How to earn cashback rewards on Crypto.com

Crypto.com cashback rewards let you earn 1-10% back in CRO tokens on purchases, based on your card tier and staked CRO amount.

Aug 12, 2025 at 02:08 am

Understanding Cashback Rewards on Crypto.com

Cashback rewards on Crypto.com are a feature designed to incentivize users to spend using their Crypto.com Card, which is a Visa debit card linked to your cryptocurrency holdings. When you make purchases with the card, a percentage of the transaction amount is returned to you in the form of CRO tokens, the native cryptocurrency of the Crypto.com ecosystem. The cashback rate varies depending on the card tier you qualify for, which is determined by the amount of CRO staked in your account. Higher staking amounts unlock higher-tier cards and, consequently, higher cashback percentages. This system encourages users to hold and stake CRO while enjoying real-world spending benefits.

Card Tiers and Their Cashback Rates

The cashback percentage you receive is directly tied to your Crypto.com Card tier. Each tier requires a specific amount of CRO staked for 180 days. The tiers and their associated cashback rates are as follows:

• Ruby Steel Card: Requires 0 CRO staked. Offers 1% cashback on all purchases.
• Royal Indigo Card: Requires 50 CRO staked. Provides 2% cashback.
• Navy Blue Card: Requires 500 CRO staked. Grants 3% cashback.
• Jade Green Card: Requires 1,000 CRO staked. Delivers 5% cashback.
• Royal Crimson Card: Requires 5,000 CRO staked. Offers 6% cashback.
• Frosted Rose Gold Card: Requires 50,000 CRO staked. Provides 8% cashback.
• Obsidian Card: Requires 50,000 CRO staked with additional eligibility criteria. Offers up to 10% cashback.
  

  Each of these tiers also comes with additional perks such as airport lounge access, mobile phone insurance, and subscription rebates. The cashback is paid in CRO and is credited to your Crypto.com account monthly, typically within the first five days of the following month.

  How to Stake CRO to Unlock Higher Cashback

  
  To access higher cashback rates, you must stake CRO in your Crypto.com account. The process involves several steps:
• Log in to your Crypto.com app or visit the official website.
• Navigate to the "Earn" section and select "Stake".
• Choose the CRO token from the list of available assets.
• Enter the amount of CRO you wish to stake, ensuring it meets the minimum requirement for your desired card tier.
• Select the 180-day lock-up period, as this is mandatory for card eligibility.
• Confirm the staking transaction using your security credentials.
  

  Once staked, the CRO will be locked for 180 days and cannot be withdrawn during this period. After staking, you can apply for the corresponding card tier through the "Card" section of the app. Approval typically takes a few business days, after which your physical or virtual card will be issued.

  Earning Cashback on Everyday Purchases

  
  Once your Crypto.com Card is activated, earning cashback is automatic whenever you use the card for purchases. Whether you're shopping online, paying bills, or buying groceries, every transaction qualifies for cashback based on your card tier. The key points to remember are:
• Transactions must be made using the Crypto.com Card, either via the physical card, Apple Pay, Google Pay, or the virtual card.
• The merchant must accept Visa debit transactions.
• Cashback is calculated on the final settled amount after any refunds or adjustments.
• Certain transaction types, such as cash advances, money transfers, and cryptocurrency purchases, do not qualify for cashback.
  

  The cashback is calculated in fiat currency (e.g., USD, EUR) and then converted into CRO at the prevailing market rate when credited. This means the CRO value received may vary slightly month to month based on price fluctuations.

  Tracking and Receiving Your Cashback

  
  Monitoring your cashback earnings is straightforward within the Crypto.com app:
• Open the app and go to the "Card" section.
• Tap on your active card to view transaction history and cashback details.
• A dedicated "Cashback" tab shows pending and credited rewards.
• Monthly cashback is credited as a single transaction in CRO.
  

  You can view the exact breakdown of cashback earned per transaction, including the fiat amount, CRO equivalent, and date credited. If you believe a transaction is missing cashback, you can contact Crypto.com support directly through the app’s help center. Disputes must be raised within 60 days of the transaction date.

  Maximizing Cashback Benefits

  
  To get the most out of the cashback program, consider the following strategies:
• Increase your staked CRO to reach a higher card tier, which directly boosts your cashback rate.
• Use the card for recurring expenses like subscriptions, utilities, and groceries to accumulate rewards faster.
• Take advantage of bonus cashback promotions, such as limited-time offers on specific merchants (e.g., 10% cashback at Amazon or Spotify).
• Combine cashback with referral bonuses—invite friends to join Crypto.com and earn extra CRO when they activate their card.
• Reinvest your cashback CRO by staking it again to compound long-term rewards.
  

  Ensure your card is set as the default payment method in digital wallets like Apple Pay to avoid missing out on eligible purchases.

  Frequently Asked Questions

  
  Q: Can I unstake CRO before the 180-day period ends?
  No, CRO staked for card benefits is locked for 180 days and cannot be withdrawn early. Attempting to unstake before maturity will result in loss of card privileges and cashback eligibility.
  

  Q: Is cashback applied immediately after each purchase?
  
  Cashback is not applied instantly. It is aggregated monthly and credited in CRO during the first few days of the following month.

  Q: What happens if I downgrade my card tier?
  
  If you reduce your staked CRO and move to a lower tier, your cashback rate will decrease accordingly. Any future purchases will earn cashback at the new tier’s rate.

  Q: Are there any fees associated with earning cashback?
  
  There are no fees for earning or receiving cashback. However, standard transaction fees may apply based on your card type and usage, such as foreign exchange fees for international purchases.