Crypto.com Review 2026
Biggest card rewards — but buyer beware
FCA RegisteredMAS Licensed
Affiliate disclosure: Some links on this page are affiliate links. If you open an account, we may earn a commission at no extra cost to you. This never influences our scores or rankings — see our methodology.
BC
6.7
Crypto.com
Biggest card rewards — but buyer bewareThe most feature-rich crypto card program globally, but a 1.3 Trustpilot score and a collapsed CRO token make it hard to recommend without caveats.
★ 1.3 Trustpilot
FCA RegisteredMAS Licensed
Crypto.com: Pros & Cons
✓ Pros
- ✓ Largest crypto Visa card program globally
- ✓ Up to 8% cashback in CRO on all spending
- ✓ 350+ cryptocurrencies — widest selection reviewed
- ✓ NFT marketplace and DeFi wallet built in
- ✓ 100M+ registered users — massive liquidity
✗ Cons
- ✗ 1.3/5 Trustpilot — worst score among major crypto banks
- ✗ CRO token crashed 90%+ from ATH — rewards worth much less
- ✗ Accounts frequently frozen with poor resolution
- ✗ High CRO stake required for best card tiers
- ✗ Multiple controversies including FTX-adjacent exposure
Our Score Breakdown
6.7 / 10
Regulatory Safety 20% 6
Yield / Earn Rates 15% 8
Banking & Fiat 13% 6
Debit Card 12% 9
Fees 12% 5
Coin Selection 10% 10
User Experience 10% 7
Customer Support 8% 2
Scores are weighted composites across 8 criteria. See full methodology →
At a Glance
Max APY
14.5%
Coins
350
Trustpilot
1.3/5
Founded
2016
FDIC Insured
No
MiCA Compliant
No
IBAN Account
No
Debit Card
Yes
Key Features
- ▸ 350+ cryptocurrencies
- ▸ Crypto.com Visa card with up to 8% CRO cashback
- ▸ Earn program (up to 14.5% APY)
- ▸ NFT marketplace
- ▸ DeFi wallet (non-custodial)
- ▸ Crypto loans
- ▸ Cronos blockchain ecosystem
Pricing & Plans
Midnight Blue Free
No CRO stake required; 1% cashback in CRO
Ruby Steel ~€350 CRO staked
2% CRO cashback; Spotify rebate (€6.99)
Royal Indigo / Jade Green ~€3,500 CRO staked
3% cashback; Spotify + Netflix rebates
Icy White / Frosted Rose ~€35,000 CRO staked
5% cashback; airport lounge access
Obsidian ~€350,000 CRO staked
8% cashback; private jet partnership
Regulatory Status
FCA registered UK; MAS licensed Singapore; various crypto licences globally
FCA RegisteredMAS Licensed
Frequently Asked Questions
Is Crypto.com safe? +
Crypto.com has a regulatory status of: FCA registered UK; MAS licensed Singapore; various crypto licences globally. Always verify current regulatory status directly with the platform before depositing.
What is the maximum APY on Crypto.com? +
Crypto.com currently offers up to 14.5% APY. Rate as of 2026-03-13. Rates change — always check the platform for current rates before depositing.
Where is Crypto.com available? +
Crypto.com is available in: EU, UK, US, Asia, LatAm, Africa, Australia, GCC. Markets served: Global, 90+ countries, GCC.
Does Crypto.com have a debit card? +
Yes. Crypto.com offers a debit card. Crypto.com Visa card with up to 8% CRO cashback
Compare Crypto.com vs Competitors
Ready to open a Crypto.com account?
Opens in a new tab. Affiliate link — we may earn a commission.
Open Crypto.com Account ↗