Halocard vs Crypto.com Card

Halocard is a US-issued Visa credit card for customers in the US and 120+ countries. Outside the US? You don't need an SSN, a US address or a US bank account. Crypto.com's US cards are for US residents: the prepaid cardholder agreement asks for a valid US mailing address and a Social Security number or other ID, and the Visa Signature credit card is available only to US users. Neither Halocard nor Crypto.com's prepaid card, its base card, runs a credit check; only the credit card does, and Crypto.com's prequalification check for it is a soft inquiry. Crypto.com's help centre says its app works only on mobile devices. See supported countries

Crypto.com's prepaid card holds US dollars: its cardholder agreement says no cryptocurrency is held on the card, so crypto is converted to dollars before it is loaded, and that the card is not a credit card. The Visa Signature credit card is a separate product, issued by Comenity Capital Bank. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check. Crypto.com's help centre says it issues one card per person, where Halocard's plans count the cards you hold. Halocard never reports to credit bureaus. Check merchant acceptance

Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. Crypto.com's prepaid card is topped up inside its app, from your crypto, your USD account or another card, and its cardholder agreement lists 1% by debit card, 2.99% by credit card and 2.1% by PayPal. Loads into its USD account carry their own fees, 1.99% by Apple Pay or Google Pay at a promotional rate. The prepaid card takes up to $25,000 a month in top-ups and holds up to $25,000, and its agreement lists no direct deposit to the card itself. You pay the credit card's balance from the app. See how to deposit

Halocard includes a US bank account with its own account and routing numbers, so you can receive salary, transfers from friends and family, and any other payment you'd send to a US checking account. ACH transfers arrive in 1 to 3 business days and domestic wires the same day, straight into your Halocard balance and ready to spend. Crypto.com's app has a USD account with its own account and routing number, which takes payroll direct deposit, ACH from your own bank and domestic wires. Its wallet terms call it a stored-value account, not a deposit account, and its help centre says transfers from friends, family and customers are not accepted and that the numbers can't be used for withdrawals, transfers or bill payments. The USD account tops up the prepaid card. Its pages name two partner banks for it: Community Federal Savings Bank in its wallet terms and Green Dot Bank in its ACH help article. Send and receive USD payments

Crypto.com's card controls are basic: you can freeze the card in the app, its limits are set by tier, and its help centre says it issues one card per person, with no secondary cards. Separately, its app offers One-Time Cards, virtual cards for US users that spend crypto at hundreds of listed online retailers, lock to one retailer and work for a single purchase; its help centre says they are not meant for subscriptions and can't be added to Apple Pay or Google Pay. With Halocard you set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card, on every plan. See card spending limits

Both work in person. Every Halocard can go in Apple Pay and Google Pay, and you can add a physical card, free with any annual plan or $100 on a monthly plan. Crypto.com's help centre says its US virtual cards can be added to Apple Pay, Google Pay and Samsung Pay, while point-of-sale and ATM use needs the physical card: its cardholder agreement lists $4.99 for it on Midnight Blue and $29.99 on Ruby Steel, which its help centre waives for annual and lockup members, and free on higher tiers. ATM withdrawals are free up to $200 a month on Midnight Blue, rising with the tier, then cost 2%. Set up Apple Pay and Google Pay

Crypto.com pays rewards in CRO, or in CRO or BTC on the credit card, at the market price when you spend, and what you earn depends on your Level Up tier. The credit card pays 1.5% on the free Basic tier, 3.5% on Plus, 4.5% on Pro and up to 6% on the Private tiers, which need a CRO lockup of $50,000 or more; BTC rewards on Basic are paid at that rate up to $250 a month and at 1% after. The prepaid card pays nothing on Basic, and its rewards on Plus and Pro stop at a monthly cap. Its rewards terms say they may change at any time. Halocard pays no cashback on purchases. What it pays is a referral commission: $5 to $25 a month for every friend you refer, for up to 12 months, and Essential is free with 3 referrals. See how referrals work

Halocard charges nothing on US-dollar purchases and 1.5% + $0.30 on others, and with no credit line there is no interest and nothing to pay late. Crypto.com charges 3% on foreign purchases on its credit card and on most prepaid tiers, and on foreign ATM withdrawals on the prepaid card, with nothing on its top prepaid tiers. Its prepaid card also costs 1% by debit card, 2.99% by credit card and 2.1% by PayPal to load, 2% on ATM cash above the free allowance, and $5.95 a month after 12 months without activity. The credit card has no annual fee, a variable APR of 17.49% to 31.49% and late and returned payment fees of up to $41. See all Halocard fees

Crypto.com's Basic tier is free, and Plus and Pro cost $4.99 and $29.99 a month or $49.90 and $299.90 a year; each can be unlocked instead with a 12-month CRO lockup, $500 for Plus and $5,000 for Pro, and the Private tiers need $50,000 or more. Subscriptions renew automatically until you cancel in the app. The credit card has no annual fee. Halocard plans are $12, $15 and $75 a month, count the cards you hold instead of a rewards tier, and Essential is free with 3 referrals. Compare Halocard plans

Halocard answers by chat, email, and phone on every plan. Crypto.com's help centre sends card questions to its in-app chat, and its cardholder agreement lists a customer service number, 1-888-824-8817. We found no support email for the card in its help centre. Recent Trustpilot reviewers of the platform describe waiting hours for a person in chat. Visit the help centre

Crypto.com's US business, Foris DAX, Inc., is a registered money services business with state money transmitter licences, and it names the banks that issue its cards and its co-founders. Its USD account pages name two partner banks, Community Federal Savings Bank in its wallet terms and Green Dot Bank in its ACH help article. Its Trustpilot profile covers the whole platform, not only the card, and shows 2.0/5 from 9,481 reviews. Halocard names its company, card issuer, account bank and founder. About Halocard