Crypto.com Visa Card Obsidian
A plan byCrypto.com Visa Card · Visa
Crypto.com's Visa card comes in 5 tiers (from Midnight Blue to Obsidian): zero FX markup, free ATM withdrawals up to a cap and CRO cashback that climbs to 5% on the higher tiers. The high cashback, however, requires locking CRO in staking — tying up capital and exposing you to the token's price risk.
Obsidian
- Price
- Free
- fee_emissione_eur
- Free
- fx_markup_pct
- 0%
- Cashback
- 8%
- cashback_valuta_reward
- CRO
- staking_richiesto
- Staking CRO per i tier oltre il 1%
- atm_fee_pct
- 2%
- atm_limit
- €400–1.000/mese gratis, poi 2%
- costo_netto_annuo_eur
- Free
- Required CRO staking
- €400,000
What's included
- Private jet
- 24/7 concierge
- All subscriptions
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Custodial (platform holds funds) |
| Issuance fee | Free |
| Annual fee | Free |
| Free ATM limit | €400–1,000/month free, then 2% |
| ATM withdrawal | 2% |
| FX markup | 0% |
| Cashback | 5% in CRO · Staking CRO per i tier oltre il 1% |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | US, EEA, UK, APAC, LATAM, MENA · 90+ countries |
| Funding / solidity | 100M+ utenti · $1,5B ricavi |
| Estimated net annual cost | €0/year |
| Regulator | MFSA |
| OAM Italy registration | Yes |
| Segment | B2C |
| Funding / solidity | 100M+ users · $1.5B revenue |
| MiCA / License status | MiCAMASVASP MiCA CASP (Malta) · MAS (SG) · VASP |
Strengths
- Zero FX markup (0%)
- Up to 5% CRO cashback on higher tiers
- Free card, no mandatory fee
- Free ATM withdrawals within the monthly cap
Weaknesses
- High cashback requires CRO staking: locked capital and price risk
- Staking lock-up of up to 180 days
- Tier cashback cut versus launch levels (2022-23)
Verdict
Crypto.com's Visa card comes in 5 tiers (from Midnight Blue to Obsidian): zero FX markup, free ATM withdrawals up to a cap and CRO cashback that climbs to 5% on the higher tiers. The high cashback, however, requires locking CRO in staking — tying up capital and exposing you to the token's price risk.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
FAQ
How much cashback does the Crypto.com Visa Card really give?
The entry tier (Midnight Blue) gives 0%; reaching 5% requires staking roughly €40,000 worth of CRO.
Does the Crypto.com Visa Card have a fee?
No, the card is free: there is no issuance or annual fee. Any cost comes from the CRO staking needed for the higher cashback tiers.
Sources
- Official service page Data verified on Jun 1, 2026
- Verified source Data verified on Jun 13, 2026
Update history
- Entry rebuilt from the v2 canonical dataset (manually verified record).