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Updated for August 2026

Crypto.com vs Crypto.com Ruby Steel

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

Crypto.com#1
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com
Crypto.com Ruby Steel#2
VisaPrepaid
Crypto.com Ruby Steel card
Cashback
2%
Monthly fee
€3.99/month
Our score
2.7
Get Crypto.com Ruby Steel

The bottom line

Choose Crypto.com if…

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

5% cashbackNo monthly fee2.2★ rating

Choose Crypto.com Ruby Steel if…

you want our top-rated pick here — it scores 2.7/5 with our editors.

2% cashback€3.99/month/mo2.7★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Crypto.com Ruby Steel logoCrypto.com Ruby Steel

All about Crypto.com Obsidian

Drop video / image
Get Crypto.com Obsidian

Crypto.com Ruby Steel

Crypto.com Ruby Steel card
Get Crypto.com Ruby Steel

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly fee€3.99/month
Cashback2%
FX fee0%
SavingsNone
ATM feeFree to €400/mo, then 2%
Currencies1
Supported countries29
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Bonus offers

No current bonus offer.

No current bonus offer.

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Everyday spending2%
Monthly rewards cap$25
Travel spendingUp to 5% (coming soon)
Free ATM withdrawals€400/mo
Spotify and Truth+ rebates3 months
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Pros

  • 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
  • 2% back in CRO on everyday spending
  • €400 free ATM withdrawals monthly
  • Three months of Spotify and Truth+ rebates
  • Stake or subscribe to qualify
  • Yearly billing saves 16%
—

Cons

  • 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
  • Rewards capped at $25 a month
  • Monthly subscription required
  • No lounge access
  • No priority support
  • Rewards paid in CRO only
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Options to Crypto.com

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