Crypto.com Card review

Best for people who hold crypto on Crypto.com

The Crypto.com Card is the Visa card from the Crypto.com crypto app, a prepaid card with no credit check or a Visa Signature credit card in the US, with rewards in CRO or BTC that depend on a Level Up subscription or a CRO lockup, and a good fit for US residents who already hold crypto there.

Halocard is the better choice for most people who want virtual cards: it is for customers in the US and 120+ countries, with a separate card for each merchant and a billing address you choose. The figures here are for the US cards; Crypto.com's other regions have separate cards with their own terms. Its prepaid card holds US dollars, is issued by Community Federal Savings Bank and takes one card per person. Its Basic tier is free, Plus costs $4.99 a month and Pro $29.99, with Pro rewards of 4.5% on the credit card and 2.5% on the prepaid card, and most tiers pay 3% on foreign purchases. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a separate card for each merchant and a billing address you choose.

Pros

  • Pros: Two US cards: a prepaid Visa and a Visa Signature credit card
  • Pros: No credit check on the prepaid card
  • Pros: A USD account with routing number and direct deposit
  • Pros: Apple Pay, Google Pay and Samsung Pay
  • Pros: Free Basic tier, no annual fee on the credit card
  • Pros: Up to 4.5% back in CRO or BTC

Cons

  • Cons: US residents only for its US cards
  • Cons: Rewards tied to a Level Up subscription or a CRO lockup
  • Cons: One card per person
  • Cons: 3% foreign transaction fee on most tiers
  • Cons: Applied for and managed in a mobile app

How much does the Crypto.com Card cost?

Basic tier
Free
Plus tier
$4.99/mo, or $49.90 a year
Pro tier
$29.99/mo, or $299.90 a year
Foreign purchases on most tiers
3%
Loading the prepaid card by credit card
2.99%

Is Crypto.com legit?

Company and country
Foris DAX, Inc., USA
Registration or licence
Fintech, not a bank. Registered money services business and state-licensed money transmitter, NMLS ID 1966158
Card issuer
Community Federal Savings Bank (prepaid), Comenity Capital Bank (credit)
Trustpilot
2.0/5 (9,481 reviews)
Founded
2016

What Crypto.com Card reviewers report

Rated 2.0/5 on Trustpilot from 9,481 reviews. The most common complaints:

Card disputes not raised

Complaints about disputed card charges that were not taken to Visa.

I have always had issues with this app…

“Now I have a charge from a random website, the payment was pending for 5 days in which I reached out and asked them to stop it. … They are now saying I authorised the payment and even after sending proof that I did not. They choose not to escalate my dispute to Visa.”

Trustpilot review, 8 July 2026

I used my crypto debit card. Buyer beware.

“I asked crypto.com for help. I received no help from crypto.com. Do not use the crypto debit card for purchasing, if you have an issue they will not provide support.”

Trustpilot review, 24 February 2026

Card support goes quiet

Users report lost and undelivered cards, and support chats that stop answering.

Stolen card and unresponsive customer support

“My Crypto.com card was stolen and subsequently blocked. … Customer support has now stopped responding to me in the chat, leaving me unable to use my card balance.”

Trustpilot review, 7 October 2026

Awful customer service experience

“I have ordered a physical card that has never been delivered. I’ve raised this problem with customer service on all channel available for months, they do not even bother to check any information sent.”

Trustpilot review, 17 September 2026

Card perks keep shrinking

Reports of card benefits removed from long-standing cardholders.

Have been a customer for years

“Have been a customer for years. On July 1st I suddenly lost most of my benefits.”

Trustpilot review, 7 July 2026

This app brings 0 value and try to milk you

“They treat old customer like myself like nobody's despite having a purple visa card. All the perks you could have are disapearing one after another.”

Trustpilot review, 30 January 2026

Want virtual cards for every merchant? Try Halocard

A US-issued Visa credit card that works like a debit card, with a separate virtual card for each merchant you pay. You choose the cardholder name and billing address on each card, and you sign up from any web browser.

Do what you'd use the Crypto.com Card for, with a card for each merchant.

Get Your Halocard
Halocard on a phone, with Halocard metal cards fanned behind it

How does Halocard compare to the Crypto.com Card?

Halocard is the better choice than the Crypto.com Card for most people. It is a US-issued Visa credit card for customers in the US and 120+ countries, with a separate card for each merchant and a billing address you choose on each one.

