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Updated for August 2026

Crypto.com vs Fiat24 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
Fiat24 Card#2
VisaDebit
Fiat24 Card card
Cashback
None
Monthly fee
None
Our score
2.6
Get Fiat24 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 Fiat24 Card if…

you want our top-rated pick here — it scores 2.6/5 with our editors.

None cashbackNo monthly fee2.6★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Fiat24 Card logoFiat24 Card

All about Crypto.com Obsidian

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Fiat24 Card

Fiat24 Card card
Get Fiat24 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 fee—
Currencies13
Supported countries30
—

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
Cashback
F24 Loyalty Tokens on spend1-5 tokens per 100 EUR (tier-dependent)
F24 Loyalty Tokens on top-up1 token per 100 USDC loaded
Conversion fee reductionUnlocked at higher token tiers only
—

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 self-custody model
  • Swiss IBAN with third-party deposits
  • No monthly or inactivity fee
  • 30-country European coverage
—

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
  • Virtual card only, no physical card
  • No ATM access
  • 1.75% crypto-to-fiat conversion fee
  • 1.5% FX fee on non-EUR purchases
  • No cashback rewards
  • Single blockchain (Arbitrum) only
  • Loyalty fee reduction requires massive token accumulation
  • KYC required
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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