MyCardCompareMyCardCompare
Updated for August 2026

Crypto.com vs Payy 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
Payy Card#2
VisaDebit
Payy Card card
Cashback
None
Monthly fee
None
Our score
2.7
Get Payy 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 Payy Card if…

you want our top-rated pick here — it scores 2.7/5 with our editors.

None cashbackNo monthly fee2.7★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Payy Card logoPayy Card

All about Crypto.com Obsidian

Drop video / image
Get Crypto.com Obsidian

Payy Card

Payy Card card
Get Payy 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%
Savings0.0
ATM fee—
Currencies4
Supported countries230
—

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
Payy Points (balance-based)~1 pt per $1 per day
Referral bonus10,000 pts per referral
Points redemption value
—

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
  • Zero conversion cost
  • Self-custodial
  • Unlimited daily spend
  • Broad 233-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
  • 1% FX fee on non-USD transactions
  • No ATM access
  • No virtual card
  • Points have no confirmed redemption value
  • No bank account or IBAN
  • Stablecoin-only funding (USDC, USDC.E, USDT)
—

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