Better choice
Halocard		Crypto.com Card
EligibilityAdvantage: US residents and residents of 120+ countriesUS residents only for its US cards
Card typeAdvantage: US-issued Visa credit cardUS Visa prepaid card, or Visa Signature credit card
FundingAdvantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & CryptoCrypto, USD account, card or PayPal
USD bank accountAdvantage: Your own US account and routing numberA USD account in its app, with account and routing numbers
ControlsAdvantage: Per-card limits, custom name and billing addressFreeze in the app, limits set by tier
In-person paymentsAdvantage: Physical card, plus Apple Pay and Google PayPhysical card, plus Apple Pay, Google Pay and Samsung Pay
RewardsNo cashback, but a monthly referral commissionAdvantage: 1.5% to 4.5% back in CRO or BTC, by Level Up tier
PricingAdvantage: From $12 a month, or free with 3 referralsFree Basic tier; paid tiers from $4.99 a month or a CRO lockup
SupportAdvantage: Chat, email, and phone on every planIn-app chat and a phone line
Trust and transparencyAdvantage: A regulated US company and card issuerA named US company and banks; a low Trustpilot score
See Halocard as a Crypto.com Card alternative

Get a Halocard in under 5 minutes

Sign up from any web browser, with no app to install. Verify in under 3 minutes, add funds by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, and pay anywhere Visa is accepted.

Do what you'd use the Crypto.com Card for, with a separate card for each merchant.

Get Your Halocard
Halocard on a phone, with Halocard metal cards fanned behind it

Crypto.com Card FAQ

Is the Crypto.com Card legit?

Yes, in the sense that it is issued by named, regulated US banks: the prepaid card by Community Federal Savings Bank, Member FDIC, and the Visa Signature credit card by Comenity Capital Bank. Crypto.com's US business, Foris DAX, Inc., is a registered money services business. Customer service is the weak spot: Crypto.com is rated 2.0/5 on Trustpilot from 9,481 reviews, a profile that covers the whole platform, and recent reviewers describe long waits for a person in chat.

What is the Crypto.com Card?

It is the Visa card from Crypto.com, the crypto app and exchange. In the US it comes in two forms: a prepaid Visa card, which needs no credit check, and a Visa Signature credit card, which needs a credit check and approval. Rewards are paid in CRO, or in CRO or BTC on the credit card, according to your Level Up tier, and both cards are applied for and managed in the Crypto.com mobile app.

What fees does the Crypto.com Card charge?

The Basic Level Up tier is free, Plus is $4.99 a month or $49.90 a year, and Pro is $29.99 a month or $299.90 a year; each can be unlocked with a 12-month CRO lockup instead, $500 for Plus and $5,000 for Pro, and the Private tiers need $50,000 or more. The credit card has no annual fee. Other costs on the prepaid card are 3% on foreign purchases on most tiers, 1% by debit card, 2.99% by credit card and 2.1% by PayPal to load, 2% on ATM cash above the free allowance, a physical card at $4.99 on Midnight Blue and $29.99 on Ruby Steel, and $5.95 a month after 12 months without activity. The credit card's APR is 17.49% to 31.49%, with late fees of up to $41.

Does the Crypto.com Card require a credit check?

Not the prepaid card, which is Crypto.com's base card. The Visa Signature credit card needs a credit check and approval, though its prequalification check is a soft inquiry that does not affect your credit score.

Who issues the Crypto.com Card?

The prepaid card is issued by Community Federal Savings Bank, Member FDIC, with Foris, Inc. as its program manager. The Visa Signature credit card is issued by Comenity Capital Bank. Halocard cards are issued by Third National, a Non-Bank Principal Member of the Visa Network.

How do Crypto.com Card rewards work?

Rewards depend on your Level Up tier. The credit card pays 1.5% on Basic, 3.5% on Plus, 4.5% on Pro and up to 6% on the Private tiers, in CRO or in BTC, which is capped each month at a tier-based amount, $250 on Basic, and pays less above it. The prepaid card pays nothing on Basic, 1.5% on the first $750 a month on Plus and 2.5% on the first $1,500 on Pro. Rewards are paid in tokens at the market price when you spend, and Crypto.com's terms say they may change at any time.

Does the Crypto.com Card hold crypto?

No. Its cardholder agreement says only US dollars are held on the prepaid card and that no cryptocurrency debits, credits or balances take place on it, so crypto is converted to dollars before it is loaded.

How do you fund the Crypto.com Card?

You top up the prepaid card in the Crypto.com app from your crypto, your USD account, another debit or credit card, or PayPal, and its cardholder agreement lists 1% by debit card, 2.99% by credit card and 2.1% by PayPal. Its USD account takes ACH, wires and payroll direct deposit. You pay the credit card's balance from the app. Halocard takes debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.

Does the Crypto.com Card work with Apple Pay and Google Pay?

