The Crypto.com Visa Card is a popular choice for those looking to spend their cryptocurrencies in everyday life while earning rewards. This prepaid debit card works anywhere Visa is accepted, offering benefits like cash back, free ATM withdrawals, and subscription rebates.
What is the Crypto.com Card?
The Crypto.com Visa Card is a prepaid debit card that lets you spend cryptocurrencies at millions of merchants worldwide that accept Visa. Unlike a credit card, it requires no credit check and has no annual fees. You load the card with funds from your Crypto.com wallet, and for higher tiers, you must stake or lock up CRO, the platform’s native token, for 365 days. The card comes in multiple tiers, each with different rewards and requirements.
Requirements to Get a Crypto.com Card
To apply for a Crypto.com card, you need to meet these requirements:
- Crypto.com Account: You must sign up for a Crypto.com account through their mobile app and complete the Know Your Customer (KYC) verification process. This involves providing personal details and a photo ID.
- CRO Stake or Lockup (for Higher Tiers): Except for the Midnight Blue card, all tiers require you to stake or lock up a specific amount of CRO for 365 days. The amount depends on the card tier, ranging from $400 to $400,000.
- Proof of Address: You’ll need to submit a document like a utility bill or bank statement to verify your residential address.
Step-by-Step Guide to Applying for a Crypto.com Card
Follow these steps to get your Crypto.com card:
Step 1: Sign Up for Crypto.com
- Download the Crypto.com app from the App Store or Google Play.
- Create an account with your email and a secure password.
- Complete KYC verification by submitting your personal details and a photo of a government-issued ID, such as a passport or driver’s license.
Step 2: Choose Your Card Tier
In the app, go to the ‘Card’ tab to view the available tiers. Each tier has different staking requirements and benefits:
| Card Tier | CRO Stake (USD) | Key Benefits |
|---|---|---|
| Midnight Blue | $0 | 1% cash back, $200 free ATM withdrawals/month |
| Ruby Steel | $400 | 1% cash back, $400 free ATM withdrawals/month, Spotify rebate ($13.99/month for 6 months) |
| Jade Green | $4,000 | 3% cash back, $800 free ATM withdrawals/month, Spotify/Netflix rebates ($13.99/month each for 6 months), 4 lounge visits/year |
| Royal Indigo | $40,000 | Same as Jade Green, higher staking requirement |
| Icy White | $40,000 | 5% cash back, $1,000 free ATM withdrawals/month, unlimited rebates, unlimited lounge access + 1 guest |
| Frosted Rose Gold | $100,000 | Same as Icy White, higher staking requirement |
| Obsidian | $400,000 | 8% cash back, $1,000 free ATM withdrawals/month, unlimited rebates, unlimited lounge access + 1 guest |
Step 3: Stake or Lock Up CRO
For tiers requiring a CRO stake, ensure you have enough CRO in your Crypto.com wallet. You can buy CRO in the app using a credit/debit card or transfer it from another wallet.
- Staking: Available in some regions (e.g., EEA, UK, Australia, Brazil), staking lets you earn rewards on your CRO while qualifying for card benefits. See Crypto.com’s staking guide.
- Locking Up: Similar to staking but may have different terms based on your region. Follow the app’s instructions to lock up CRO for 365 days.
Step 4: Submit Proof of Address
After selecting your tier and staking CRO, submit proof of your residential address. Acceptable documents include:
- Utility bill (electricity, water, etc.)
- Bank statement
- Government-issued document with your name and address
Check Crypto.com’s proof of address requirements for details.
Step 5: Wait for Your Card
Once your application and address are verified, you’ll receive a virtual card for immediate online use. If you request a physical card, delivery times vary by region:
| Region | Delivery Time |
|---|---|
| Singapore | 3-7 business days |
| APAC | 9-18 business days |
| Australia (incl. NZ) | 7-14 business days |
| US | 7-14 business days |
| UK & EU | 7-14 business days |
| Canada | 7-14 business days |
| Brazil | 15-20 calendar days |
| Rest of the World | 15-20 calendar days |
Enable push notifications in the app to track your card’s status.
How to Use the Crypto.com Virtual Card
Benefits of Each Card Tier
Each tier offers unique rewards to suit different needs:
- Midnight Blue: Ideal for beginners, with 1% cash back and $200 monthly free ATM withdrawals.
- Ruby Steel: Offers 1% cash back (up to $50/month initially), $400 free ATM withdrawals, and a Spotify rebate for 6 months.
- Jade Green/Royal Indigo: Provides 3% cash back, $800 free ATM withdrawals, Spotify/Netflix rebates for 6 months, and 4 annual lounge visits via Priority Pass.
- Icy White/Frosted Rose Gold: Features 5% cash back, $1,000 free ATM withdrawals, unlimited rebates on Spotify, Netflix, Amazon Prime, and unlimited lounge access with one guest.
- Obsidian: The premium tier with 8% cash back, $1,000 free ATM withdrawals, unlimited rebates, and unlimited lounge access with one guest.
Rewards are paid in CRO to your Crypto.com wallet. Some benefits, like Spotify and Netflix rebates, expire after 6 months for lower tiers (Ruby Steel, Jade Green, Royal Indigo) but are unlimited for Icy White, Frosted Rose Gold, and Obsidian.
Tips for Choosing the Right Tier
- Budget: If you’re new to crypto or don’t want to stake, start with Midnight Blue. Higher tiers require significant CRO investments.
- Usage: Choose a tier based on your spending habits. Frequent travelers may prefer Jade Green or higher for lounge access.
- Rewards: Higher tiers offer better cash back and rebates, but ensure the CRO stake aligns with your financial goals.
- Region: Benefits and staking rules may vary by country. Check Crypto.com’s help center for region-specific details.
Frequently Asked Questions (FAQ)
Can I get a virtual card while waiting for the physical one?
Yes, a virtual card is issued after your application is approved, allowing immediate online purchases.
What if I lose my card?
Freeze your card in the Crypto.com app and contact support via in-app chat or chat.crypto.com to request a replacement.
How do I activate my physical card?
Activate your card in the Crypto.com app by following the instructions provided upon receipt. See activation guide.
Can I upgrade my card tier later?
Yes, you can upgrade by staking more CRO. Your old card will be replaced with the new tier’s card, and benefits will update accordingly.
Are there any fees?
There are no monthly, annual, or setup fees. However, ATM withdrawals beyond the free limit or certain transactions may incur fees, depending on your tier. Check fees and limits.
What’s the difference between staking and locking up CRO?
Staking earns rewards and is available in select regions, while locking up is a similar commitment but may not earn rewards. Check your region’s terms in the app.
Conclusion
Getting a Crypto.com card is a simple process: sign up, complete KYC, choose a tier, stake CRO if needed, submit proof of address, and wait for delivery. With rewards like cash back, free ATM withdrawals, and subscription rebates, the card is a practical way to use crypto for daily purchases. Always verify the latest terms on Crypto.com’s official website or help center, as requirements and benefits may vary by region or change over time.
