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Updated for August 2026

Based Card vs Crypto.com

Two no-fee crypto cards, head to head. Here’s how they stack up.

Based Card#1
VisaDebit
Based Card card
Cashback
Up to 2%
Monthly fee
None
Our score
2.9
Get Based Card
Crypto.com#2
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com

The bottom line

Choose Based Card if…

you want our top-rated pick here — it scores 2.9/5 with our editors.

Up to 2% cashbackNo monthly fee2.9★ rating

Choose Crypto.com if…

you want the highest cashback in this matchup — earn 5% back on everyday spend.

5% cashbackNo monthly fee2.2★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Based Card logoBased Card
vs.Crypto.com logoCrypto.com Obsidian

All about Based Card

Based Card card
Get Based Card

Crypto.com Obsidian

Drop video / image
Get Crypto.com Obsidian

Main perks

Monthly feeNone
CashbackUp to 2%
FX fee1.5%
Savings0.0
ATM fee—
Currencies6
Supported countries175
Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
—

Bonus offers

the physical card

No current bonus offer.

—

Rewards

Cashback rate (Hype tier, staking required)2%
Monthly cashback cap (Hype tier)$20
Cashback on free/Orange tier
Cashback paid in $BASED tokens—
Welcome bonus
Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
—

Pros

  • Non-custodial card
  • No monthly fee
  • Free virtual card
  • Wide 176-country availability
  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
—

Cons

  • Physical card costs $50
  • ATM withdrawals not available
  • 1% conversion fee on every spend
  • 1.5% FX fee at default paid tier
  • 2% cashback requires ~$941 staked
  • $20/month cashback cap at entry tier
  • $5 inactivity fee
  • Cashback paid in volatile $BASED token
  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
—

Options to Based Card

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card