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Crypto card

Crypto.com Card review: fees, tiers and ATM limits

Crypto.com Card review: prepaid Visa with US ATM allowances of USD 200–1,000 a month, then 2%, and 3% FX on lower US tiers (as of 26 Sep 2026).

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Best for

  • Existing Crypto.com users who already hold or plan to take a paid Level Up plan
  • US residents on a higher tier who want no foreign-transaction fee and up to USD 1,000 of free ATM withdrawals a month (as of 26 Sep 2026)
  • Card spenders who stay within the monthly caps of the 1.5%–4.5% rewards (US plans, as of 26 Sep 2026)

Choose something else if

  • You want one simple global price — fees, rewards and even the card network change by region and tier
  • You are on a lower US tier and spend abroad — Midnight, Ruby, Jade and Indigo charge 3% on non-USD purchases (as of 26 Sep 2026)
  • You prefer to keep crypto off an exchange — the card is custodial; Tria is a self-custodial alternative

Key numbers

Physical card fee
US: Basic USD 4.99, Ruby USD 29.99 depending on plan conditions (as of 26 Sep 2026). EEA: Basic EUR 4.99 until 30 Sep 2026; new EEA tier rules from 1 Oct 2026
FX fee (US)
3% on Midnight, Ruby, Jade and Indigo; none on higher tiers
as of 26 Sep 2026
ATM withdrawals (US)
USD 200, 400, 800 or 1,000 free a month by tier, then 2%
as of 26 Sep 2026
Top-ups (US)
Debit card 1%, credit card 2.99%, PayPal 2.1%
as of 26 Sep 2026
Rewards (US)
Basic 0%; Plus 1.5%, Pro 2.5%, Private 3.5% or 4.5%, with monthly caps
as of 26 Sep 2026
Max balance (US)
USD 25,000
as of 26 Sep 2026

Verdict

Crypto.com Card is a prepaid card linked to your Crypto.com account, which holds the assets; you fund it from the app, including crypto-to-card transfers. It runs on Visa in most regions and on Mastercard in Bahrain and select GCC markets, with separate fee tables for the US, Europe, the UK, Canada, Singapore, Australia and GCC markets. It suits existing Crypto.com users who will choose a Level Up plan for rewards and, in the US, a tier without foreign-transaction fees.

US pricing (as of 26 Sep 2026): Midnight, Ruby, Jade and Indigo cards charge 3% on non-USD purchases and ATM cash, while higher tiers charge no foreign-transaction fee. Free ATM withdrawals are USD 200, 400, 800 or 1,000 a month by tier, then 2%. Top-ups cost 1% by debit card, 2.99% by credit card and 2.1% through PayPal, and the card balance is capped at USD 25,000. In the EEA, the Basic card charged 0.2% within the EU/UK and 2% outside through 30 Sep 2026, and Crypto.com announced new EEA tier rules from 1 Oct 2026 (as of 26 Sep 2026).

Rewards depend on the Level Up plan, not the card color. Level Up Basic earns nothing on spending; in the US, Plus earns 1.5%, Pro 2.5% and Private 3.5% or 4.5%, each with monthly caps (as of 26 Sep 2026), and EU caps differ. New Level Up CRO stakes are locked for 365 days. US cards carry a USD 5.95 inactivity fee after 12 months without use (terms effective 1 Sep 2026).

Card and payments

Type
Virtual + physical
Custody
Custodial
KYC
Required
Apple Pay
Yes
Google Pay
Yes

What it costs you

Prices for Crypto.com Card depend on where your account is registered. Enter your trip to see the total in fees.

Enter foreign-currency amounts at their value in USD.

Assumes a USD card used in another currency outside Europe, so payments and cash are converted.

For this trip Crypto.com Midnight costs about 45.99 USD.

  1. 1
    Crypto.com MidnightCheapestUnited States · Review

    Trip total: 45.99 USD

    Per month: 45.99 USD

    Exchange
    39.00 USD
    ATM
    2.00 USD
    Plan
    0.00 USD
    Card
    4.99 USD

    Fees as of 26 Sep 2026 · source

Open the full travel card cost calculator

Key fees by region

  • United States · Crypto.com Midnight

    3% on non-USD purchases and ATM cash; first USD 200 of cash a month free, then 2%; physical card USD 4.99.

    Fees as of 26 Sep 2026 · source

How it works

  • Prepaid Visa card with separate fees and limits in each region
  • Crypto-to-card transfers
  • Tiered rewards and limits

Pros

  • Free monthly ATM allowance in the US of 200 to 1,000 USD by tier (as of 26 Sep 2026)
  • Large consumer crypto brand and broad app ecosystem

Cons

  • Tier mechanics and regional fees are complex
  • Rewards and fees can change by country and tier

Alternatives

Tria

Crypto card

Self-custodial Visa crypto card with tiered issue and annual fees.

  • Self-custody-focused crypto spenders
  • Crypto holders who want cashback on everyday card spending
Last checked:
ReviewCheck terms

Nexo Card

Crypto card

Dual-mode crypto card for eligible users in Europe and Argentina.

  • Existing Nexo users in eligible European countries or Argentina
  • Crypto holders who want to spend their crypto or borrow against it
Last checked:
ReviewCheck terms

Gnosis Pay

Crypto card

Legacy Gnosis Pay card ends on 20 December 2026; withdrawals stay available after closure.

  • Existing holders planning the end of their legacy card
  • Download transaction history before closure and keep refund confirmations; individual dispute time limits still apply.
Last checked:
ReviewCheck terms

Head-to-head comparisons

Crypto.com Card vs WirexCrypto.com Card vs Bybit CardCrypto.com Card vs TriaCrypto.com Card vs Gnosis Pay

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FAQ

What are Crypto.com Card fees?

They depend on region and tier. In the US, lower tiers pay 3% on non-USD purchases, ATM withdrawals above the monthly allowance cost 2%, and top-ups cost 1% (debit), 2.99% (credit) or 2.1% (PayPal); the physical Basic card costs USD 4.99 (as of 26 Sep 2026).

What is the Crypto.com Card ATM withdrawal limit?

ATM limits vary by tier and region. In the US, the free monthly allowance is USD 200, 400, 800 or 1,000 depending on tier, with 2% charged above it, and the card balance is capped at USD 25,000 (as of 26 Sep 2026).

Does Crypto.com Card charge foreign transaction fees?

In the US, Midnight, Ruby, Jade and Indigo cards charge 3% on non-USD purchases and ATM cash; higher tiers charge none (as of 26 Sep 2026). In the EEA, Basic charged 0.2% within the EU/UK and 2% outside through 30 Sep 2026, and Crypto.com announced new EEA tier rules from 1 Oct 2026 (as of 26 Sep 2026).

How do Crypto.com Card rewards work?

Rewards come from your Level Up plan. Basic earns no spend rewards; in the US, Plus pays 1.5%, Pro 2.5% and Private 3.5% or 4.5% on qualifying spend, with monthly caps (as of 26 Sep 2026). Some merchant categories and countries can be excluded.

Sources

  1. Crypto.com regional prepaid-card fee collection — help.crypto.com
  2. Crypto.com US prepaid-card fees and limits — help.crypto.com
  3. Crypto.com EEA prepaid-card fees and announced October changes — help.crypto.com
  4. Crypto.com Level Up spending rewards and exclusions — help.crypto.com

Crypto card balances are not bank deposits, and fees and availability change, so check current terms before you load funds. How we compare