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Updated for August 2026

Crypto.com vs Embily 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
Embily Card#2
VisaPrepaid
Embily Card card
Cashback
None
Monthly fee
2 USD/month
Our score
2.3
Get Embily 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 Embily Card if…

you want our top-rated pick here — it scores 2.3/5 with our editors.

None cashback2 USD/month/mo2.3★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Embily Card logoEmbily Card

All about Crypto.com Obsidian

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Embily Card

Embily Card card
Get Embily Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly fee2 USD/month
CashbackNone
FX fee1.5%
Savings0.0
ATM fee—
Currencies8
Supported countries31
—

Bonus offers

No current bonus offer.

10 EUR bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback
Staking rewards
Welcome bonus10 EUR one-time
Ongoing incentives
—

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
  • Built-in Lithuanian IBAN
  • Third-party deposits accepted
  • Apple Pay supported
  • 31 EEA countries covered
  • No inactivity fee
—

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
  • 2 EUR monthly fee
  • 2.5% conversion fee on top-up
  • 1.5% FX fee on foreign transactions
  • No cashback or rewards
  • Custodial
  • No auto-conversion at point of sale
  • Daily spend capped at 2,500 EUR
  • Daily ATM limit 500 EUR
—

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