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Updated for August 2026

Crypto.com vs Tap 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
Tap Card#2
MastercardPrepaid
Tap Card card
Cashback
Up to 8%
Monthly fee
None
Our score
3.9
Get Tap Card

The bottom line

Choose Crypto.com if…

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

5% cashbackNo monthly fee2.2★ rating

Choose Tap Card if…

you want the highest cashback in this matchup — earn up to 8% back on everyday spend.

Up to 8% cashbackNo monthly fee3.9★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Tap Card logoTap Card

All about Crypto.com Obsidian

Drop video / image
Get Crypto.com Obsidian

Tap Card

Tap Card card
Get Tap Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackUp to 8%
FX fee1.99%
Savings0.0
ATM fee0%
Currencies49
Supported countries31
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Bonus offers

No current bonus offer.

the physical card

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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)150 EUR
Cashback currencyXTP token
Maximum cashback rate8% (requires 25,000 EUR in XTP)
Welcome bonus
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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
  • Free ATM withdrawals
  • UK IBAN included
  • Wide crypto selection, nearly 50 assets
  • 15,000 EUR daily spend limit
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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
  • Virtual card costs 15 EUR
  • Physical card costs 5 EUR
  • Entry cashback capped at 150 EUR/month
  • 2.39% conversion fee at base tier
  • 1.99% FX fee at base tier
  • 3 EUR inactivity fee
  • Cashback paid in XTP, not cash
  • No third-party deposits
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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