Is the Crypto.com Card a credit or prepaid card?

The Crypto.com Card is a prepaid card. They need to be topped up rather than being linked directly to your bank account like a debit card.

How do I apply for a Crypto.com Prepaid Mastercard Card?

You can apply for a Crypto.com Prepaid Card after joining Level Up, our rewards programme designed to take your wealth to the next level. Your Level Up plan determines which Crypto.com Prepaid Mastercard Card tier you’re eligible to apply for.

How do I top up my card?

You can top up your Crypto.com Prepaid Mastercard Card using your Crypto Wallet, your Cash Account, or other credit/debit cards. To do so, go to the Card tab from the bottom navigation, tap Top up, and select your preferred method.

ATM withdrawal fees, interbank exchange rates, top-up fees, and other charges may apply depending on your jurisdiction and card tier.

CRYPTO.COM (RUBY STEEL)

2% CRO cashback on everyday spending, €400/month free ATM withdrawals, Spotify & Truth+ rebates for 3 months — entry-level staking or subscription required

Status: Active

Issued by Crypto.com

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Earn 50 xCURAT points on top of card benefits when you apply through us. T&Cs apply.

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No back image available

RUBY STEEL

Self Reported

What is this?

Card Overview

Custody Type

custodial

Card Type

debit

Material

Plastic

KYC

Standard

Pros

2% CRO cashback on everyday spending

No foreign transaction fee

€400/month free ATM withdrawals

3 months Spotify and Truth+ rebates

No fee with annual plan or CRO lockup

Cons

MOST TIERS HAVE FEES

Higher FX fee / Midnight Tier

CUStODIAL

CRO Staking Required for Premium Benefits

Rewards & Staking

Max Cashback

$25

On eligible purchases

Reward Token

CRO

Paid out in CRO

Staking APY

N/A

On staked assets

Reward specifics

Boost Multiplier N/A

Monthly Cap N/A

Payout Frequency N/A

Welcome Bonus N/A

Referral Bonus N/A

Bonus APR N/A

Bonus Token N/A

Staking & Requirements

Required Token CRO

Min Stake Amount €450 (12-month CRO lockup; alternatively: €3.99/month subscription)

Fiat Value Req N/A

Lock-up Period N/A

Downgrade Penalty N/A

ROI Calculator

What this card actually nets you: cashback earned minus the fees and FX you pay. Defaults to $1,000/month, so drag to match your spend.

Inputs

CRYPTO.COM (RUBY STEEL)

Self Reported

Rates autofilled from this card

Monthly spend $1,000

Spent abroad (FX) 15%

Rates

Cashback 0% FX 0%

Net value / year

$0 / month · +0.00% effective

Effective rate

+0.00%

Break-even spend

Any spend

Cashback

FX cost

Load fee

Fees

Rewards paid in CRO, a volatile token whose USD value can swing.

Apply for CRYPTO.COM (RUBY STEEL) Full details

Estimate, not gospel. Cashback caps, tiered FX, and staking lock-ups vary by tier and region. Rates are pulled from this card's listed data, so adjust them above to match your situation.

Supported Assets

Chains

BITCOIN

ETHEREUM

POLYGON

RIPPLE

Card Options

Lifestyle & Perks

Not Offered

Airport Lounge

Not Offered

Crypto Events Shuttle

Not Offered

Airport Transfers

Not Offered

Priority Boarding

Not Offered

Esim

Not Offered

Concierge Services

Not Offered

Golf Access

Not Offered

Fitness Membership

Not Offered

Exclusive Club

Not Offered

Exclusive Merch

Not Offered

Nft Drops

Not Offered

Crypto Token Deals

Fees & Limits

Fee Schedule

Fee Structure €39.90/year

FX Fee 0%

ATM Withdrawal 2% on amounts above the monthly free ATM limit

ATM (Domestic) N/A

ATM (Intl) N/A

Fee After Limit N/A

Inactivity Fee N/A

Top Up Fee N/A

Liquidation Fee N/A

Custody Fee N/A

Usage Limits & requirements

Daily Spend Limit N/A

Monthly Spend Limit N/A

ATM Withdrawal Limit Daily €2,000 / Monthly €10,000 / Yearly €75,000

Free ATM Limit €400/month

Max Balance N/A

Min Balance N/A

Top Up Limits N/A

Technical Features

Integrations

Contactless

Security

2FA Support

Biometric Auth

Card Freeze

Transaction Notifications

Dynamic CVV

Merchant Blocking

App & Usability

Spending Analytics

PIN Change in App

Spending Limits Control

Subscription Management

Budgeting Tools

Smartwatch Support

Recuring Payment Control

Dispute Filing

Receipt Capture

Split Bill

ATM Locator

Advanced & Global

Multi-currency Wallet

Crypto Auto-convert

Round-up Savings

QR Payments

Offline Mode

Carbon Tracking

Instant Card Details

Crypto Capabilities

Yield on Collateral

On-Chain History

Governance Rights

Credit Scoring

Banking & On-Ramp

Banking Features

Virtual Bank Account No

Account Type N/A

Direct Deposit No

Bill Pay No

Instant Issuance No

Self Custody No

Dual Mode (Switch) No

Funding & Withdrawals

On Ramp

Available

Funding Options

Off Ramp

Not Available

Operations & Support

Support Channels

Support Tier N/A

Support Type In-app chat, chat.crypto.com

Hours N/A

Dedicated Manager No

Response SLA N/A

Geographic Availability

KYC Requirements

Standard

Email ID

Required

Phone Number

Required

Government ID

Required

Home Address

Required

Bank Statements

Not Required

Geographic Availability

Worldwide / Global Coverage

Markets where this card can be used. Hover red regions for the restriction reason.

Excluded Regions

Regions where this card is not available

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Sources & Provenance

Official · 34

34 source citations across 34 fields, captured during the latest research run.

Curat Review

In review

We're putting CRYPTO.COM (RUBY STEEL) through our hands-on rubric right now. Effective rewards after the CRO stake requirement and the rate cuts since launch.

What we're scoring

Fees & FX 20%Rewards & caps 20%Custody & security 20%Onboarding & KYC 10%Card experience 15%Support & reliability 15%

By Curat Research Follow this review

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Quick Answers

Frequently asked questions about CRYPTO.COM (RUBY STEEL)

Direct answers to the questions people ask most before they compare or apply for this card.

Verification Pending This card's details are not verified and may be out of date. We are working with the provider to update them as soon as possible.