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Updated for August 2026

Crypto.com vs Kinesis Card [EU]

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
Kinesis Card [EU]#2
MastercardPrepaid
Kinesis Card [EU] card
Cashback
None
Monthly fee
None
Our score
3
Get Kinesis Card [EU]

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 Kinesis Card [EU] 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.Kinesis Card [EU] logoKinesis Card [EU]

All about Crypto.com Obsidian

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Get Crypto.com Obsidian

Kinesis Card [EU]

Kinesis Card [EU] card
Get Kinesis Card [EU]

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackNone
FX fee1%
Savings0.0
ATM fee—
Currencies15
Supported countries53
—

Bonus offers

No current bonus offer.

24 EUR bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback
Velocity Yield (KAU/KAG spenders only)Variable monthly share of network fees, paid in KAU and KAG
Welcome bonus24 EUR
—

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
  • No monthly fee
  • No inactivity fee
  • 15,000 EUR daily spend limit
  • Apple Pay supported
  • 14 spendable crypto assets
—

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
  • 2.42% conversion cost per transaction
  • 1% FX fee on non-EUR purchases
  • Velocity Yield only for KAU/KAG spenders
  • No ATM withdrawals
  • Custodial
  • No IBAN or bank account
  • Rewards amount is variable, not guaranteed
—

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