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Crypto.com Visa Card Review 2026: Level Up Program, All 5 Tiers Compared
Crypto.com overhauled its card program twice in quick succession — the Level Up rebrand in November 2024, then another major update in September 2025 that added subscription-based qualification as an alternative to CRO lockup. The result: a more accessible card program, but with some perks removed (Expedia, Airbnb, Amazon Prime, X Premium rebates were cut in November 2025). Here’s the full 2026 picture.
| Feature | Details |
|---|---|
| ⭐ Rating | 3.9 / 5 |
| Best For | Active CRO stakers, travelers, lifestyle spenders |
| Network | Visa |
| Base Cashback (Basic) | 0% prepaid / 1.5% credit |
| Plus Cashback (Ruby Steel) | 2% prepaid / 2% credit |
| Max Cashback (Private) | 5-6% prepaid / 6% credit |
| Annual Fee (Plus) | $49.90/year OR CRO lockup |
| FX Fee | 0% (Plus+) / 3% (Basic) |
| US Available | ✅ Yes (limited features) |
Key Takeaways
- Crypto.com overhauled its card program in November 2024 (Level Up) and again in September 2025, adding annual subscription qualification as an alternative to CRO lockup.
- The free Basic (Midnight Blue) card now offers 0% prepaid cashback — making it poor value for everyday spending. You need Plus tier minimum for meaningful rewards.
- Plus (Ruby Steel) at $49.90/year is the sweet spot — 2% cashback and Spotify/Netflix rebates worth up to $335/year, often exceeding the annual fee.
- In November 2025, Crypto.com removed Expedia, Airbnb, Amazon Prime, and X Premium rebates from the program — a significant downgrade for users relying on those perks.
- CRO cashback is paid in CRO tokens — which crashed ~90% in 2022 and have only partially recovered. This introduces token price risk on your cashback value.
How We Review Crypto Cards
Our team applies for real cards, uses them for everyday purchases, and tracks actual cashback received. For CRO-based rewards, we track token price impact over a 90-day period to show real-world cashback value.
| Criteria | Weight | Crypto.com Score |
|---|---|---|
| Fees & Costs | 30% | 3.7 / 5 |
| Security & Regulation | 25% | 4.4 / 5 |
| Supported Assets | 20% | 3.8 / 5 |
| User Experience | 15% | 4.5 / 5 |
| Rewards & Cashback | 10% | 3.5 / 5 |
| Overall | 100% | 3.9 / 5 |
All 5 Crypto.com Card Tiers Compared (2026)
| Tier | Qualification | Prepaid Cashback | Streaming | Airport Lounge | FX Fee |
|---|---|---|---|---|---|
| Basic (Midnight Blue) | Free | 0% | ❌ | ❌ | 3% |
| Plus (Ruby Steel) | $49.90/yr OR CRO lockup | 2% | Spotify + Netflix | ❌ | 0% |
| Pro (Frosted Rose Gold/Icy White) | Higher tier sub OR CRO lockup | 3% | Spotify + Netflix | ✅ LoungeKey | 0% |
| Private (Icy White/Frosted Rose Gold) | $50,000+ CRO lockup | 5% | Spotify + Netflix | ✅ Priority Pass | 0% |
| Private (Obsidian) | $500,000+ CRO lockup | 6% | Multiple | ✅ Priority Pass Unlimited | 0% |
The September 2025 update introduced subscription-based qualification for Plus and Pro tiers — meaning you can now get Plus tier benefits for $49.90/year without locking up CRO. This is a major accessibility improvement for users who don’t want crypto exposure in their qualification method.
💡 Expert Tip: The Plus (Ruby Steel) tier at $49.90/year is the clear value sweet spot. The Spotify ($9.99/month) and Netflix ($13.99/month) rebates alone total $287.76/year — already covering the $49.90 annual fee 5x over. Add 2% cashback on spending and the math becomes very compelling for regular subscribers of these services.
What Changed in 2024-2025?
November 2024 — Level Up Rebrand
Crypto.com replaced the legacy tier names and restructured rewards under the “Level Up” program. New tier names introduced, cashback rates adjusted, and the overall system was simplified.
September 2025 — Subscription Option Added
The biggest improvement: you can now qualify for Plus and Pro tiers via annual subscription rather than locking up CRO tokens. This removes the need to take on CRO price risk just to access 2% cashback. Monthly spend caps and some limit adjustments accompanied this change.
November 2025 — Perks Removed
Expedia, Airbnb, Amazon Prime, and X Premium rebates were removed from all tier benefits. This was a meaningful downgrade for users who had chosen their tier specifically for travel and subscription rebates. Spotify and Netflix rebates remain active.
