Crypto.com Card Review: 2026 Bitcoin Rewards & Fees

A prepaid Visa card whose rewards are paid in CRO (Crypto.com's own token), not Bitcoin. Five tiers from Midnight Blue (no stake, 0% rewards) up to the top tiers that require large CRO lockups for up to ~5% back plus streaming and lounge perks. No annual fee and no FX markup, but the CRO-staking gate and CRO-denominated rewards make it the least "Bitcoin" card here.

The reward rate is set by your card tier, and the higher tiers require locking up CRO for 12 months. The entry (no-stake) tier earns 0%. Rewards are paid in CRO, not Bitcoin.

• No annual fee, no foreign-exchange markup
• Up to ~5% back on the prepaid tiers (higher on the new credit card)
• Streaming and airport-lounge perks on higher tiers
• Instant rewards

• Rewards are paid in CRO, not Bitcoin
• Meaningful rates require staking CRO (e.g. $500-$50,000+) locked for 12 months
• Tier structure was overhauled in 2024-2025; verify the current rate for your tier

• ⚠ CRO rewards carry the price risk of a single platform token
• ⚠ Staked CRO is locked for 12 months and exposed to platform/counterparty risk
• ⚠ Spending the prepaid balance is a taxable disposal of the crypto you loaded

This is a spend card: loading and spending the balance disposes of crypto, a taxable capital-gain/loss event per purchase. Rewards are paid in CRO (a non-Bitcoin token) and are themselves taxable on later disposal. Not tax advice; consult a professional.

Bitcoin and crypto cards have tax consequences that ordinary cash-back cards do not. There is no IRS guidance directly addressing Bitcoin credit-card rewards: in practice, rewards you earn by spending are widely treated the same as a cash-back rebate, not taxable when received, with the Bitcoin taking a cost basis so that a later sale is taxable. Treatment can differ for rewards that are not tied to spending. Spending crypto with a debit or spend card is different: each purchase is a disposal that triggers a capital gain or loss versus your cost basis, which can make frequent crypto spending a real cost and a record-keeping burden. From the 2026 tax year, US exchanges report user gains and losses to the IRS on Form 1099-DA. This is general information, not tax advice; consult a qualified tax professional about your situation.