Crypto.com Visa Signature Credit Card Review

Our Crypto.com Visa Signature Credit Card review

The Crypto.com Visa Signature Credit Card is a US credit card offering rewards in CRO or bitcoin. It is issued by Comenity Capital Bank, and Crypto.com manages the rewards program through its Level Up tiers. The card has no annual fee.

In our view it is a good card for people who already hold CRO and use the Crypto.com app, because the higher tiers depend on staked CRO. For everyone else the base rate is 1.5%, and the 3% foreign transaction fee makes it a weak travel card.

How the card works

This credit line is offered in dollars by Comenity Capital Bank, with balance payments managed through the Crypto.com App. Rewards are earned in CRO or, since May 19, 2026, in bitcoin, credited to your crypto wallet in the app. Welcome bonuses and Level Up rebates are always issued in CRO.

A physical card, colored according to your Level Up tier, arrives within 14 business days, and a virtual card is available immediately for Apple Wallet or Google Wallet. Your Level Up tier does not influence credit decisions, including the credit limit.

Rewards and Level Up tiers

The reward rate is determined by your Level Up tier:

• Basic: 1.5%, requiring no subscription or staking
• Plus: 3.5%, with a Level Up subscription or 500 USD in CRO staked for 12 months
• Pro: 4.5%, with a subscription or 5,000 USD in CRO
• Private Icy or Rose: 5%, with 50,000 USD in CRO
• Private Obsidian: 6%, with 500,000 USD in CRO

Opting for bitcoin rewards applies the tier rate only up to a monthly spending cap: $250 for Basic (then 1.0%), $500 for Plus, $1,000 for Pro, $5,000 for Private Icy or Rose, and $10,000 for Private Obsidian, then 2.0%. CRO rewards have no monthly cap.

The high rates come with real conditions. In our view a reader should count the price risk of the staked CRO and of rewards paid in CRO, because both move with the token. Rewards show at the time of purchase, but Crypto.com says confirmation can take up to two billing cycles, and refunds are taken back in the token you received.

Balance transfers, cash advances, crypto purchases on Crypto.com, cash equivalents, and person-to-person payments do not earn rewards.

Fees and APR

The card has no annual fee. Foreign transactions incur a cost of 3.0% of each transaction in US dollars, which is relevant for travelers. The purchase APR is 17.49%, 25.49%, or 31.49% variable, depending on your creditworthiness. Cash advances cost $10 or 5.0% of the amount, whichever is higher. Late payments incur $30, or $41 if a late fee was charged in the prior six billing periods.

Extras

As a Visa Signature card, it offers travel perks, purchase protections, and 24/7 concierge services. Higher Level Up tiers include airport lounge access via Priority Pass: 4 visits per year for Pro and unlimited visits plus 1 guest for Private. Level Up rebates for services such as Spotify and Netflix are provided in CRO.

Who can get it

The card is for US users only and is not available to residents of New York. You must be at least 18 years old. A soft inquiry checks your eligibility without affecting your credit score, and the full application needs a credit check and approval.

Who it is for

We believe the card is well-suited for Crypto.com users who are comfortable staking CRO and desire rewards in CRO or bitcoin from a no-annual-fee credit card. It is less fitting for travelers due to the 3.0% foreign fee and for those who wish to avoid CRO exposure.

For those interested in a prepaid card from the same app, see the Crypto.com Prepaid Visa Card review. For bitcoin back without staking, the Gemini Credit Card review and the Fold Bitcoin Credit Card review detail cards with no annual fee.

For more about the exchange behind the card, refer to our Crypto.com review. To compare all cards, start at our crypto card comparison or consult the list of crypto credit cards.