Nº 9 Best perks
Crypto.com Visa review
Still the card with the longest perk list, but the free version now earns nothing and charges FX, and the paid plans are worth it only if you use the extras.
The Crypto.com Visa is a prepaid card topped up from your Crypto.com account, available across the EEA. Its old staking tiers, with the Ruby, Jade and Icy metal cards, have become Level Up plans. The important change for most readers: the two middle plans are now ordinary subscriptions you can cancel, not a year of locked-up CRO, but the free card pays no rewards at all.
The plans
| Plan | Cost | Card rewards in CRO | Or in BTC (France, Germany, Italy) |
|---|---|---|---|
| Basic | Free | None | None |
| Plus | €3.99 a month or €39.90 a year | 1.5% on the first $750 a month | 1% on the first $1,250 |
| Pro | €24.99 a month, €249.90 a year, or €4,500 of CRO locked up | 2.5% on the first $1,500 | 1.5% on the first $2,500 |
| Private | 12-month CRO stake from €45,000 | 3.5% on the first $3,000, then 0.5% | 2% with no cap |
| Private, top level | CRO stake of about €450,000 | 4.5% on the first $5,000, then 1% | 3% with no cap |
The caps are the catch. Plus pays 1.5% only on the first $750 of each month's spending, about €660, so it can never earn more than about €10 a month. Rewards arrive in CRO, Crypto.com's own token, unless you live in France, Germany or Italy, where you can choose bitcoin at a lower rate with a higher cap. The paid plans add perks the calculator does not count: Pro includes airport lounge visits and six months of Spotify and Netflix rebates, and every paid plan cuts crypto trading fees.
What it costs
| Fee | Amount |
|---|---|
| Non-euro purchases (Basic) | 0.2% in the EU and UK, 2% elsewhere |
| Non-euro purchases (Plus, Pro) | 0.2% in the EU and UK; outside, nothing up to €400 (Plus) or €800 (Pro) a month, then 2% |
| Physical card | €4.99 on Basic; free on Plus for annual subscribers |
| ATM | Free up to €200 a month on Basic (€400 on Plus, €800 on Pro), then 2% |
| Topping up with a bank card | 1% |
| Inactivity | €6 a month after 12 months without use |
| Closing the account | €50 |
The account can hold at most €25,000, and you can spend up to €25,000 a month.
A worked example
Take €1,500 a month, with 10% of it in other currencies, as in Germany. On the free Basic card you earn nothing and pay about €4 a year in FX fees. Plus earns 1.5% on the first €660 or so each month, about €119 a year, minus its €39.90 annual fee: about €75. Pro earns 2.5% on about €1,320 a month, roughly €396 a year, minus €249.90: about €143. In France, Germany or Italy, Plus pays a little more in bitcoin, about €89, because its cap is higher.
Compare that with free cards: Bybit keeps about €171 a year at the same spend, Bleap €180 and OKX €342, with no subscription. The paid plans pay off only if you value the lounge visits and streaming rebates, and all of it arrives in CRO, which can lose value before you sell it.
Licensing: in the EEA the Crypto.com Visa is issued by Foris MT Limited, a Maltese e-money institution licensed by the Malta Financial Services Authority, and the crypto side runs under Foris DAX MT Limited, which holds a MiCA crypto-asset service provider licence from the same regulator. Crypto.com's own licences page notes that other products in the app are provided by other group companies and fall outside those two licences.
What works
- Paid plans are now cancellable subscriptions, not a year of locked CRO
- Real perks on Pro: lounge visits, Spotify and Netflix rebates
- Bitcoin rewards option in France, Germany and Italy
- Licensed in Malta under MiCA, polished app, EEA-wide
What doesn't
- The free card earns nothing and charges 0.2% FX in Europe, 2% outside
- Rewards capped low: Plus covers only the first $750 a month
- Rewards in CRO, an exchange token, unless you pick BTC where allowed
- Fees for inactivity, closing the account and card top-ups
- Custodial prepaid card with a €25,000 balance limit
Who it's for: people who already trade on Crypto.com and will use the lounge visits and streaming rebates. For cashback alone, a free card such as OKX, Bleap or Bybit pays more.
Sources
Figures on this page come from the issuer’s own pages, checked on October 20, 2026:
- Prepaid Visa card fees and limits, Europe (Crypto.com help centre) help.crypto.com
- EU prepaid card terms and conditions (Crypto.com) crypto.com
- Licences and registrations (Crypto.com) crypto.com
- Level Up plans and prices, EEA (Crypto.com) crypto.com
- Card rewards in BTC or CRO by plan (Crypto.com help centre) help.crypto.com