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Updated for July 2026
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Crypto.com Midnight Blue

#18
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Crypto.com Midnight Blue card

A tiered crypto debit card where real rewards demand serious CRO lockups. The €25,000 daily spend limit impresses, but entry-level cashback is capped at €20 a month and the FX fee bites.

Get Crypto.com Midnight Blue

Availability

Available nowComing soon

Rewards rate

Up to 5%

FX fee

2%

Savings

0.0

Availability

29 countries

Crypto.com Midnight Blue logoCrypto.com Midnight Blue

All about Crypto.com Midnight Blue

Crypto.com Midnight Blue card
Get Crypto.com Midnight Blue

Main perks

Monthly feeNone
CashbackUp to 5%
FX fee2%
Savings0.0
ATM fee2%
Currencies24
Supported countries29
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Bonus offers

25 USD bonus

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Rewards

Cashback rate (Ruby Steel, free entry tier)1%
Monthly cashback cap (Ruby Steel)€20
Cashback paid inCRO
Unlimited cashback available
Welcome bonus
Lounge access (entry tier)
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Pros

  • €25,000 daily spend limit
  • Virtual card free
  • Works across 29 European countries
  • Apple Pay supported
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Cons

  • 2% FX fee on non-base currency spending
  • Entry cashback capped at €20 per month
  • Top cashback rates require massive CRO lockups
  • €5 physical card issuance fee
  • €5 monthly inactivity fee
  • Custodial
  • No IBAN or personal bank account
  • Manual preload required, no auto-conversion
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Options to Crypto.com Midnight Blue

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