Crypto.com Midnight Blue

Midnight Blue is Crypto.com's entry-level prepaid Visa card, now associated with the Level Up Basic plan. It is designed for users who want access to the Crypto.com card without paying for a premium Level Up subscription or making a large CRO commitment.

The card is prepaid, so users load fiat value before spending. Supported cryptocurrencies can be converted into the card balance through the Crypto.com app, while merchants receive ordinary Visa payments.

Midnight does not currently provide a standard everyday CRO spending reward or Priority Pass lounge access. Its main advantages are access to the Crypto.com card ecosystem and a lower barrier to entry than Ruby, Jade/Indigo or the Private metal tiers.

The Level Up Basic plan itself does not require a premium subscription or CRO stake, but the physical Midnight card can have an issuance fee.

For European residents, Crypto.com currently lists the physical Midnight issuance fee at €4.99. The US schedule also lists $4.99, while other regional programmes use their own local amount. Replacement cards can cost substantially more than initial issuance.

There is no standard monthly card subscription for Basic, but other usage fees can apply. In Europe these include 1% for debit or credit card top-ups, ATM charges above the free allowance and foreign transaction fees on non-EUR spending. Free plan access should therefore not be interpreted as completely fee-free card usage.

No standard everyday CRO spending reward is currently listed for Level Up Basic, the plan associated with Midnight. This makes Midnight different from Ruby, Jade/Indigo and the Private tiers, which currently offer percentage rewards on eligible prepaid-card spending.

The absence of a standard spending reward means Midnight is primarily an access card rather than a rewards card. It can still be useful for users who want to convert supported crypto into prepaid card balance and spend through Visa without paying for a higher Level Up plan.

Promotions can exist separately, but they should not be treated as permanent cashback. Users seeking recurring rewards should compare Midnight with the current Plus or higher plans.

No. Midnight is associated with Crypto.com's Basic Level Up plan and does not require the substantial CRO stake used to qualify for higher prepaid-card tiers.

This makes it the simplest entry point for users who want the Crypto.com prepaid card without taking CRO price risk specifically to unlock card benefits. Users still need a verified account and must meet the card programme's regional eligibility rules.

A user can later move to a higher Level Up plan if they want spending rewards, subscription rebates or travel benefits. Higher tiers can involve a paid subscription or CRO commitment depending on the plan and country.

Midnight's exact fees depend on the issuing region. For European residents, Crypto.com currently lists a €4.99 physical card issuance fee, 1% for debit or credit card top-ups and 2% on ATM withdrawals above the €200 monthly free allowance.

Midnight also carries foreign transaction charges. In Europe, non-EUR purchases and ATM transactions currently cost 0.2% within the EU and UK and 2% outside the EU and UK. This structure remains applicable from 1 October 2026.

A €5 monthly inactivity fee currently applies after 12 months without cardholder-initiated financial activity and is scheduled to become €6 from 1 October 2026. Replacement and account-closing fees can also apply.

For European residents, Midnight currently includes €200 per month of ATM withdrawals without Crypto.com's withdrawal fee. Once that allowance is exceeded, Crypto.com charges 2% on additional withdrawals.

The overall European ATM withdrawal limit is much higher: €2,000 per day, €10,000 per month and €75,000 per year, with up to three ATM withdrawals per day and 30 per month.

ATM operators can add their own surcharge or offer their own currency conversion, which is separate from Crypto.com's pricing. Other card regions use different free allowances and limits, so the figures should not be applied globally.

For European-issued Midnight cards, Crypto.com currently charges 0.2% on non-EUR purchases and ATM transactions within the EU and UK and 2% on non-EUR transactions outside the EU and UK.

This makes Midnight less attractive for frequent international spending than the higher Private cards, which currently have no Crypto.com foreign transaction fee. Ruby and Jade/Indigo use their own tiered pricing from October 2026.

The US programme is different and currently lists a 3% foreign transaction fee for Midnight on non-USD purchases and ATM withdrawals. Users should therefore check the schedule for the country where their card was issued before travelling.

Yes. Midnight is a prepaid card, and Crypto.com allows users to convert supported cryptocurrencies into the fiat balance used by the card. The exact asset list depends on the account and region.

