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Updated for August 2026

Crypto.com vs NAGA Pay 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
NAGA Pay Card#2
VisaDebit
NAGA Pay Card card
Cashback
Up to 3%
Monthly fee
None
Our score
3.1
Get NAGA Pay 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 NAGA Pay Card if…

you want our top-rated pick here — it scores 3.1/5 with our editors.

Up to 3% cashbackNo monthly fee3.1★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.NAGA Pay Card logoNAGA Pay Card

All about Crypto.com Obsidian

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NAGA Pay Card

NAGA Pay Card card
Get NAGA Pay Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackUp to 3%
FX fee2%
Savings0.0
ATM fee2%
Currencies24
Supported countries31
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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 rate (free tier)0.5%
Monthly cashback cap (free tier)10 EUR
Cashback paid in BTC
Staking requirement
—

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 on Basic tier
  • Free virtual card
  • IBAN included
  • 22 supported cryptocurrencies
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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
  • Custodial
  • 3.59% crypto-to-fiat conversion fee
  • 2% FX fee on foreign currency transactions
  • Physical card costs 10 EUR
  • 0.5% cashback capped at 10 EUR per month on free tier
  • Best cashback requires 14.99 EUR/month subscription
  • ATM withdrawals cost 2%
  • 300 EUR daily ATM limit
—

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