Crypto.com Card [USA]
- Nice extras with higher Tier cards - Spotify, Netflix, Amazon Prime, and more
- 200-1000 USD free ATM withdrawal per month
- Higher Tier cards with higher rewards require CRO token staking
- Non-responsive customer service
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Prepaid Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 4.95 USD |
| Crypto to USD Crypto->USD Conversion Cost | ~0.75% |
| Highest Cashback | up to 5% |
| Entry-Level Cashback | 1% |
| Entry-Level Cashback Monthly Cap | 25 USD |
| Daily Spending Limit | 10,000 USD |
| Daily ATM Withdrawal Limit | 500 USD |
| Foreign Exchange Fee | 3% |
| Crypto to Fiat Conversion | Manual when Preloading |
| Crypto Asset Management | Custodial (stores crypto keys on your behalf) |
| Supported Countries | United States |
| Supported Cryptocurrencies | ADABTCCHZDAIDOGEENJEOSETHLINKLTCMANAMATICTAUDTCADTGBP |
Your Crypto.com Card: Spending freedom with your crypto - accepted at millions of locations worldwide
Crypto.com Card Benefits and Rewards – for USA
Here are the benefits and rewards offered by Crypto.com for their USA-based cardholders:
Obsidian |
Rose & White |
Jade & Indigo |
Ruby Steel |
Midnight |
|
| USD Lockup Required | $400,000 | $40,000 | $4,000 | $400 | – |
| Cashback Rewards | 5% | 3% | 2% | 1% | – |
| Spotify | |||||
| Netflix | |||||
| Priority Pass™ Airport Lounge Access (see lounge list) | |||||
| Amazon Prime | |||||
| Crypto.com Private Membership | |||||
| 2% Extra Interest on Crypto Earn | |||||
| Airbnb | |||||
| Private Jet Service |
Priority Pass™ Airport Lounge Access offers access to a wide selection of airport lounges.
Not all cashback % is unlimited. The Royal Indigo & Jade Green cards offer 2% cashback reward with a cap of $50 USD per month and the Ruby Steel card offers a 1% cashback reward capped at $25 USD per month. The Obsidian and Frosted Rose Gold & Icy White cards don’t have any limit on their 5% and 3% cashback rewards respectively.
The Airbnb reward that is offered to Obsidian card holders gives 10% back for each purchase on Airbnb with a monthly US$100 limit.
Cashback rewards are paid in CRO Token to your Crypto.com Wallet App.
What Does Crypto.com Private Membership (VIP) Offer?
- Access to Crypto.com’s self-published research reports, like these.
- Assistance with estate handling related to Crypto.com assets. Estate handling refers to the process of managing and distributing a deceased person’s Crypto.com assets.
- Tickets to top crypto industry events.
- Extra 2% bonus interest on Crypto Earn.
- Preferential rates for trading large amounts of CRO.
- Priority customer support.
Reality Check While Crypto.com Card promotes up to 5% cashback, if you're an entry-level user with 1,000 USD in assets, you'll qualify for 1% cashback, capped at 25 USD per month.
Are other cards more generous at base tier? Yes.
| Crypto.com Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 25 USD | 400 USD |
Crypto.com Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- No Bank Account Offered
Crypto.com Card is very much like a traditional prepaid card that carries its own balance, and you'll need to top it up before use.
It should be noted that Crypto.com doesn't offer a bank account with this card (while some crypto cards do), which means you won't be able to receive third-party payments, like fiat withdrawals from exchanges, for example.
It Comes in Both Physical and Virtual Forms
You can get Crypto.com Card in either a physical or virtual version. The virtual card is instantly available online after completing KYC Identity Verification. Applying for and activating a physical card will replace the virtual one.
Wondering about the perks of each card type? Here are some highlights:
Physical Card | Virtual Card |
|---|---|
| ATM Withdrawals | No ATM Withdrawals |
| Required for Car Rentals, Hotels | No Tangible Asset |
| Useful When Phone Dies, or no Wifi | Apple Pay Enabled: Virtual but In-Store Ready |
| Backup Payment Method | Instant Availability |
Cost to Order: 5 USD | Cost to Order: 0 USD |
Useful:Since Crypto.com Card supports Apple Pay, you can use this card in real life, whether you have the virtual or the physical version.
Crypto-to-USD Conversion Cost with Crypto.com Card
Crypto.com Card Requires Pre-Load
Before you can use your Crypto.com Card, you will need to top-up your account. This means you will have to convert your crypto in advance, exchanging it to USD and moving it to the card account, to make it available for spending.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~0.75% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Total Crypto to USD Cost | ~0.75% |
Low Cost:Compared to the average ~1.8% crypto-to-fiat cost of other cards, converting crypto with Crypto.com Card is much more cost-effective (~0.75%). This means that you will get more USD for your crypto when using this card.
From all crypto cards we reviewed for North America, Crypto.com Card, Shakepay Card and Netcoins Card offer the cheapest crypto-to-fiat conversions (~0.75%, ~0.75% and ~1.1% respectively), while converting crypto with Coinbase Card will cost you the most, ~4%.
How Does Crypto.com Card Compare to Other Crypto Cards?
Crypto.com Card ranks #44 out of 61 amongst all the crypto cards we have reviewed so far. This means it's one of the bottom 20%. But don't rush to judge, our rating is based on company strength, fee structure and customer service - if this card supports your country while others don't, or you use their other services, this card may still be a good choice for you.
We compared Crypto.com Card with 10 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of Crypto.com Card against its 10 competitors:
- Offers impressive maximum cashback of up to 5% (other cards have an average of 3%).
