Nº 8 Best perks
Crypto.com Visa review
Still the perks king — metal cards, lounge access, streaming rebates — but the rewards now sit behind a subscription-plus-staking programme you should price like one.
The most widely available card in this index, and the one with the longest perk list: Spotify and Netflix rebates, airport lounge access and heavy metal cards at upper tiers. Since late 2025 the old staking tiers became "Level Up" — a combination of subscription fees and 12-month CRO staking commitments that unlock higher rates and perks.
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
- Broadest EEA availability of any major crypto card
- Real lifestyle perks: lounges, streaming rebates
- 0% FX at upper tiers; polished app and onboarding
What doesn't
- Zero rewards without a paid plan + 12-month CRO stake since the Jan 2026 overhaul
- Cashback in CRO — token risk on every reward
- Custodial; tier maths rarely favour light spenders
Who it's for: heavy spenders who genuinely use the perks and are comfortable holding CRO for a year. Everyone else is paying for benefits they won't use.
Sources
Figures on this page come from the issuer’s own pages, checked on September 25, 2026: