Crypto.com is a Singapore-based cryptocurrency exchange and financial services platform operated by Foris DAX Asia, originally founded in 2016 as Monaco and rebranded to Crypto.com in 2018. The company holds a Major Payment Institution licence from the Monetary Authority of Singapore and operates regulated entities across multiple jurisdictions.
The Crypto.com US Credit Card is a crypto credit card offered by Crypto.com, available in US (49 states, excl. NY). It offers 1.5-6.5% CRO cashback across 5 reward tiers, giving users the ability to earn higher rates as they increase their commitment. There is no annual fee to hold this card.
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. It runs on the Visa network and requires full identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Midnight (Basic) | 1.5% | Free, no CRO lockup |
| Ruby Steel (Plus) | 3.5% | $4.99/mo or $49.90/yr OR $500 CRO 12-month lockup |
| Jade/Indigo (Pro) | 4.5% | $29.99/mo or $299.99/yr OR $5,000 CRO 12-month lockup |
| Icy/Rose (Private) | 5% | $50,000 CRO 12-month lockup (no subscription option) |
| Obsidian (Private) | 5% | $500,000 CRO 12-month lockup (6.5% intro first 12 months, 5% ongoing) |
Note: US-specific true credit card via Bread Financial. Separate from global prepaid debit card. Uncapped CRO rewards. Level Up program (Sept 2, 2025 revamp) with lifestyle perks (Spotify, Netflix). Welcome bonus up to $300. State availability: subject to jurisdictional limitations (no authoritative excluded-states list published). Obsidian tier: 6.5% intro applies first 12 months only, then reverts to 5% ongoing.
Other crypto cards in the same region or category that may suit your spending profile:
The Crypto.com US Credit Card is a crypto credit card offered by Crypto.com. It is available in US (49 states, excl. NY) and allows users to spend cryptocurrency at merchants worldwide.
The Crypto.com US Credit Card offers 1.5-6.5% CRO cashback. There are 5 tiers: Midnight (Basic) (1.5%), Ruby Steel (Plus) (3.5%), Jade/Indigo (Pro) (4.5%), Icy/Rose (Private) (5%), Obsidian (Private) (5%).
The Crypto.com US Credit Card has an annual fee of $0. Additional fees: Inactivity: $4.95/mo after 12 months.
The Crypto.com US Credit Card is available in US (49 states, excl. NY). Its availability status is "US".
The Crypto.com US Credit Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Crypto.com US Credit Card supports Apple Pay and Google Pay and Samsung Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.