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Updated for August 2026

Crypto.com Midnight Blue vs Crypto.com

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

Crypto.com Midnight Blue#1
VisaDebit
Crypto.com Midnight Blue card
Cashback
Up to 5%
Monthly fee
None
Our score
3.4
Get Crypto.com Midnight Blue
Crypto.com#2
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com

The bottom line

Choose Crypto.com Midnight Blue if…

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

Up to 5% cashbackNo monthly fee3.4★ rating

Choose Crypto.com if…

you want a no-fee prepaid card with solid everyday value.

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

All about Crypto.com Midnight Blue

Crypto.com Midnight Blue card
Get Crypto.com Midnight Blue

Crypto.com Obsidian

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Get Crypto.com Obsidian

Main perks

Monthly feeNone
CashbackUp to 5%
FX fee2%
Savings0.0
ATM fee2%
Currencies24
Supported countries29
Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
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Bonus offers

25 USD bonus

No current bonus offer.

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Rewards

Cashback rate (Ruby Steel, free entry tier)1%
Monthly cashback cap (Ruby Steel)€20
Cashback paid inCRO
Unlimited cashback available
Welcome bonus
Lounge access (entry tier)
Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
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Pros

  • €25,000 daily spend limit
  • Virtual card free
  • Works across 29 European countries
  • Apple Pay supported
  • 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
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Cons

  • 2% FX fee on non-base currency spending
  • Entry cashback capped at €20 per month
  • Top cashback rates require massive CRO lockups
  • €5 physical card issuance fee
  • €5 monthly inactivity fee
  • Custodial
  • No IBAN or personal bank account
  • Manual preload required, no auto-conversion
  • 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
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Options to Crypto.com Midnight Blue

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