COMPANY detail
CRYPTO.COM CARD bread financial.
CARD FEATURE OVERVIEW.
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
0%
NEED KYC
YES
FX FEE
UP TO 3%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$200
DAILY LIMIT
$10,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$39.90/YEAR
CASHBACK
UP TO $25
NEED KYC
YES
FX FEE
UP TO 3%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$400
DAILY LIMIT
$25,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$249.90/YEAR
CASHBACK
UP TO $75
NEED KYC
YES
FX FEE
UP TO 3%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$800
DAILY LIMIT
$25,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$50,000 CRO STK
CASHBACK
4%
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$1,000
DAILY LIMIT
$25,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$500,000 CRO STK
CASHBACK
5%
NEED KYC
YES
FX FEE
0%
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
$1,000
DAILY LIMIT
$25,000
GET THE CARD
W BONUS
NONE
REG FEE / REQ
$1,000,000 CRO Staking
CASHBACK
8%
NEED KYC
YES
FX FEE
NOT DISCLOSED
APR / YIELD
YES
CARD TYPE
VIRTUAL AND PHYSICAL CARD
CARD NETWORK
BLOCKCHAIN
REGION
WALLET TYPE
CUSTODIAL
MOBILE PAY
YES
BANK TRANSFER
YES
ATM LIMIT
NOT DISCLOSED
DAILY LIMIT
NOT DISCLOSED
GET THE CARD
MIDNIGHT BLUE
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | UP TO 3% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $200 |
| DAILY LIMIT | $10,000 |
RUBY STEEL
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $39.90/YEAR |
| CASHBACK | UP TO $25 |
| NEED KYC | YES |
| FX FEE | UP TO 3% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $400 |
| DAILY LIMIT | $25,000 |
JADE GREEN
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $249.90/YEAR |
| CASHBACK | UP TO $75 |
| NEED KYC | YES |
| FX FEE | UP TO 3% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $800 |
| DAILY LIMIT | $25,000 |
ICY WHITE
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $50,000 CRO STK |
| CASHBACK | 4% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $1,000 |
| DAILY LIMIT | $25,000 |
OBSIDIAN
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $500,000 CRO STK |
| CASHBACK | 5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $1,000 |
| DAILY LIMIT | $25,000 |
PRIME
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | $1,000,000 CRO Staking |
| CASHBACK | 8% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
Last Updated: Jul 11, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
VIEW GLOBAL NETWORK
Available
Restricted
Not Specified
Monthly cashback caps are low. Plus: $1,250/month spend cap = max $25 CRO/month in rewards. Pro: $2,500/month = max $75 CRO/month. Only Private ($50K+ CRO stake) unlocks unlimited spending rewards.
Pro lounge access requires an ANNUAL subscription. Monthly Pro subscribers get no lounge access at all. Even annual subscribers are capped at 4 visits/year.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- Up to 5% CRO cashback at Obsidian tier
- Level Up subscription option for Plus/Pro tiers (no CRO stake needed)
- No FX fees for Plus+ tiers in UK/EU; Private+ tiers in US
- Free tier available (Midnight Blue) with no staking required
- Physical and virtual card options
- SEPA transfers available via Cash Account
- Airport lounge access for annual Pro subscribers and Private tiers
- Streaming rebates: Spotify + Truth+ (Plus), Spotify + Netflix + Truth+ (Pro+), Permanent (Private)
CONS
[ LIMITATIONS ]
- Midnight Blue (Basic) earns 0% cashback
- Plus/Pro in US still charge 3% FX fee (only Private+ is 0% in US)
- Plus/Pro have monthly cashback caps ($25/$75)
- Private tiers require $50K+ CRO stake
- Subscription rebates expire after 3-6 months for Plus/Pro
- $4.95/month inactivity fee after 12 months of no transactions
- Rewards paid in CRO (volatile cryptocurrency)
GENERAL QUESTIONS.
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.
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.
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.
