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Updated for August 2026

Crypto.com vs Utorg 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
Utorg Card#2
MastercardDebit
Utorg Card card
Cashback
None
Monthly fee
None
Our score
2.9
Get Utorg 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 Utorg Card if…

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

None cashbackNo monthly fee2.9★ rating
4 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.Utorg Card logoUtorg Card

All about Crypto.com Obsidian

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Utorg Card

Utorg Card card
Get Utorg Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackNone
FX fee0%
Savings0.0
ATM fee—
Currencies6
Supported countries31
—

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
Staking rewards
Welcome bonus
In-app promos
Future cashback (unconfirmed)Planned, no date
—

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
  • Zero FX fees on spending
  • No monthly or inactivity fee
  • Low 0.5% conversion cost
  • Non-custodial
  • 50,000 EUR daily spend limit
—

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
  • No cashback or rewards
  • Physical card only, no virtual card
  • No ATM withdrawals supported
  • No IBAN or personal bank account
  • Manual preload required, no auto-conversion
  • Limited to 31 countries, Europe-focused
  • Cashback launch date unconfirmed
—

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