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Updated for August 2026

Crypto.com vs Cypher 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
Cypher Card#2
MastercardPrepaid
Cypher Card card
Cashback
None
Monthly fee
None
Our score
3
Get Cypher 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 Cypher Card if…

you want our top-rated pick here — it scores 3/5 with our editors.

None cashbackNo monthly fee3★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Cypher Card logoCypher Card

All about Crypto.com Obsidian

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Cypher Card

Cypher Card card
Get Cypher Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackNone
FX fee1.5%
Savings0.0
ATM fee1%
Currencies773
Supported countries160
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Bonus offers

No current bonus offer.

50 Reward Points bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback
Welcome bonus50 reward points, one-time
Staking rewards
Ongoing rewards program
—

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
  • Non-custodial
  • No monthly fee
  • Free virtual card
  • 600+ tokens across 25 blockchains
  • 160-country availability
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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 despite being promised since Q4 2024
  • Physical card costs $50
  • 1.5% FX fee
  • 1% conversion cost on preload
  • 1% ATM withdrawal fee
  • Daily ATM limit $500
  • Daily spend limit $4,000
  • No bank account or IBAN
  • Manual preload required, no auto-conversion
—

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