- Solid company with a 9/10 brand authority score (the average for all competing cards is 6/10).
- Their crypto-to-fiat conversion cost, including all related fees and spread, is among the lowest at ~0.75% (versus an average of ~1.8% with other cards.)
- Their overall fees & limits structure is incredibly generous, with a score of 7.8/10 (average fees & limits structure rating amongst other cards is 6.4/10).
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 10 competitors, here are the shortcomings of Crypto.com Card:
- Limits entry-level cashback to 25 USD per month (while other cards have 400 USD average monthly cap for the base tier).
- Has a foreign exchange fee of 3% (other cards have 1.5% average).
- Limits ATM widthdrawals to 500 USD per day (average amongst other cards is 1,000 USD).
- Their customer service is poor with a 0.1/10 score (competitors score 7.6/10 on average).
- Requires preconversion of crypto to load the card (while 30% of competitors auto-convert on every purchase).
Crypto.com Card [USA] vs. Fold Card vs. Coinbase Card
Crypto.com Card
|
Fold Card
|
Coinbase Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | ~0.75% | ~1.5% | ~4% |
| Highest Cashback | up to 5% | up to 1.5% | 1% |
| Entry-Level Cashback | 1% | 0% | 1% |
| Daily Spending Limit | 10,000 USD | 10,000 USD | 2,500 USD |
| Daily ATM Limit | 500 USD | 1,000 USD | 1,000 USD |
| Foreign Exchange Fee | 3% | 3% | 2.49% |
| Asset Management | Custodial | Custodial | Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 23 | 1 | 235 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Bad | Great | Great |
| Brand Authority | Well-Known | Less-Known | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Both Crypto.com Card and Fold Card offer a solid daily spending limit of 10,000 USD. The daily limit on Coinbase Card is not as high.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Crypto.com Card offers the best cashback rewards of up to 5%. The cashback rewards for Fold Card and Coinbase Card are not as high.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Crypto.com Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in USD
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Crypto.com Card:
Starting with an initial amount of 200 USD in ETH, the ATM withdrawal with Crypto.com Card will cost you a total of ~8.47 USD (4.2% of 200 USD), resulting in a final cash withdrawal of 191.53 USD in hand.
Doesn't Crypto.com Card Offer Free ATM Withdrawals?
Yes, Crypto.com offers free ATM withdrawals for up to 200 USD per month, in line with the average limit of 200 USD offered by other cards.
When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 USD withdrawn per month. In our example, if you withdraw 200 USD, this waiver saves you 3.97 USD, reducing your local ATM withdrawal cost to around 4.5 USD, compared to the standard cost of approximately 8.47 USD.
International non-USD ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Crypto.com Card, here's what it will look like:
For an international withdrawal using your Crypto.com Card with an initial 200 USD in ETH, you'll incur fees totaling ~20.39 USD (10.2% of 200 USD), leaving you with 179.61 USD in the equivalent foreign currency.
Reality CheckOverall, Crypto.com Card is slightly cheaper than other cards for local ATM withdrawals and slightly more expensive for international ATM withdrawals:
| Cost with Crypto.com Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~8.4 USD (4.2% of 200 USD) | ~9 USD (4.5% of 200 USD) |
| International ATM Withdrawals | ~20.4 USD (10.2% of 200 USD) | ~18.4 USD (9.2% of 200 USD) |
From all crypto cards that we reviewed, Netcoins Card, Crypto.com Card and Wealthsimple Card offer the cheapest local ATM withdrawals (2.6%, 4.2% and 4.5% of 200 USD respectively), while Gemini Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 8.2% of 200 USD.
We Tested Crypto.com's Customer Support
We asked Crypto.com's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Crypto.com offers support via the following channels:
| Chat | https://help.crypto.com |
| contact@crypto.com |
Location: Crypto.com customer service reps are located in 
Bulgaria.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 22 d 19 h ) | They sent continuous auto-replies until we used 'URGENT' in one email, then response came the same day. Yet, response did not help to solve the issue asked about. | Late Reply Low Competence Highly Personalized Flawless English, Professional Tone 0.5/10 |
Chat (didn't reply) | Never replied apart from automated response. Waited 16 days. | No Response 0/10 |
Email (didn't reply) | Only automated messages. No real person ever replied. Waited 15 days. | No Response 0/10 |
Email (didn't reply) | Only automated response. So frustrating. Waited 14 days. | No Response 0/10 |
Chat (didn't reply) | Ufff.. no reply. Waited 14 days. | No Response 0/10 |
To summarize,
Competence and Problem-Solving: Crypto.com's customer service could potentially be competent, but we were unable to evaluate it.
Customer Love: Crypto.com demonstrates a disappointing disregard for customer care, primarily through their consistent failure to respond.
Reply Speed: The majority of customer inquiries go unanswered, which is absolutely unacceptable.
Overall Customer Service Rating: 0.1/10
With this score, Crypto.com's Customer Service is extremely poor, compared to other crypto cards, which score an average of 7.6/10.
Crypto.com Referral Code - to Get 25 USD Bonus
You can use referral code k426ugpaj7 to get 25 USD bonus when you create an account on Crypto.com platform.
Here's how you can enter the referral code:
..or, just click here.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Is Crypto.com Card Available for Residents of United States?
Yes, this version of Crypto.com Card was specifically designed for the residents of United States.
Crypto.com Card [USA] supports: United States. Crypto.com Card [Canada] supports: Canada. Crypto.com Card [EU] supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 12 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Got it. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
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