by Crypto.com ยท Updated 2026-03-16
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 rewards on purchases. The card features 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. As a true credit card, you can spend on credit without pre-funding with crypto. It runs on the Visa network and requires full identity verification.
| Tier | Rate | Requirement |
|---|---|---|
| Midnight | 1.5% | Free, no CRO stake |
| Ruby | 3.5% | $4.99/mo or $49.90/yr, or $500 CRO stake |
| Indigo/Jade | 4.5% | $29.99/mo or $299.90/yr, $5K CRO stake |
| Icy/Rose | 5% | Higher CRO stake |
| Obsidian | 6.5% | Highest CRO stake (6.5% first 12 months, 5% after) |
Note: US-specific true credit card via Bread Financial. Separate from global prepaid debit card. Uncapped CRO rewards. Level Up program with lifestyle perks (Spotify, Netflix). Welcome bonus up to $300. NOT available in NY. Obsidian tier: 6.5% first 12 months, 5% thereafter.
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 (1.5%), Ruby (3.5%), Indigo/Jade (4.5%), Icy/Rose (5%), Obsidian (6.5%).
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.