Crypto.com Card Fees
| Fee Type | Basic | Plus |
|---|---|---|
| Annual Fee | Free | $49.90/year |
| FX Fee | 3% | 0% |
| ATM (monthly free limit) | Limited | Higher limit |
| CRO Cashback | 0% prepaid | 2% in CRO |
| Streaming Rebates | None | Spotify + Netflix |
The Basic card’s 3% FX fee and 0% prepaid cashback make it genuinely poor value — you’re essentially paying more when traveling while earning nothing back. The jump to Plus ($49.90/year) eliminates FX fees, adds 2% cashback, and includes streaming rebates. For most regular users, Plus pays for itself easily.
The CRO Token Risk
All Crypto.com cashback is paid in CRO tokens. In November 2021, CRO peaked at approximately $0.93. By the end of 2022, it had fallen to around $0.06 — a roughly 90% decline. At that point, your “2% cashback” was worth 90% less than when earned. CRO has partially recovered but remains well below its all-time high.
This is the key trade-off with Crypto.com cards: the cashback percentage looks good on paper, but actual value depends on CRO’s market price at the time you hold or sell it. For users who plan to hold CRO or use it within the Crypto.com ecosystem, this is manageable. For users who want stable fiat-equivalent cashback, the token price risk is a real concern.
💡 Expert Tip: If you’re on Plus tier and using the streaming rebates, convert your CRO cashback to USDC or another stablecoin periodically rather than holding CRO. This locks in the cashback value in fiat terms and eliminates the token price risk. The Crypto.com Exchange makes this conversion straightforward.
Crypto.com Card Pros & Cons
| ✅ Pros | ❌ Cons |
|---|---|
| Plus tier ($49.90/yr) easily pays for itself | Basic card has 0% cashback and 3% FX — poor value |
| Spotify + Netflix rebates on Plus+ tiers | CRO cashback carries token price risk |
| Subscription path removes CRO lockup requirement | Expedia, Airbnb, Amazon Prime removed Nov 2025 |
| Highly regulated — US, UK, EU, Singapore (MAS) | Private tiers require $50K-$500K CRO lockup |
| Airport lounge access on Pro+ | Monthly spending caps on some tier benefits |
| Excellent mobile app (4.5/5 iOS, 4.7/5 Android) | High tier benefits require major CRO exposure |
| Widely available including in the US | CRO crashed 90% in 2022 |
Who Should Get the Crypto.com Visa Card?
✅ Who It’s Best For
- Spotify and Netflix subscribers on Plus tier — streaming rebates easily cover the $49.90 annual fee
- US residents who want a well-regulated crypto card with broad feature coverage
- CRO ecosystem users who plan to use CRO rewards within the Crypto.com platform
- Frequent travelers on Pro+ tier who benefit from 0% FX and airport lounge access
❌ Who Should Avoid It
- Basic card users — 0% cashback and 3% FX makes it genuinely poor value; upgrade or choose differently
- Anyone who needs stable fiat cashback without CRO token exposure
- Users who relied on Expedia, Airbnb, or Amazon Prime rebates — those were removed November 2025
- Anyone who doesn’t want to commit $49.90+/year or CRO lockup for meaningful rewards
How to Get Crypto.com Visa Card: 5-Step Guide
- Download the Crypto.com app — iOS or Android
- Complete KYC — identity verification required for all card tiers
- Choose your tier — Basic (free), or Plus via $49.90 annual subscription or CRO lockup
- Order your card — virtual card available immediately; physical card ships to your address
- Add to Apple Pay/Google Pay — start spending and earning CRO cashback
Crypto.com Visa Card FAQs
What changed in the September 2025 update?
September 2025 added subscription-based qualification for Plus and Pro tiers — meaning you can now access 2% cashback and streaming rebates for $49.90/year without locking up any CRO tokens. This was the biggest accessibility improvement since the Level Up launch. However, monthly spend caps and some limits were adjusted alongside this change.
Which Crypto.com card tier is worth it?
Plus (Ruby Steel) at $49.90/year is the clear value entry point — Spotify ($9.99/month) and Netflix ($13.99/month) rebates alone total $287.76/year, dwarfing the fee. Add 2% CRO cashback and 0% FX fees, and Plus easily justifies its cost for regular users.
Does the Crypto.com card work in the US?
Yes, Crypto.com operates in the US with regulatory approvals. Some features vary by state — New York residents may face restrictions. Most US users can access the core trading and card features without issues.
What happened to Expedia, Airbnb, and Amazon Prime rebates?
These rebates were removed from all card tiers in November 2025. X Premium rebates were also cut at the same time. Spotify and Netflix rebates remain active on Plus and higher tiers.
⚡ Bottom Line: The Crypto.com Visa Card is worth it at Plus tier ($49.90/year) if you subscribe to Spotify and Netflix — the streaming rebates alone justify the fee multiple times over. The September 2025 subscription option removes the need for CRO lockup, making it genuinely accessible. The catches: CRO cashback carries token price risk, the November 2025 perk removal was painful, and the free Basic card is genuinely poor value. Skip Basic entirely — go Plus or go elsewhere.
⚠️ Risk Disclaimer: CRO token value fluctuates and may decline. Cashback paid in CRO is subject to market risk. This is not financial advice.
