The most generous crypto-rewards credit card in the US market - up to 6% back in BTC or CRO with no annual fee - but the best rates require CRO staking or a Level Up subscription, BTC earn is capped by tier, and it is credit (with bureau approval), not a debit card you can top up with crypto.
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by the cryptodebitcards editorial desk · review version 4 · prose updated 2026-09-21 · facts as of 2026-09-21 · how we verify
The Crypto.com Visa Signature Credit Card is a credit card offered by Crypto.com, an exchange provider, on the Visa network. It is available in both physical and virtual form factors and is designed for users in the US. The card is issued by Comenity Capital Bank and requires full KYC.
The card has no annual fee, and the monthly fee is $0. There is no top-up fee, as this is a credit card. The foreign transaction fee is 3%, and the ATM fee is 5% with a minimum of $10. The cash advance fee is also 5% with a minimum of $10, and the cash advance APR is 32.49% variable. The inactivity fee has not been verified.
The card requires full KYC, which includes Crypto.com account KYC, card pre-qualification, and credit approval. The KYC process involves a soft credit check, which does not impact credit scores. The card is shipped after credit approval, and the exact shipping time has not been specified.
The card does not support native crypto loading, as it is a credit card. However, it supports in-app conversion of various cryptos, including BTC, CRO, ETH, USDC, and USDT. There is no minimum top-up amount specified, as the card balance is paid via the Crypto.com App.
The card offers a cashback rate of 1.5% in BTC, with a cap of $250 per month for the Basic tier. Higher tiers offer up to 6% cashback, with varying caps. The cashback is paid out in BTC or CRO, and the rewards program terms can change at any time.
Crypto.com is a well-established exchange provider with a good reputation. However, the rewards terms can change at any time, and the best rates require CRO staking or a paid subscription. There have been no specific incidents related to the card program, but some users have reported issues with customer support.
The Crypto.com Visa Signature Credit Card offers generous rewards, but the best rates require CRO staking or a paid subscription. The card is suitable for users in the US who are looking for a credit card with crypto rewards. However, users should be aware of the potential risks and limitations, including the variable rewards terms and the need for full KYC.
| Issuance | $0 annual fee; Basic tier free |
|---|---|
| Monthly | none |
| Top-up fee | 0% |
| FX fee | 3% |
| ATM fee | 5% |
| Fine print | Level Up tier access fee: Basic free; Plus $4.99/month or $49.90/year (16% off) or $500 12-month CRO staking (and higher tiers via staking). $0 annual credit card fee. This is a credit card paid from a linked bank account in the Crypto.com App - there is no crypto top-up path ('Spend in dollars. Earn in Bitcoin.'). Per the Comenity Capital Bank cardholder agreement (print date September 2026): foreign transaction fee 3.0% of each transaction in USD; cash advance $10 or 5% whichever is greater (APR 32.49% variable, interest from transaction date); balance transfer $10 or 5%; late/returned payment up to $41; purchase APR 17.49%/25.49%/31.49% variable by creditworthiness. Reward rates: Basic 1.5% (BTC capped at $250/mo then 1.0%; unlimited CRO), Plus 3.5% (BTC cap $500/mo then 2.0%), up to 6% on top tiers. |
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Based on our checks as of 2026-09-21: Crypto.com Visa Signature Credit Card scores 6.3/10 in our weighted review. We logged 2 red flags (listed above). User reports and the operator background are documented with dated sources in the meta-review below.
Yes, full KYC is required, including Crypto.com account KYC, card pre-qualification, and credit approval.
The card has no annual fee, but charges a 3% foreign transaction fee, 5% ATM fee, and 5% cash advance fee.
The card does not support native crypto loading, but supports in-app conversion of various cryptos.
Yes, the card offers a cashback rate of 1.5% in BTC, with a cap of $250 per month for the Basic tier.
The card is available only in the US.
Crypto.com is a well-established exchange provider with a good reputation, but users should be aware of the potential risks and limitations.
The card is available in both physical and virtual form factors.
The most aggressive rewards among exchange cards: 2-10% USDT cashback tiers, auto-interest on the card balance and 100% rebates on popular subscriptions - but it requires full exchange KYC and is explicitly unavailable in the EEA, and the platform carries the memory of the 2025 mega-hack it survived.
The safest pair of hands in the comparison: NASDAQ-listed issuer context, FDIC-member bank card, zero fees on USD/USDC spending and no staking requirement. The trade-offs: US-only (no Hawaii), rewards rates are variable in-app only, and non-USDC crypto spends trigger auto-sell with spread and taxes.
The most mature crypto prepaid card in the US - FDIC-member bank issued, $25k/month top-ups and clean tier structure - but the free tier earns nothing, real cashback requires a subscription or five-to-six-figure CRO stakes, and rewards are paid in volatile CRO.
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