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Updated for August 2026

Crypto.com vs Ledger CL 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
Ledger CL Card#2
MastercardPrepaid
Ledger CL Card card
Cashback
Up to 2%
Monthly fee
None
Our score
2.8
Get Ledger CL 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 Ledger CL Card if…

you want our top-rated pick here — it scores 2.8/5 with our editors.

Up to 2% cashbackNo monthly fee2.8★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Ledger CL Card logoLedger CL Card

All about Crypto.com Obsidian

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Ledger CL Card

Ledger CL Card card
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Main perks

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

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 (BXX)
Cashback (BTC)
Cashback (USDT)
Monthly cashback cap4,500 EUR
Staking required
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
  • No monthly fee
  • No inactivity fee
  • 4,500 EUR monthly cashback cap
  • Apple Pay supported
  • 15,000 EUR daily spend limit
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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
  • 2% rate only for BXX token rewards
  • BTC and USDT rewards capped at 1%
  • 2.25% crypto conversion cost
  • 1.5% FX fee on non-EUR spend
  • Custodial
  • No confirmed physical or virtual card form
  • No IBAN or personal bank account
  • Card valid for 3 years only
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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