Crypto.com Visa Card Icy White / Frosted Rose Gold
A plan byCrypto.com Visa Card · Visa
Crypto.com's Visa card comes in 5 tiers (from Midnight Blue to Obsidian): zero FX markup, free ATM withdrawals up to a cap and CRO cashback that climbs to 5% on the higher tiers. The high cashback, however, requires locking CRO in staking — tying up capital and exposing you to the token's price risk.
Icy White / Frosted Rose Gold
- Price
- Free
- Issuance fee
- Free
- FX markup
- 0%
- Cashback
- 5%
- Cashback currency
- CRO
- Required staking
- €45.000 in CRO bloccati 12 mesi
- ATM fee
- 2%
- ATM limit
- $400–$1.000/mese free
- Net annual cost
- Free
- Required CRO staking
- €40,000
What's included
- 0% FX
- Spotify+Netflix+Prime
- Unlimited lounge
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | €400–1,000/month free, then 2% |
| ATM withdrawal | 2% |
| FX markup | 0% |
| Cashback | 5% in CRO · Staking CRO per i tier oltre il 1% |
| On-chain settlement | No |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | US, EEA, UK, APAC, LATAM, MENA · 90+ countries |
| Funding / solidity | 100M+ utenti · $1,5B ricavi |
| Estimated net annual cost | €0/year |
| Regulator | MFSA |
| OAM Italy registration | Yes |
| Segment | B2C |
| Funding / solidity | 100M+ users · $1.5B revenue |
| MiCA / License status | MiCAMASVASP MiCA CASP (Malta) · MAS (SG) · VASP |
Strengths
- Zero FX markup (0%)
- Up to 5% CRO cashback on higher tiers
- Free card, no mandatory fee
- Free ATM withdrawals within the monthly cap
- No notable sovereignty advantage documented.
Weaknesses
- High cashback requires CRO staking: locked capital and price risk
- Staking lock-up of up to 180 days
- Tier cashback cut versus launch levels (2022-23)
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (MiCA CASP (Malta) · MAS (SG) · VASP): reporting to authorities and freezes on order.
Verdict
Crypto.com's Visa card comes in 5 tiers (from Midnight Blue to Obsidian): zero FX markup, free ATM withdrawals up to a cap and CRO cashback that climbs to 5% on the higher tiers. The high cashback, however, requires locking CRO in staking — tying up capital and exposing you to the token's price risk.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
How much cashback does the Crypto.com Visa Card really give?
The entry tier (Midnight Blue) gives 0%; reaching 5% requires staking roughly €40,000 worth of CRO.
Does the Crypto.com Visa Card have a fee?
No, the card is free: there is no issuance or annual fee. Any cost comes from the CRO staking needed for the higher cashback tiers.
Sources
- Official service page Plans & pricing · Regulatory framework Data verified on Jun 14, 2026
- financemagnates.com Trust & safety Data verified on Jun 14, 2026
- hackerone.com Trust & safety Data verified on Jun 14, 2026
- ir.ipstrategy.co Issuer Data verified on Jun 14, 2026
Show 6 more sources
- learncrypto.com Data verified on Jun 14, 2026
- nutsaboutmoney.com Company profile Data verified on Jun 14, 2026
- princeoftravel.com Tier.Ruby Steel.cashback cap eur · Tier.Royal Indigo / Jade Green.cashback cap eur · Tier.Icy White / Frosted Rose Gold.cashback cap eur · Tier.Obsidian.cashback cap eur Data verified on Jun 14, 2026
- therecord.media Regulatory framework Data verified on Jun 14, 2026
- trustpilot.com Trust & safety Data verified on Jun 14, 2026
- usnews.com Tier.Ruby Steel.cashback cap eur · Tier.Royal Indigo / Jade Green.cashback cap eur Data verified on Jun 14, 2026