Crypto.com Visa Signature® Credit Card
- Best for: Crypto.com customers already on a paid or locked-up Level Up tier
- What Sets It Apart: Up to 6% back in bitcoin or CRO with no annual fee
- Welcome Offer: $100 in CRO after $1,500 in purchases in the first 90 days on Basic; $300 after $5,000 on Pro and Private
- Rewards: 1.5% on Basic (free); 3.5% on Plus ($4.99 a month or $500 of CRO locked up); 4.5% on Pro ($29.99 or $5,000); 5% or 6% on Private ($50,000 or $500,000 of CRO); bitcoin capped monthly, then 1% or 2%
- Features: Spotify and Netflix rebates up to $13.99 a month (3 months on Plus, 6 on Pro, ongoing on Private); Priority Pass on Private, two visits a year on Pro
- Annual Fee: $0
- APR: 17.74%, 25.74%, or 31.74% variable, based on creditworthiness
- Cost: 5% balance transfer fee; 3% foreign transaction fee; 5% cash advance fee; late fee up to $41
- Eligibility: A Crypto.com app account, in any state but New York
- Pros: No card fee at any tier; bitcoin or CRO rewards; rebates and lounge visits on paid tiers
- Cons: 1.5% on the free tier; higher rates take a fee or locked-up CRO; CRO’s price swings
Get the Crypto.com Visa Signature® Credit Card if you already pay for Crypto.com’s Plus or Pro plan or keep $500 or more of CRO locked up there, since those tiers earn 3.5% or more with no card fee. On the free Basic tier it pays 1.5% in crypto, less than a no-fee 2% cash back card.
Comenity Capital Bank, part of Bread Financial, issues the card to Crypto.com app users, and Crypto.com pays its rewards in bitcoin or the Cronos token (CRO) at a rate set by your tier in its Level Up program.
Key Features
- $0 annual fee and a 3% foreign transaction fee
- 1.5% back on Basic, 3.5% on Plus ($4.99 a month or $500 of CRO locked up), and 4.5% on Pro ($29.99 a month or $5,000 locked up)
- 5% or 6% on Private, which takes $50,000 or $500,000 of CRO locked up
- Uncapped CRO rewards, or bitcoin on the first $250 to $10,000 of monthly spending by tier, then 1% or 2%
- Welcome bonus of $100 in CRO after $1,500 of purchases in the first 90 days, or $300 after $5,000 on Pro and Private
Pros
- Bitcoin rewards for anyone who would rather not hold CRO
- Spotify and Netflix rebates up to $13.99 a month, for three months on Plus, six on Pro, and with no end on Private
- Priority Pass lounge visits on Private, and two a year on Pro paid yearly or with CRO locked up
Cons
- Basic’s 1.5% trails no-fee cards that pay a flat 2% in cash
- Locking up CRO for a tier ties $500 or more to one coin for a year, sensible only if crypto belongs in your portfolio
- CRO lost about 62% of its value in the year to November 2026, by CoinGecko’s count
- By our math, Pro’s extra 1% earns back its extra $25 a month over Plus only past $2,500 of monthly spending in CRO, and never in bitcoin
Crypto.com customers already in a paid or locked-up tier collect 3.5% to 6% back with no card fee. Anyone who’d have to buy and lock up CRO for a good rate does better with a no-fee 2% cash back card and can buy bitcoin with the cash if they want it.
Learn more about the Crypto.com Visa Signature® Credit Card or see how it compares to the best crypto credit cards.
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