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Offer From Crypto.com
"Get up to 8% crypto cashback with tiered rewards — stake CRO or subscribe monthly"
3.8
+Pros
- "Wide coin selection (350+)
- Comprehensive ecosystem (trading, card, DeFi, NFTs, equity perpetuals, travel rewards)
- Strong security with $870M insurance coverage ($750M retail + $120M institutional)
- Extensive global licensing with full MiCA compliance
- Crypto Visa card with up to 8% cashback (Prime tier)
- Equity and pre-IPO perpetual contracts available
- Multiple tier access options (monthly Level Up subscription OR CRO staking)
- Spotify/Netflix/Amazon Prime/Truth+ rebates on higher tiers
- Airport lounge access (LoungeKey/Priority Pass) for metal cards
- No annual card fee on prepaid tiers
- Flexible Level Up subscription model as alternative to staking (Plus $4.99/month or $49.90/year, Pro $29.99/month or $299.90/year, Private custom)
- Generous signup bonuses up to $5,000 for high spenders
- Free ATM withdrawals up to $200-$2,000/month by tier
- 0% foreign transaction fees
- Prime tier offers 8% uncapped cashback with $1M CRO stake, dedicated account manager, and invite-only access
- Well-established platform (10 years operating)
- Strong brand presence with major sponsorships
- Zero trading fees on Level Up subscriptions
- High staking yields (4-5%+ on stablecoins for Pro/Plus members)"
−Cons
- "Poor customer support (slow response times frequently reported)
- Higher spreads on mobile app (7-15% reported by users)
- Withdrawal delays and account access issues in some cases
- Higher base trading fees vs competitors (0.25%/0.50%)
- Complex fee structure and tier system
- CRO staking ($500-$1M) OR monthly Level Up subscription required for meaningful reward tiers
- Midnight Blue base tier offers 0% rewards unless subscribed or staked (2026 change eliminated all no-stake/no-subscribe rewards)
- Best benefits require significant CRO lockup (12-month lock periods) or ongoing subscription costs
- Welcome bonus requires significant spend within 90 days
- ATM fees of 2% above free monthly allowance
- CRO token price volatility affects staked value and cashback worth
- Premium Prime tier requires $1M stake making it inaccessible to most users and is invite-only
- Overwhelming platform complexity for beginners
- Zero cashback on base tier discourages entry-level users
- 2026 overhaul eliminated all no-stake/no-subscribe rewards forcing users to commit capital or pay fees
- Some users report issues with card delivery timing
- Staking lockup periods prevent access to funds during market volatility
- Effective rewards for typical users often lower than advertised rates after fees and spreads"
Features
"Spot trading"Spot trading
Futures and derivatives (margin up to 10x, perpetuals up to 20x)Futures and derivatives (margin up to 10x, perpetuals up to 20x)
Equity and Pre-IPO perpetual contractsEquity and Pre-IPO perpetual contracts
Crypto Visa debit card with 7 tiers (Midnight Blue/Ruby Steel/Jade Green-Royal Indigo/Icy White-Frosted Rose Gold/Obsidian/Prime)Crypto Visa debit card with 7 tiers (Midnight Blue/Ruby Steel/Jade Green-Royal Indigo/Icy White-Frosted Rose Gold/Obsidian/Prime)
Staking and Earn programs up to 14% APYStaking and Earn programs up to 14% APY
DeFi wallet with non-custodial storageDeFi wallet with non-custodial storage
NFT marketplaceNFT marketplace
P2P tradingP2P trading
Travel rewards programTravel rewards program
Delphi AI SearchDelphi AI Search
Instant USD withdrawalsInstant USD withdrawals
Free instant transfersFree instant transfers
IPO Early Bird investment featureIPO Early Bird investment feature
Level Up subscription model (Plus $4.99/month or $49.90/year, Pro $29.99/month or $299.90/year, Private custom) as alternative to 12-month CRO stakingLevel Up subscription model (Plus $4.99/month or $49.90/year, Pro $29.99/month or $299.90/year, Private custom) as alternative to 12-month CRO staking
Prime tier with $1M CRO stake offering 8% uncapped cashback, private account manager, and invite-only accessPrime tier with $1M CRO stake offering 8% uncapped cashback, private account manager, and invite-only access
Two paths to rewards: monthly subscription or CRO stakingTwo paths to rewards: monthly subscription or CRO staking
Cashback rates: Midnight Blue 0% (base, requires subscription or stake for any rewards), Ruby Steel 2%, Jade/Indigo 3%, Icy/Rose 5%, Obsidian 5%, Prime 8%Cashback rates: Midnight Blue 0% (base, requires subscription or stake for any rewards), Ruby Steel 2%, Jade/Indigo 3%, Icy/Rose 5%, Obsidian 5%, Prime 8%
Streaming service rebates (Spotify, Netflix, Amazon Prime, Truth+) on higher tiersStreaming service rebates (Spotify, Netflix, Amazon Prime, Truth+) on higher tiers
Airport lounge access on metal card tiersAirport lounge access on metal card tiers
$0 ATM fee allocations by tier ($200-$2,000/month)$0 ATM fee allocations by tier ($200-$2,000/month)
Zero trading fees with Level Up (up to $20K/month Plus, $50K/month Pro, unlimited Private)Zero trading fees with Level Up (up to $20K/month Plus, $50K/month Pro, unlimited Private)
Stock trading with zero commissionsStock trading with zero commissions
High-yield staking on stablecoins (4.5% Plus, 5% Pro)"High-yield staking on stablecoins (4.5% Plus, 5% Pro)"
Fee Structure
Trading Fee"0.25% maker / 0.50% taker (ba
Withdrawal Fee"Varies by cryptocurrency - BTC 0.0006 BTC, ETH 0.005 ETH, U
Deposit Fee"Free for crypto deposits; Card top-up fees: EU 1%, US debit
Signup Bonus
"Up to $5,000 in CRO
tier-based spending rewards) + Mystery Box bonuses for trading volume" "Two bonus programs: (1) Card tier-based spend rewards within first 90 days: Midnight Blue ($100 CRO for $1,500 spend), Ruby Steel ($200 CRO for $2,000 spend), Jade Green/Royal Indigo ($300 CRO for $5,000 spend), Icy White/Frosted Rose Gold ($1,000 CRO for $10,000 spend), Obsidian ($2,500 CRO for $20,000 spend), Prime ($5,000 CRO for $20,000 spend). (2) Welcome Bonus mystery boxes: up to four milestone-based rewards for trading volume ($100, $500, $1,000, $5,000) within 30 days with randomized rewards. Rewards credited within 7 days after qualifying period. Cannot combine prepaid and credit card bonuses. KYC verification and CRO staking (or Level Up subscription) required for card tiers above Midnight Blue. As of 2026, 0% default rewards on all tiers - must maintain active CRO stake OR Level Up subscription to earn cashback."
Expires: 3/31/2026
Expert Verdict
"Comprehensive cryptocurrency platform (founded 2016 as Monaco, rebranded 2018) offering trading, Visa card with crypto cashback, DeFi wallet, NFT marketplace, and staking. Seven card tiers from Midnight Blue (0% base) to Prime (8% with $1M stake). 2026 overhaul requires CRO staking OR Level Up subscription for any rewards."
*Terms & Conditions: You will be required to verify your identify via a process called KYC, deposit funds and conduct a trade to be eligible for this reward. New users who meet the trading goal will receive rewards worth up to the value of 1 BTC paid in CRO (Crypto.com native token).