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Updated for August 2026

Crypto.com vs Ripio

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
Ripio#2
VisaPrepaid
•••• ••••
Cashback
Up to 2%
Monthly fee
None
Our score
1.7
Get Ripio

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 Ripio if…

you want a no-fee prepaid card with solid everyday value.

Up to 2% cashbackNo monthly fee1.7★ rating
2 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.RRipio Card

All about Crypto.com Obsidian

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Ripio Card

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Get Ripio Card

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 fee—
SavingsNone
ATM fee—
Currencies4
Supported countries1
—

Bonus offers

No current bonus offer.

4% cashback on crypto and 1% on pesos for the first 30 days

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Paying with crypto2%
Paying with pesos0.5%
First 30 days with crypto4%
Cashback paid in USDT, BTC or ETH
Apple Pay and Google Wallet
—

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
  • 2% cashback paying with crypto
  • No maintenance cost
  • Free physical card
  • Supports Apple Pay & Google Wallet
  • Pay with any crypto held on Ripio
—

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
  • Only 0.5% cashback in pesos
  • FX fees not published
  • ATM fees not published
  • Virtual card is online only
  • Argentina-focused availability
—

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