Crypto.com Card vs Novo
Torn between Crypto.com Card and Novo? The comparison below is built from the same test data we use across the rest of the site.
Crypto.com Card issues on Visa and Novo on Mastercard; verification is ID + proof at Crypto.com Card versus Business KYC at Novo; only Crypto.com Card takes crypto top-ups.
Crypto.com Card is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. Novo still clears the same checkouts in our tests, so match the table to the services you actually pay for.
Two cards, one decision
| Field | Crypto.com Card | Novo |
|---|---|---|
| Card network | Visa | Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | Business KYC |
| Card issuance fee | Free (entry tier); higher tiers require CRO staking | Free |
| Monthly fee | Free (no annual fee) | Free ($0 monthly, no minimum balance) |
| Top-up fee | Free crypto top-up; ~1% for card top-up | — |
| FX fee | No FX fees on most tiers | — |
| Crypto funding | Yes (100+ cryptocurrencies) | No |
| AI tool support | ChatGPT / Midjourney | — |
| Risk level | Low | Low |
| Our rating | 9.1 | 8.3 |
| User reviews | 855 | 926 |
| Best for | AI subscriptions · Streaming | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The short version of the matchup
- Crypto.com Card covers a wider spread of use cases; Novo is more of a single-purpose tool.
- Crypto.com Card can sit on a crypto balance; Novo cannot, so the call depends on how you fund it.
- In our scoring, Crypto.com Card finished ahead of Novo — not by a mile, but enough to tilt a tiebreak.
The head to head
Crypto.com Card is the cheaper card to hold: free to create and a 1% top-up, against free and no top-up fee at Novo. Novo earns its keep only if you need the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Crypto.com Card scores 9.1/10 against Novo's 8.3/10 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 is the cheaper card to run. Both Crypto.com Card and Novo issue virtual cards for free; Crypto.com Card reloads at 1%, while Novo publishes no top-up percentage.
Crypto.com Card asks for ID + proof at signup; Novo asks for Business KYC. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including Minecraft Store. 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 Novo both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🎮 Gaming 1
Their BIN ranges
Cards issued in 🇺🇸 US — 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: