Crypto.com Card Review – Still Popular in 2025?
Is the Crypto.com Visa Card still worth it in 2025? Learn about cashback tiers, CRO staking rewards, fees, and how it compares to Bybit and Binance cards.
Hey, it’s Lanzo 👋
A few years ago, the Crypto.com Visa Card was the hottest thing in crypto — metal card, Netflix cashback, airport lounges… the works.
But after multiple reward cuts and CRO token changes, many users started asking — is it still worth it in 2025?
In this guide, you’ll learn:
- How the Crypto.com Card works today
- CRO staking requirements and cashback tiers
- Fees, limits, and hidden downsides
- Why it’s lost popularity over time
- The best alternatives (like Bybit & Binance Cards)
- Whether it’s still worth applying in 2025
Let’s break it down 👇
How the Crypto.com Card Works 💳
The Crypto.com Visa Card is a prepaid card that lets you spend crypto anywhere Visa is accepted.
You top it up using your Crypto.com account — converting crypto to fiat (EUR, GBP, or USD) before spending.
It was originally famous for offering up to 8% cashback in CRO, Spotify & Netflix reimbursements, and airport lounge access.
However, those perks have changed significantly.
In 2025, the card remains functional and sleek — but the rewards system has tightened, and staking CRO is now required for almost every benefit.
Related: Bybit Card Review – Pros & Cons
Current Cashback Tiers (2025 Update) 🪙
Cashback and perks depend on how much CRO you stake in the Crypto.com app.
Here’s how the system looks in 2025:
| Card Tier | CRO Stake / Subscription | Cashback | Monthly Cap | Perks |
|---|---|---|---|---|
| Midnight Blue | Free | 0% | — | Free card, no perks |
| Ruby Steel | $4.99/month or $500 CRO stake | 2% | $25 | Basic tier |
| Royal Indigo / Jade Green | $29.99/month or $5,000 CRO stake | 3% | $75 | Spotify, Crypto.com Earn access |
| Icy White / Rose Gold | $50,000 CRO stake (12 months) | 4% | No limit | LoungeKey, Netflix |
| Obsidian Black | $500,000 CRO stake (12 months) | 5% | No limit | Full perks, private rewards |
| Prime | $1,000,000 CRO stake (12 months) | 8% | No limit | VIP concierge & exclusive benefits |
All cashback is paid in CRO tokens, credited instantly.
The staking lock period is 12 months, after which you can unstake (but you’ll lose perks).
💡 Lanzo Tip: If you unstake your CRO, your cashback drops immediately. Keep an eye on staking renewal dates to avoid sudden cuts.
Fees & Limits 💰
Crypto.com’s card is free to order and ship, but comes with certain usage limits:
| Feature | Limit / Fee (2025) |
|---|---|
| Free ATM Withdrawals | $200–$1,000 per month (depends on tier) |
| ATM Withdrawal Cap | $5,000–$10,000 per month |
| ATM Fee After Limit | 2% |
| Aggregated Top-Up Limit | $25,000 per month |
| Top-Up Fee | Free (crypto or fiat) |
| Reissue Fee | $50 |
| Card Type | Visa Debit (Metal) |
Based on Crypto.com global card data (Q4 2025). USD limits apply for both EU and international users.
On the bright side — there’s no monthly fee, and it integrates seamlessly with Apple Pay and Google Pay in supported regions.
However, the real trade-off is that you need to stake significant amounts of CRO to get meaningful rewards — and CRO itself has been volatile since 2022.
Why It Lost Popularity 📉
Crypto.com’s card was revolutionary when it launched — but many users left after multiple reward cuts between 2022 and 2024.
Here’s what changed:
- Cashback dropped from 8% → 5% (top tier only)
- Lounge access removed for lower tiers
- Netflix & Spotify only for stakers (4,000+ USD)
- CRO rewards capped monthly
- Withdrawal and interbank limits tightened
The company pivoted toward compliance, sustainability, and profitability, but that meant fewer freebies for users.
⚠️ Lanzo Warning: If you’re only after cashback, this card is no longer a top contender. But if you’re already staking CRO long-term, it still makes sense.
The Good Stuff 👍
Despite the downsides, Crypto.com still offers:
✅ Global availability — supports 40+ countries
✅ Metal cards with premium design
✅ Instant CRO rewards
✅ Integrated app for staking, earn, and NFTs
✅ Apple Pay & Google Pay support
and for loyal CRO users, the ecosystem remains well integrated — you can stake, swap, and spend in one place.
The Not-So-Good Stuff 👎
❌ Lower cashback vs competitors (Bybit, Binance)
❌ Locked staking requirement
❌ Volatile CRO token
❌ Monthly caps and changing terms
❌ Lounge access no longer included for mid-tiers
For most casual crypto users, these changes made the card less attractive than newer alternatives like Bybit Card, which offers up to 10% stable USDT cashback without token staking.
Comparing Crypto Cards (2025 Edition) ⚖️
| Feature | Bybit Card | Binance Card | Crypto.com Card |
|---|---|---|---|
| Cashback | Up to 10% | Up to 8–10% | Up to 5% |
| Payout Type | USDT | BNB | CRO |
| Requires Staking | ❌ | ✅ (BNB) | ✅ (CRO) |
| Availability | EU & Global | EU | Global |
| Cashback Stability | High | Medium | Low |
| Setup Speed | Fast | Medium | Slow |
| Mobile App UX | Excellent | Good | Good |
💡 Lanzo Tip:
For most people in 2025, Bybit Card offers the most stable cashback experience, while Crypto.com Card mainly benefits long-term CRO holders or existing ecosystem users.
Who Should Use It in 2025? 🧩
The Crypto.com Card still makes sense if:
- You’re already staking CRO and using the Crypto.com app daily
- You want an all-in-one app for trading, staking, and spending
- You value the brand and metal design
Otherwise — if you’re after simple cashback or low-fee usability, the Bybit Card gives better real-world value.
Why I Recommend Bybit Over Crypto.com 💳
Crypto.com walked so others could run — but Bybit took the formula and improved it.
| Feature | Bybit Card | Crypto.com Card |
|---|---|---|
| Cashback Basis | Spending tiers | CRO staking tiers |
| Rewards Token | USDT | CRO |
| Max Cashback | 10% | 8% |
| Card Setup | Fast & free | Requires CRO lock-up |
| Reward Stability | Very High | Volatile |
| Ease of Use | Simple | Complex |
| Ideal For | Everyday users | CRO investors |
💡 Lanzo Tip:
I recommend the Bybit Card for anyone new to crypto cards.
You earn cashback in stablecoins, no staking, and the setup is instant — perfect for real-world spending in 2025.
TL;DR 📌
- Crypto.com Card still works but rewards are smaller.
- Cashback up to 5% (requires heavy CRO staking).
- Lounge perks mostly removed.
- CRO volatility reduces real reward value.
- Bybit Card offers higher, stable cashback with no lockups.
- Ideal only if you’re already in the Crypto.com ecosystem.
FAQ
Only if you already hold and stake CRO. Otherwise, newer cards like Bybit offer higher, stable cashback without token lockups.
Recommended Alternatives 🔐
Trade & Earn with Bybit
Bybit Card lets you spend crypto globally with up to 10% stable cashback — no staking required.
This is an affiliate link. If you buy, Lanzo may earn a commission at no extra cost to you.
Ledger Nano™ Gen5 — Secure Your Crypto
Store your CRO, BTC, and altcoins safely offline with the EAL6+ CL7 certified Ledger Nano Gen5 hardware wallet.
This is an affiliate link. If you buy, Lanzo may earn a commission at no extra cost to you.
NGRAVE ZERO — Premium Cold Wallet
Keep your crypto safe with a fully offline, EAL7 CL7-certified cold wallet — ideal for long-term holders.
This is an affiliate link. If you buy, Lanzo may earn a commission at no extra cost to you.
CoinLedger — Track Crypto Card Spending
Import your Crypto.com and Bybit Card transactions for easy portfolio and tax tracking. Use code **CRYPTOTAX10** for 10% off.
This is an affiliate link. If you buy, Lanzo may earn a commission at no extra cost to you.
⚡ Lanzo Tip: The Crypto.com Card started the crypto cashback revolution — but in 2025, Bybit leads it. Always choose stable rewards over staking risks.
⚠️ This post is for educational purposes only and does not constitute financial advice.
(This post contains affiliate links — supporting Lanzo at no extra cost to you.)
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Not financial advice. Based on public sources. As of today.