MyCardCompareMyCardCompare
Updated for August 2026

Crypto.com vs SpectroCoin 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
SpectroCoin Card#2
VisaDebit
SpectroCoin Card card
Cashback
None
Monthly fee
1.15 USD/month
Our score
2.9
Get SpectroCoin 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 SpectroCoin Card if…

you want our top-rated pick here — it scores 2.9/5 with our editors.

None cashback1.15 USD/month/mo2.9★ rating
4 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.SSpectroCoin Card

All about Crypto.com Obsidian

Drop video / image
Get Crypto.com Obsidian

SpectroCoin Card

SpectroCoin Card card
Get SpectroCoin Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly fee1.15 USD/month
CashbackNone
FX fee1%
Savings0.0
ATM fee2%
Currencies55
Supported countries27
—

Bonus offers

No current bonus offer.

up to 10% cashback on all your trading fees

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Cashback on card spend
Loyalty points
Staking rewards
Trading fee cashback (platform only)Up to 10% on SpectroCoin trading fees, not card spend
—

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
  • 54 supported cryptocurrencies
  • Built-in Lithuanian IBAN
  • Third-party deposits accepted
  • 25,000 EUR daily spend limit
  • No inactivity fee
—

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
  • Monthly fee of 1.15 EUR
  • 1.5% conversion cost on preloads
  • 1.0% FX fee on non-EUR transactions
  • ATM withdrawals cost 2%
  • No cashback on card spending
  • Manual preload required, no auto-conversion
  • EEA only, 27 countries
—

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