In this guide

  • Our verdict
  • Details
    • Obsidian
    • Frosted Rose Gold
    • Jade Green
    • Ruby Steel
    • Midnight Blue
  • Your reviews
  • Ask a question
Finder makes money from featured partners, but editorial opinions are our own.
Crypto.com Obsidian Visa card

Crypto.com Obsidian Visa card isn't available on Finder right now.

Deposit fee
1-2%
Withdrawal Fee
2%
Yield rate
Up to 5%
This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Our verdict

Crypto meets Visa - Earn rewards and pay no annual fees. Here's what you need to know about the Crypto.com card.

Crypto.com offers cards with no annual fees. The app is simple to use and a great place to start for novice crypto traders. The biggest downfall of the Crypto.com Visa card is its tiered structure. While it does offer up to 5% CRO back on all purchases and reimbursements on popular subscriptions, these benefits aren't applicable to most members.

To receive the full rewards, you must be an Obsidian card holder with AUD$500,000 of CRO staked. This is an impractical sum of money for most people to invest, let alone lock up via staking.

Since the Crypto.com card is prepaid and cannot be linked directly to a bank account, it may not be the perfect choice for everyone. However, with Visa payments accepted globally, the Crypto.com card could be a good option for travelling or putting aside crypto investments.

In this guide

  • Our verdict
  • Details
    • Obsidian
    • Frosted Rose Gold
    • Jade Green
    • Ruby Steel
    • Midnight Blue
  • Your reviews
  • Ask a question

Details

Obsidian

Product Name Crypto.com Obsidian Visa card
Yield rate Up to 5%
Issuing card fee $4.99
Deposit fee 1-2%
Supported cryptocurrencies BTC, ETH, LTC, XRP, BNB, CRO
Withdrawal Fee 2%
Free ATM limit €1,000
Funding methods Debit card, Credit card, Cryptocurrency via Crypto.com app, Fiat wallet, Crypto wallet
Yield rate on BTC Up to 5%
Yield rate on ETH Up to 6%
More Info

Frosted Rose Gold

Product Name Crypto.com Frosted Rose Gold Visa Card
Yield rate Up to 3%
Issuing card fee $4.99
Deposit fee 1-2%
Supported cryptocurrencies BTC, ETH, LTC, XRP, BNB, CRO
Withdrawal Fee 2%
Free ATM limit €800
Funding methods Debit card, Credit card, Cryptocurrency via Crypto.com app, Fiat wallet, Crypto wallet
Yield rate on BTC Up to 5%
Yield rate on ETH Up to 6%
More Info

Jade Green

Product Name Crypto.com Jade Green Visa Card
Yield rate Up to 2%
Issuing card fee $4.99
Deposit fee 1-2%
Supported cryptocurrencies BTC, ETH, LTC, XRP, BNB, CRO
Withdrawal Fee 2%
Free ATM limit €800
Funding methods Debit card, Credit card, Cryptocurrency via Crypto.com app, Fiat wallet, Crypto wallet
Yield rate on BTC Up to 5%
Yield rate on ETH Up to 6%
More Info

Ruby Steel

Product Name Crypto.com Ruby Steel Visa Card
Yield rate Up to 1%
Issuing card fee $4.99
Deposit fee 1-2%
Supported cryptocurrencies BTC, ETH, LTC, XRP, BNB, CRO
Withdrawal Fee 2%
Free ATM limit €400
Funding methods Debit card, Credit card, Cryptocurrency via Crypto.com app, Fiat wallet, Crypto wallet
Yield rate on BTC Up to 5%
Yield rate on ETH Up to 6%
More Info

Midnight Blue

Product Name Crypto.com Midnight Blue Visa Card
Yield rate N/A
Issuing card fee $4.99
Deposit fee 1-2%
Supported cryptocurrencies BTC, ETH, LTC, XRP, BNB, CRO
Withdrawal Fee 2%
Free ATM limit €200
Funding methods Debit card, Credit card, Cryptocurrency via Crypto.com app, Fiat wallet, Crypto wallet
More Info
Disclaimer: This information should not be interpreted as an endorsement of cryptocurrency or any specific provider, service or offering. It is not a recommendation to trade.

Eligibility and how to apply for a Crypto.com Visa card

  • Download the Crypto.com app (only compatible with mobile devices)
  • Complete the KYC verification process
  • Navigate to the "Card Page"
  • Select your preferred card tier and stake the required CRO
  • Accept the terms and conditions and stake your CRO for a minimum of 180 days
  • Confirm your address for delivery – in the interim, you will be provided with a virtual card in the app

How does the Crypto.com Visa card work?