When a crypto top-up is made, the selected cryptocurrency is sold or converted at the displayed rate before value is added to the prepaid card. The merchant therefore receives a normal Visa payment rather than crypto.

Crypto.com also offers Auto Top-Up in supported markets, allowing a selected cryptocurrency to be converted automatically when the card balance falls below a chosen threshold. Users should review the conversion rate and any associated trading costs before confirming.

No standard Spotify or Netflix purchase rebate is currently listed for the Level Up Basic plan associated with Midnight. Those subscription benefits begin on higher Level Up plans.

Plus or Ruby currently includes selected subscription rebates for a limited introductory period, Pro extends the rebate period, and Private provides permanent qualifying rebates while the user remains eligible under the programme.

This is an important change from older Crypto.com card comparisons because benefits and tier names have evolved. Users should not assume that an old Midnight benefit table still reflects the current Level Up programme. For Midnight, the main proposition is low-barrier prepaid card access rather than subscription rewards.

Yes in many supported card markets. Crypto.com currently supports Apple Pay for EU, US, Canadian and Australian prepaid cards, among other programmes, although the UK prepaid card does not currently support Apple Wallet.

Google Wallet support currently includes the EU, UK, US, Canada, Australia, Singapore and Bahrain card programmes. Exact compatibility depends on the card's issuing region and the user's device.

Using Midnight through a mobile wallet does not add cashback or change its Level Up Basic benefits. It simply provides another way to present the same prepaid card for eligible contactless transactions.

For European residents, Midnight uses the same main point-of-sale limits as the higher Crypto.com prepaid card tiers. Crypto.com currently lists €25,000 per day, €25,000 per month and €250,000 per year for in-store and online purchases.

The maximum European card balance is €25,000. Top-up limits and load-frequency limits also apply, including a maximum of 12 loads per day and 140 per month under the current European schedule.

These are programme limits rather than guaranteed merchant acceptance limits. Individual merchants can impose lower transaction ceilings, and the amount available to spend is always limited by the prepaid balance actually loaded onto the card.

Midnight is available through supported Crypto.com prepaid card programmes, but issuance depends on the user's residence and local card rules. Crypto.com operates programmes across Europe, the US, Canada, Australia, Singapore and selected other markets.

In Europe, the current card-delivery list includes countries such as Spain, Portugal, France, Germany, Italy, Ireland, the Netherlands, Switzerland and the UK.

The card's fees and even some wallet features vary by market. For example, foreign transaction pricing differs between European and US-issued Midnight cards. Users should therefore check eligibility and pricing for their residential address before applying.

Yes. Even though Midnight is the entry-level Crypto.com prepaid card, applicants need a verified Crypto.com account and must satisfy the identity and residency requirements for their card region.

European card users can also be asked for additional information about income, employment and expected transaction volume before card top-ups are enabled. This is part of Crypto.com's compliance process rather than a premium-tier requirement.

No CRO stake is required specifically for Midnight, but that does not make the card anonymous or permissionless. Users should complete verification only through official Crypto.com channels and should never share account authentication codes with third parties.

Create a Crypto.com account, complete identity verification and open the Card section of the app. Select the Basic or Midnight option offered in your region and follow the card application flow.

Midnight does not require a premium Level Up subscription or a large CRO stake. A physical issuance fee can still apply; Crypto.com currently lists €4.99 for European residents and $4.99 in the United States.

After approval, fund the prepaid card using a supported method before spending. The card can then be managed from the app and, in compatible regions, added to Apple Pay or Google Wallet.

Midnight can make sense for users who want a simple Crypto.com prepaid card without paying for a premium Level Up plan or committing CRO. It provides crypto-to-fiat card funding, Visa acceptance and ATM access with a relatively low initial physical-card cost.

Its limitations are significant for rewards-focused users. Midnight currently has no standard everyday CRO cashback, no Priority Pass benefit and no standard Spotify or Netflix rebate. Its foreign transaction pricing is also less attractive than the higher Private tiers.

For occasional domestic spending it can be a low-commitment entry point. Users who spend regularly and would use subscription or travel benefits should compare the incremental cost of Ruby or Pro against the additional rewards.