Crypto.com Card
Crypto.com Card is a crypto card issued on Visa, rated 9.1/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Crypto.com Card is the strongest fit for AI subscriptions and streaming, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Crypto.com Card · Crypto Card |
| Official site | https://crypto.com |
| Best for | AI subscriptions · Streaming |
| Network | Visa |
| Rating | 9.1/10 (4.5★, 855 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | Free ··· |
| Monthly / annual fee | Free ··· |
| Top-up (deposit) fee | Free crypto top-up to wallet; card loads fre… ··· |
| Minimum deposit | Varies by tier |
| FX / conversion fee | 0% FX on Plus/Pro/Private tiers ··· |
Verification and risk
| KYC required | Yes ··· |
| Risk level | Low |
| AVS check | Yes (US AVS) |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (100+ cryptocurrencies) |
| Bank transfer | Yes (bank transfer) |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple tiers available |
Billing
| Billing address | US General |
| Billing country | Varies (US, UK, EU, APAC; region-dependent) |
Platform compatibility
| ChatGPT | Yes |
| Claude | No |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
| AI tools noted | ChatGPT / Midjourney |
Issuer pricing and benefits
Published card tiers on crypto.com/cards, read verbatim. That page quotes EUR pricing while the rows above carry US tier pricing, so the two differ by region on purpose.
| Tier | Subscription or lockup | CRO rewards on spending | Travel rewards | Free ATM / month |
|---|---|---|---|---|
| Midnight Blue | Free | 0% | up to 5% | €200 |
| Ruby Steel | €3.99/mo, €39.90/yr (16% off), or €450 in CRO staked 12 months | 1.5% up to USD 750/mo | up to 20% | €400 |
| Jade Green / Royal Indigo | €24.99/mo, €249.90/yr (16% off), or €4,500 in CRO staked 12 months | 2.5% up to USD 1,500/mo | up to 25% | €800 |
| Icy White / Rose Gold | €45,000 in CRO staked 12 months | 3.5% up to USD 3,000/mo, then 0.5% | up to 30% | €800 |
| Obsidian | €450,000 in CRO staked 12 months | 4.5% up to USD 5,000/mo, then 1% | up to 40% | €1,000 |
Limits and perks in the same source
- ATM withdrawal cap €10,000 per month on every tier.
- Aggregated top-up limit €25,000 per month on every tier.
- Subscription rebates scale by tier: 3 months of Spotify and Truth+ on Ruby Steel, 6 months of Spotify, Netflix and Truth+ on Jade Green and Royal Indigo, then permanent on Icy White, Rose Gold and Obsidian.
- Airport lounge access is listed from Jade Green upward, capped at two visits a year for annual subscribers.
Source: https://crypto.com/cards.
What the issuer states on its own site
- There are several types of orders, including market orders, limit orders, stop orders, and crypto options, which allow users to buy or sell at a specific price or under certain conditions.
- Deposit fiat currency or another cryptocurrency into the newly created account.
- Deposit funds into the newly created account using a supported payment method.
- Some products offer fixed reward rates (e.g., the Crypto.com Visa Card ), while others may offer variable rates that depend on market conditions (e.g., the 'Earn' feature in the Crypto.com Onchain).
Source: https://crypto.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 421050 | Visa | United Kingdom | Debit | 335 | 245 | 73.1% |
We logged 245 cleared charges out of 335 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Crypto.com Card cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; loading it carries no top-up fee; conversion is priced at 0% FX on Plus/Pro/Private tiers (region-dependent); up to 3% on lower US tiers; the minimum deposit is not one figure, and the issuer lists it as Varies by tier. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Crypto.com Card?
Crypto.com Card asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (KYC required; Crypto.com 'Level Up' subscription or CRO stake for Plus/Pro/Private tiers; Basic free, no stake)
How can I fund Crypto.com Card?
You can fund it with crypto (100+ cryptocurrencies), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Crypto.com Card need?
Setting it up: the billing address type is US General; the issuing region is not one country, and the issuer lists it as Varies (US, UK, EU, APAC; region-dependent); an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Crypto.com Card work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Midjourney, Netflix and Spotify, the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Crypto.com Card trigger 3-D Secure?
Yes. Crypto.com Card supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Crypto.com Card?
Crypto.com Card allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple tiers available. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How much CRO do I have to stake for each Crypto.com card tier?
On the issuer's published tiers you stake €450 for Ruby Steel, €4,500 for Jade Green or Royal Indigo, €45,000 for Icy White or Rose Gold, and €450,000 for Obsidian, each locked for 12 months. Midnight Blue needs no stake, and every paid tier also accepts a monthly or yearly subscription instead of the lockup.
What cashback does the Crypto.com card pay?
CRO rewards on everyday spending step from 0% on Midnight Blue to 1.5%, 2.5%, 3.5% and 4.5% on the top tier. Each step has a monthly ceiling in USD, and the top two tiers drop to 0.5% and 1% once you pass it.
What limits apply to the Crypto.com card?
The issuer caps ATM withdrawals at €10,000 per month and aggregated top-ups at €25,000 per month, whatever tier you hold. Free ATM allowance inside those caps rises from €200 a month on Midnight Blue to €1,000 on Obsidian.
Which subscriptions does Crypto.com rebate?
Spotify and Truth+ for three months on Ruby Steel, Spotify, Netflix and Truth+ for six months on Jade Green and Royal Indigo, and the same set permanently on Icy White, Rose Gold and Obsidian.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.