lounge access via LoungeKey™ (select tiers)
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Bonus incentives during promotional periods
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No annual fees, and no interest charges (not a credit card)
✅ Pros
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Multiple tiers for all types of users – from no stake to high-net-worth VIPs
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Competitive cashback structure
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Access to lifestyle perks like streaming rebates & lounges
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Supports a wide range of crypto assets
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Mobile app for card controls, top-ups, and tracking
⚠️ Cons
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Perks require CRO staking, locking capital for 6 months
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Rewards are subject to reduction/change (as seen in past years)
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Geographic restrictions apply
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All cashback is paid in CRO, subject to market volatility
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Customer service reviews are mixed, with some users reporting slow response times
🧠 Final Verdict
The Crypto.com Visa Card remains one of the most popular crypto cards in 2025 due to its tiered structure, brand reputation, and competitive perks. It’s especially attractive for users who are comfortable holding and staking CRO for extra benefits. However, for those looking for pure USDT-based usage without token staking or price volatility, there may be simpler alternatives.