How to use the Crypto.com card

The Crypto.com Card lets you spend crypto like cash, offering up to 8% cashback in CRO, with features like instant conversion, staking tiers, and robust security.

Aug 09, 2025 at 09:00 am

Understanding the Crypto.com Card and Its Features

The Crypto.com Card is a cryptocurrency-powered debit card that allows users to spend their digital assets in everyday transactions. It functions like a traditional debit card but is linked directly to your Crypto.com App wallet. Users can spend CRO, Bitcoin, Ethereum, and other supported cryptocurrencies at any merchant that accepts Mastercard. The card is available in several tiers—Ruby Steel, Jade Green, Royal Indigo, Midnight Blue, Obsidian, and Icy White—each offering different cashback rates and benefits based on the amount of CRO staked in the app.

One of the key features of the Crypto.com Card is instant cryptocurrency conversion at the point of sale. When you make a purchase, the system automatically converts your chosen cryptocurrency into fiat currency using the current market rate. This process is seamless and requires no manual conversion. Additionally, cardholders receive cashback rewards in CRO, which are credited to their Crypto.com account on a monthly basis. The higher the card tier, the greater the cashback percentage.

Setting Up Your Crypto.com Card

Before using the Crypto.com Card, you must complete several setup steps within the Crypto.com App. Ensure you have downloaded the official app from the App Store or Google Play and created an account. After logging in, navigate to the Card section and follow the prompts to apply for a card. You will need to verify your identity through KYC (Know Your Customer) procedures, which include submitting a government-issued ID and a selfie.

Once your application is approved, you must stake the required amount of CRO based on the card tier you desire. For example, the Midnight Blue card requires staking 4,000 CRO, while the Obsidian card requires 40,000 CRO. After staking, you can choose to activate a physical card or use the virtual card immediately. The virtual card details—including card number, CVV, and expiry date—can be accessed directly in the app under the Card Settings menu.

Activating and Securing Your Card

After receiving your physical Crypto.com Card or generating the virtual version, activation is required before use. Open the Crypto.com App, go to the Card tab, and select Activate Card. You will be prompted to enter the last four digits of the card and confirm your identity. Once activated, the card becomes ready for transactions.

Security is a top priority. Enable biometric authentication (Face ID or fingerprint) within the app settings to protect access. You can also set spending limits, toggle online or contactless payments, and instantly freeze or unfreeze the card if it’s misplaced. The app provides real-time transaction alerts, helping you monitor all activity. For added protection, never share your CVV, PIN, or recovery phrase with anyone.

Making Purchases with the Crypto.com Card

Using the Crypto.com Card is straightforward, whether online or in-store. For in-person purchases, simply tap your physical card or use Apple Pay/Google Pay integration. The app allows you to add your virtual card to mobile wallets. When you make a purchase, the system draws funds from your selected cryptocurrency wallet.

To choose which cryptocurrency to spend, go to Card Settings > Spending Preferences in the app. Here, you can set your default spending currency. Options include CRO, BTC, ETH, USDC, and others. If your selected crypto balance is insufficient, the system will automatically convert CRO to cover the difference, provided you have enough staked or in your wallet.

For online transactions, enter the card details as you would with any debit card. The virtual card can be used immediately after activation. All transactions are processed in real time, and the app displays the converted fiat amount along with the crypto equivalent deducted from your wallet.

Earning and Managing Cashback Rewards

One of the most attractive aspects of the Crypto.com Card is the cashback program. Each purchase earns cashback in CRO, with rates ranging from 1% to 8% depending on your card tier. For example, the Obsidian card offers 3% cashback on all purchases and up to 8% on netflix, spotify, and amazon.

Cashback is calculated monthly and distributed around the 8th of the following month. To view your rewards, go to the Rewards section in the app. You can also track pending cashback and transaction history. The earned CRO is deposited directly into your CRO wallet and can be used for future spending, staking, or trading.

You can optimize rewards by using the card for recurring subscriptions such as streaming services or cloud storage. Since cashback is paid in CRO, holding or staking these rewards may provide additional benefits, including higher card tiers or increased interest earnings in the Earn program.

Troubleshooting Common Issues

If your Crypto.com Card is declined, check several factors. First, ensure your selected cryptocurrency wallet has sufficient balance. Even if you have funds in other wallets, the default spending currency must cover the transaction. Also, verify that your card is activated and not frozen in the app.

For international transactions, confirm that foreign transaction fees are enabled. Some cards may have restrictions based on region. If a purchase fails, wait a few minutes and retry, as temporary network delays can occur. Contact Crypto.com Support via the app’s Help Center if issues persist.

If you lose your physical card, immediately use the app to freeze the card and request a replacement. A fee may apply depending on your card tier. Lost virtual card details can be regenerated instantly in the app without delay.

Frequently Asked Questions

Can I change my default spending cryptocurrency after setup?

Yes. Open the Crypto.com App, go to Card Settings > Spending Preferences, and select a new default currency from the available options. Changes apply immediately to all future transactions.

Is there a daily spending limit on the Crypto.com Card?

Yes. Default limits vary by region and card tier. You can adjust these limits manually in the app under Card Controls. Increase or decrease transaction caps for ATM withdrawals, online spending, or contactless payments.

How long does it take to receive the physical Crypto.com Card?

Delivery times depend on your location. Within the U.S. and Europe, it typically arrives within 7 to 14 business days. Expedited shipping may be available for certain card tiers. Track your shipment through the app’s Card section.

What happens if I unstake my CRO after getting a higher-tier card?

If you reduce your staked CRO below the required amount, your card tier will be downgraded in the next billing cycle. This affects cashback rates and benefits. You retain the card but lose premium features until staking requirements are met again.