Yes. Crypto.com's help centre says US-issued virtual cards can be added to Apple Pay, Google Pay and Samsung Pay, while point-of-sale and ATM use needs the physical card. Every Halocard can be added to Apple Pay and Google Pay too, and both can fund your Halocard balance.

What are the Crypto.com Card ATM fees?

ATM withdrawals on the prepaid card are free up to $200 a month on Midnight Blue, with a higher free allowance on higher tiers, then cost 2%. Monthly ATM withdrawal caps apply by tier.

Is the Crypto.com Card a prepaid card or a credit card?

Both exist in the US. The prepaid Visa card holds US dollars and its cardholder agreement says it is not a credit card; the Visa Signature card is a credit card. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check.

Can you use the Crypto.com Card outside the US?

The US prepaid card asks for a US mailing address, and the credit card is available only to US users. Crypto.com lists separate fees and limits for Australia, Singapore, the UK, Europe and Bahrain and select GCC markets, so its cards differ by region. A US card charges 3% on foreign purchases on most tiers. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries.

How many Crypto.com Cards can you have?

One. Crypto.com's help centre says it issues one card per person, and its cardholder agreement does not allow secondary cards.

What is the Crypto.com One-Time Card?

A separate feature in the Crypto.com app: a virtual card for one purchase at a listed online retailer, available to US app users and paid from your crypto. Its help centre says it works for a single purchase, closes after 14 days, is not meant for subscriptions and can't be added to Apple Pay or Google Pay.

Sources

  • Crypto.com, Visa Signature Credit Card (US): crypto.com/us/cards
  • Crypto.com, Prepaid Visa Card (US): crypto.com/us/cards/prepaidcard
  • Crypto.com, Prepaid Visa Cardholder Agreement: crypto.com/document/us_card
  • Crypto.com, Visa Signature Credit Card Level Up Rewards Program Terms: crypto.com/document/us_credit_card
  • Comenity Capital Bank, Crypto.com Visa Signature Credit Card agreement: d.comenity.net/legaldocs/cryptocom/legal-documents/cca
  • Crypto.com, Level Up: crypto.com/us/levelup
  • Crypto.com Help Center, Prepaid Visa Card fees and limits (United States): help.crypto.com/en/articles/5966563-crypto-com-visa-card-fees-and-limits-united-states
  • Crypto.com Help Center, Prepaid Card rewards and benefits: help.crypto.com/en/articles/2742447-crypto-com-prepaid-visa-card-rewards-benefits
  • Crypto.com Help Center, Applying for a Visa Signature Credit Card: help.crypto.com/en/articles/11502058-applying-for-a-crypto-com-visa-signature-credit-card
  • Crypto.com Help Center, Visa Signature Credit Card BTC rewards: help.crypto.com/en/articles/15112463-crypto-com-visa-signature-credit-card-btc-rewards
  • Crypto.com Help Center, Virtual card: help.crypto.com/en/articles/5199888-virtual-card
  • Crypto.com Help Center, Additional details about the Prepaid Card: help.crypto.com/en/articles/1341683-what-additional-details-should-i-know-about-my-crypto-com-prepaid-card
  • Crypto.com Help Center, One-Time Card: help.crypto.com/en/articles/6890212-one-time-card
  • Crypto.com Help Center, USD deposits via ACH bank transfer: help.crypto.com/en/articles/2933106-usd-deposits-via-ach-bank-transfer
  • Crypto.com Help Center, USD deposits via wire bank transfers: help.crypto.com/en/articles/4559573-usd-deposits-via-wire-bank-transfers
  • Crypto.com Help Center, Early direct deposit: help.crypto.com/en/articles/5938458-early-direct-deposit
  • Crypto.com, Wallet terms and conditions: crypto.com/document/van
  • Crypto.com, App and Web U.S. Terms and Conditions: crypto.com/document/entity_us.pdf
  • Crypto.com, U.S. licences and registrations: crypto.com/document/legal_us.pdf
  • Crypto.com, about us: crypto.com/us/about
  • Crypto.com, company news: crypto.com/en/company-news/cryptocom-announces-400-million-strategic-investment-from-citadel-securities
  • Trustpilot, Crypto.com reviews: trustpilot.com/review/crypto.com

Disclaimer

Based on public information as of October 2026 (see Sources above); Crypto.com's products, fees and terms may change, so check before you decide. Halocard publishes this page and makes one of the products compared, so verdicts and ticks are our opinion. Crypto.com, its product names and its logos are trademarks of their respective owners. Their use here does not imply any affiliation with, sponsorship by or endorsement from Crypto.com. Quoted reviews are verbatim Trustpilot excerpts of individual experiences, not verified by us. Not financial, legal or tax advice.

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