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Updated for August 2026

Crypto.com vs Cryptopay Card

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
Cryptopay Card#2
VisaPrepaid
Cryptopay Card card
Cashback
None
Monthly fee
1 USD/month
Our score
1.8
Get Cryptopay Card

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 Cryptopay Card if…

you want a balanced option with none cashback on the Visa network.

None cashback1 USD/month/mo1.8★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Cryptopay Card logoCryptopay Card

All about Crypto.com Obsidian

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Get Crypto.com Obsidian

Cryptopay Card

Cryptopay Card card
Get Cryptopay Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly fee1 USD/month
CashbackNone
FX fee3%
Savings0.0
ATM fee—
Currencies20
Supported countries1
—

Bonus offers

No current bonus offer.

the physical card

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback
Crypto rewards
Staking bonus
Welcome bonus
—

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
  • Apple Pay supported
  • 18 supported cryptocurrencies
  • High daily spend limit (30,000 EUR)
—

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
  • No cashback or rewards of any kind
  • £1 monthly fee
  • 3% FX fee on foreign currency transactions
  • 1.95% crypto conversion fee
  • £5 inactivity fee
  • Manual preload required, no auto-conversion
  • UK only
  • Custodial
—

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