Crypto.com Card vs Halocard
Torn between Crypto.com Card and Halocard? The comparison below is built from the same test data we use across the rest of the site.
Both issue on Visa; both ask for ID + proof.
Crypto.com Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, 0% foreign transaction fees. Halocard is the better fit for power users who need ad spend.
The two, compared
| Field | Crypto.com Card | Halocard |
|---|---|---|
| Card network | Visa | Visa |
| Card type | Crypto Card | Crypto Card |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free (entry tier); higher tiers require CRO staking | Essential 3 cards $12/mo; Pro 12 cards $15/mo; Elite 60 cards $75/mo |
| Monthly fee | Free (no annual fee) | Essential $12; Pro $15; Elite $75 (annual gives 2 months free) |
| Top-up fee | Free crypto top-up; ~1% for card top-up | 1% (stablecoin/credit card/bank transfer); some sources say credit card 5% |
| FX fee | No FX fees on most tiers | Non-USD 1.5%+$0.30; USD spend $0 |
| Crypto funding | Yes (100+ cryptocurrencies) | Yes (stablecoin top-up) |
| AI tool support | ChatGPT / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Low | Medium |
| Our rating | 9.1 | 8.4 |
| User reviews | 855 | 319 |
| Best for | AI subscriptions · Streaming | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The head to head
- Tight on fees? Crypto.com Card is the cheaper card to hold day to day.
- Halocard shows up in more of our test scenarios, so it is the safer pick when you juggle several subscriptions.
- Crypto.com Card edged Halocard on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, Crypto.com Card is the calmer of the two.
Where they split
Crypto.com Card is the cheaper card to hold: free to create and a 1% top-up, against about $3 and a 1% top-up at Halocard. Halocard earns its keep only if you need ad-platform billing.
Questions people ask
That depends on what you spend on. Crypto.com Card scores 9.1/10 against Halocard's 8.4/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Crypto.com Card works out cheaper: no virtual card issuance fee, free account maintenance, 0% foreign transaction fee. Halocard adds about $3 per virtual card, $12 a month, a 1.5% FX fee, a 1% top-up fee.
Crypto.com Card asks for ID + proof at signup; Halocard asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 7 of the same test scenarios, including Midjourney, Target, AWS. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Crypto.com Card and Halocard both landed in our top picks for 7 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🌐 Cloud & VPS 4
🤖 AI Tools & Developer Tools 1
🛍️ Cross-border Shopping 1
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇺🇸 US · 🇸🇬 Singapore — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: