Looking for a crypto debit card that pays you back? The Crypto.com Visa Card remains one of the most popular crypto cards in 2025, offering cashback rewards, referral bonuses, and perks for CRO token holders. But is it the best choice for your crypto spending?
In this guide, we break down how the Crypto.com Visa Card works, what rewards and fees to expect, and why many users are switching to Oobit as a better alternative.
Crypto.com Credit Card: Visa Card Offers & Referral Bonuses
Crypto.com offers multiple Visa card tiers, each with different CRO staking requirements and benefits. The higher your stake, the more rewards you unlock:
- Midnight Blue (Free) - 1% cashback, no staking required
- Ruby Steel - 2% cashback, $400 CRO stake
- Royal Indigo / Jade Green - 3% cashback, $4,000 CRO stake
- Icy White / Frosted Rose Gold - 5% cashback, $40,000 CRO stake
- Obsidian - 8% cashback, $400,000 CRO stake
Referral bonus: New users can earn up to $50 by using a Crypto.com referral code when signing up and staking CRO. The referral code must be applied at the point of sign-up, and only one code can be entered per account. The bonus is credited in CRO tokens after you complete all required steps. Participants must follow the terms and conditions of the referral program to be eligible. You must complete all necessary actions to claim the bonus, and the bonus is distributed in CRO tokens once the conditions are met. There is a specific period after account creation during which the bonus can be claimed. Be sure to check the official Crypto.com website for the latest information and details about the referral program.
Introduction to Crypto.com
Crypto.com stands out as a leading cryptocurrency exchange, offering a comprehensive suite of services designed to make crypto accessible to everyone. Through its intuitive app, users can easily buy, sell, and stake a wide range of cryptocurrencies, all while enjoying competitive exchange rates. One of the platform’s most popular offerings is the Crypto.com Visa Card, which allows users to spend their crypto assets just like fiat currency at millions of merchants worldwide. New users who sign up with a referral code, such as “nftevening,” can earn a $50 bonus in CRO tokens after completing the required staking. Whether you’re looking to earn rewards, manage your crypto portfolio, or take advantage of exclusive card benefits, Crypto.com provides a secure and user-friendly experience tailored to both beginners and seasoned crypto enthusiasts.
Crypto.com Card Tiers: Which One Fits You?
Crypto.com offers a variety of card tiers, each designed to suit different spending habits and reward preferences. From the entry-level Midnight Blue to the premium Obsidian and Prime cards, users can select a card tier that matches their lifestyle and investment goals. For example, the Ruby Steel card requires a $400 CRO stake and rewards users with 2% CRO rewards on every purchase. As you increase your CRO stake, you unlock higher card tiers with enhanced benefits, such as greater cashback rates and exclusive perks. Existing users can upgrade their card by increasing their CRO stake at any time, making it easy to access more rewards as your needs evolve. Card issuance is subject to local financial regulations, so availability and requirements may vary depending on your region. With each tier, Crypto.com offers a tailored set of rewards and benefits to help users get the most out of their crypto spending.
Crypto.com Card Features: What Sets It Apart?
The Crypto.com Visa Card is a versatile prepaid card that empowers users to spend both fiat currency, like USD, and cryptocurrencies with ease. Cardholders benefit from competitive exchange rates on every transaction, whether making purchases or withdrawing cash from ATMs. One of the standout features is the CRO rewards program, which provides rebates on popular services such as Spotify and Netflix, depending on your card tier. Users can also earn additional CRO tokens by completing tasks like KYC verification and staking CRO, further enhancing the value of the card. Each card tier comes with its own set of benefits, allowing users to choose the level of rewards and perks that best fit their lifestyle. With its robust rewards program and flexible funding options, the Crypto.com Visa Card offers a compelling way to maximize your crypto assets in everyday life.
How the Crypto.com Visa Card Works
Once approved, the card lets you:
- Spend crypto like fiat at any Visa-accepting merchant. Unlike a debit card, which is directly linked to your bank account, the Crypto.com Visa Card is a prepaid card that must be loaded with crypto or fiat before use.
- Receive instant cashback in CRO tokens
- Use ATM withdrawals and top-up via bank transfer or crypto wallet. Funds must be deposited into your account before you can stake CRO or use the card for transactions.
You’ll need to pass KYC verification and stake CRO tokens to access higher-tier benefits. During KYC, users must submit their personal details and identification documents for verification. After your account is created, you must continue with additional verification steps before gaining full access to all features.
Card issuance is coordinated with licensed financial institutions to ensure regulatory compliance.
Fees & Limitations to Watch For
While the card sounds generous, be mindful of the following:
- CRO staking is required for top-tier rewards and must remain locked for 180 days
- Cashback is paid in CRO, which can be volatile
- Monthly free ATM withdrawals and foreign exchange limits apply
- Additional fees may apply if you don’t maintain your staking tier
- Some rewards, merchant rebates, or referral bonuses may expire if not used within a specified period—check the terms and conditions for details
To remain eligible for rewards, always follow the program's rules and guidelines.
Free Crypto.com Visa Card: Is It Worth It?
The Midnight Blue card is free and requires no CRO staking. However, it only offers 1% cashback and lacks premium benefits like Spotify or Netflix reimbursements. The free card gives new users a chance to experience Crypto.com rewards with minimal commitment. The Midnight Blue card is ideal for a person who prefers not to stake CRO but still wants to try the platform.
Unless you’re ready to lock up significant capital in CRO, the higher-tier cards may not deliver enough value to justify the cost—especially in a bear market.
Managing Your Crypto.com Account
Managing your Crypto.com account is straightforward with the dedicated app, available for download on both iOS and Android devices. After signing in, users can easily monitor their account balance, review transaction history, and track CRO rewards earned from card spending. The app also enables you to deposit funds in fiat or cryptocurrencies, stake CRO to unlock higher card tiers, and apply for a Visa Card directly from your mobile device. Completing the KYC verification process is simple—just provide valid identification documents and confirm your phone number within the app. Once your KYC is completed, you’ll unlock additional features and benefits, including higher transaction limits and access to exclusive rewards. The Crypto.com app is designed to provide a seamless, user-friendly experience, making it easy for users to manage their crypto finances and maximize the benefits of their Visa Card.
Oobit: The Best Crypto Card Alternative in 2025
If you want a simpler, more rewarding crypto card, Oobit is gaining traction in 2025 as a top alternative to Crypto.com:
- No staking required
- Up to 5X cashback on every purchase
- Instant Tap & Pay with crypto at millions of retailers
- Zero fees - no annual, foreign exchange, or withdrawal fees
- Fast onboarding with full KYC support
Oobit’s model eliminates the need to lock tokens or worry about CRO price fluctuations.
Try Oobit: Tap & Pay with Crypto, Instantly
Crypto is evolving—and so are crypto cards. With Oobit, you can enjoy seamless spending, higher rewards, and no hidden fees.
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FAQs About Crypto Cards & Oobit
Is the Crypto.com Visa Card still worth it in 2025? It depends. If you already hold CRO and want premium perks, it might be. But alternatives like Oobit offer better value without locking up capital.
How do I get the Crypto.com referral bonus? Sign up with a referral code and stake the required CRO amount to unlock up to $50.
Does Oobit require KYC? Yes, Oobit offers fast and compliant KYC onboarding to ensure secure crypto payments.
Can I use Oobit worldwide? Yes—Oobit works globally wherever Visa is accepted.