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Updated for August 2026

Crypto.com vs Onboard 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
Onboard Card#2
VisaPrepaid
Onboard Card card
Cashback
None
Monthly fee
None
Our score
2.3
Get Onboard 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 Onboard Card if…

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

None cashbackNo monthly fee2.3★ rating
2 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Onboard Card logoOnboard Card

All about Crypto.com Obsidian

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Get Crypto.com Obsidian

Onboard Card

Onboard Card card
Get Onboard Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackNone
FX fee2%
Savings0.0
ATM fee—
Currencies3
Supported countries192
—

Bonus offers

No current bonus offer.

10 USD bonus

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback rate
Welcome bonus$10 USD
Promo — 1 USDC per transaction ($10-$1,000)Max 5 USDC/month
Staking rewards
Savings rate
—

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 wallet control
  • No monthly fee
  • Low 0.35% conversion cost
  • Broad 193-country availability
—

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% FX fee on foreign currency transactions
  • No ATM withdrawals (physical card only, no ATM access listed)
  • Stablecoin-only funding (USDC, USDT)
  • No permanent cashback program
  • Promo rewards capped at 5 USDC per month
  • No bank account or IBAN
  • Manual preload required, no auto-conversion
  • Card valid for 3 years only
—

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