The Crypto.com card is a prepaid Visa card and works in much the same way as any regular prepaid card. The key difference being that you can top up your account with cryptocurrencies or through a bank transfer.

Main benefits of the Crypto.com Visa card

  • Free subscriptions. Get reimbursed for subscriptions on platforms such as Netflix and Spotify.
  • Multiple currencies supported. Store cryptocurrencies alongside fiat currency.
  • Deposits and withdrawals. Easily transfer funds to and from your crypto wallet or bank account.
  • Visa partnership. Use your Crypto.com card for in-store or online purchases anywhere Visa is accepted.
  • Spending rewards. CRO rewards of up to 5% on every purchase are deposited directly into your Crypto.com wallet.

Main drawbacks of the Crypto.com Visa card

  • ATM withdrawal fees. Monthly ATM withdrawals are capped at AUD$1,000 for high-end cardholders and AUD$200 for basic members. Withdrawals over these amounts incur a 2% fee.
  • CRO staking. To receive the full 5% CRO rewards and card benefits package, you must be an Obsidian card holder with AUD$500,000 of CRO staked.
  • Basic card holders receive minimal benefits. Crypto.com incentivises CRO staking. If you opt not to stake CRO tokens, you will not receive any benefits.
  • No desktop support. All transfers and withdrawals must be completed through the Crypto.com app or by using the physical card.

How does it compare to a traditional debit card?

Crypto.com only offers prepaid cards. Unlike debit cards, prepaid cards cannot be directly linked to your bank account and need to be topped up manually. Top-ups can be completed via credit or debit card deposits or through cryptocurrency transfers.

How experienced do you need to be with crypto to use the Crypto.com Visa card?

Crypto.com Visa cards are suitable for all crypto users. Being able to transact with crypto and fiat currency makes the app particularly beginner-friendly, as there is no need to worry about DeFi exchanges or private keys.

What cryptocurrencies can I use with the Crypto.com Visa card?

Crypto.com supports the buying and selling of over 250 cryptocurrencies. Payments can be made through any Visa merchant. However, your crypto must first be converted to fiat currency in the app.

Is the Crypto.com Visa card safe? What are the risks?

  • All cryptocurrencies are held in offline cold storage
  • Transactions are screened for compliance
  • Fiat currencies are held in regulated bank accounts and covered by commercial bank insurance

Although Crypto.com adheres to strict security guidelines, there is still an inherent risk involved with holding or trading digital assets. Crypto phishing scams are common, so make sure to always double-check digital transfers and only transact through the official Crypto.com app.

Where can you use the Crypto.com Visa card?

You can use your Crypto.com card anywhere that a Visa debit card is accepted. However, some merchants and subscription-based platforms require that a credit card is held on file and will not accept the Crypto.com card for payment.

Fees and exchange rates

  • Deposits into your Crypto.com account are free
  • Withdrawals to external wallets incur a gas fee (costs vary depending on the asset sent)
  • A fee of up to 4% is charged when purchasing cryptos with regular credit, or debit cards.
  • Reissuing lost/stolen cards or upgrading to a new card will incur a fee

More information can be found under the Fees and Limits section of the Crypto.com mobile app.

Alternative crypto debit cards

Name Product Mobile view crypto Yield rate Deposit fee Supported cryptocurrencies
CoinJar Card
  • Yield rate

    N/A
  • Deposit fee

    1%

  • Supported cryptocurrencies

    68
N/A
1%
68
Spend crypto using the CoinJar Card with a flat 1% conversion fee, which is returned in CoinJar Reward Points.
CoinSpot Card
  • Yield rate

    N/A
  • Deposit fee

    $0

  • Supported cryptocurrencies

    4
N/A
$0
4
Use the CoinSpot Mastercard online or in person to pay using your crypto. This prepaid debit card has zero annual fees and can link to up to 5 wallets per card.
Crypto.com Midnight Blue Visa Card
  • Yield rate

    N/A
  • Deposit fee

    1-2%

  • Supported cryptocurrencies

    6
N/A
1-2%
6
Convert your crypto to fiat currency by loading it onto the card and enjoy no annual fee. You can also withdraw up to AUD$200 each month and pay no ATM fees (2% fee thereafter)
loading
Cryptocurrencies are speculative, complex and involve significant risks – they are highly volatile and sensitive to secondary activity. Performance is unpredictable and past performance is no guarantee of future performance. Consider your own circumstances, and obtain your own advice, before relying on this information. You should also verify the nature of any product or service (including its legal status and relevant regulatory requirements) and consult the relevant Regulators' websites before making any decision. Finder, or the author, may have holdings in the cryptocurrencies discussed.

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Billy Finder

Cryptocurrency writer

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