Introduction
Crypto.com, a leading cryptocurrency exchange, offers a range of Visa cards to suit the needs of different users. These cards provide various rewards, benefits, and fees based on their tier level. In this comprehensive guide, we will explore the different crypto.com card tiers, their features, and how to choose the best card for your needs.
Card Tiers: Obsidian, Icy White, Frosted Rose Gold & Indigo/Jade Green
Obsidian Card
The Obsidian card is the top-tier card from Crypto.com. It offers the highest rewards, benefits, and perks, including:
- Up to 8% cashback on all purchases
- Unlimited LoungeKey airport lounge access
- 10% APY on staked CRO
- Private jet membership discounts
Icy White Card
The Icy White card is the second-tier card from Crypto.com. It offers similar rewards and benefits to the Obsidian card, but with slightly lower limits.
- Up to 5% cashback on all purchases
- Unlimited LoungeKey airport lounge access
- 8% APY on staked CRO
Frosted Rose Gold & Indigo/Jade Green Card
The Frosted Rose Gold and Indigo/Jade Green cards are the mid-tier cards from Crypto.com. They offer a range of rewards and benefits, including:
- Up to 3% cashback on all purchases
- 10 airport lounge passes per year
- 5% APY on staked CRO
Fees: Issuance, Annual, Interbank, and ATM Withdrawal Fees
Issuance Fee
Crypto.com charges an issuance fee for all its cards. The fee varies depending on the card tier.
- Obsidian: $500
- Icy White: $50
- Frosted Rose Gold: $50
- Indigo/Jade Green: $50
Annual Fee
Crypto.com does not charge an annual fee for any of its cards.
Interbank Fees
Crypto.com charges an interbank fee of 0.5% on all foreign currency transactions.
ATM Withdrawal Fees
Crypto.com charges an ATM withdrawal fee of 2.5% for all ATM withdrawals.
Benefits: Lounge Access, Rewards, and Card Limits
Lounge Access
Crypto.com cards offer unlimited LoungeKey airport lounge access for Obsidian and Icy White cardholders. Frosted Rose Gold and Indigo/Jade Green cardholders receive 10 airport lounge passes per year.
Rewards
Crypto.com cards offer rewards in the form of cashback and CRO staking rewards. Cashback rewards vary depending on the card tier, while CRO staking rewards are based on the amount of CRO staked.
Card Limits
Crypto.com cards have daily and monthly spending limits. The limits vary depending on the card tier.
- Obsidian: $25,000 daily limit, $250,000 monthly limit
- Icy White: $20,000 daily limit, $200,000 monthly limit
- Frosted Rose Gold: $10,000 daily limit, $100,000 monthly limit
- Indigo/Jade Green: $5,000 daily limit, $50,000 monthly limit
Comparison Table: Crypto.com Card Tiers vs. Competitors
| Feature | Obsidian | Icy White | Frosted Rose Gold | Indigo/Jade Green | Competitor A | Competitor B |
|---|---|---|---|---|---|---|
| Cashback | 8% | 5% | 3% | 3% | 2% | 1% |
| CRO Staking Rewards | 10% APY | 8% APY | 5% APY | 5% APY | 6% APY | 4% APY |
| Lounge Access | Unlimited | Unlimited | 10 passes/year | 10 passes/year | 5 passes/year | 2 passes/year |
| Annual Fee | $500 | $50 | $50 | $50 | $95 | $195 |
| Issuance Fee | $500 | $50 | $50 | $50 | $49 | $75 |
Conclusion
Crypto.com card tiers offer a range of benefits and rewards to suit the needs of different users. From the top-tier Obsidian card to the mid-tier Frosted Rose Gold and Indigo/Jade Green cards, there is a card for everyone. Be sure to consider the rewards, benefits, and fees associated with each card tier before making a decision.
If you found this guide helpful, be sure to check out our other articles on crypto.com cards and other cryptocurrency-related topics.
FAQ about Crypto com Card Tiers
What are the different Crypto com card tiers?
The Crypto com card tiers are:
- Midnight Blue: Free, no rewards
- Ruby Steel: $400 stake, 2% rewards
- Royal Indigo: $4,000 stake, 3% rewards
- Jade Green: $40,000 stake, 4% rewards
- Icy White: $400,000 stake, 5% rewards
- Obsidian: $4,000,000 stake, 8% rewards
How do I choose the right Crypto com card tier for me?
The best Crypto com card tier for you depends on your spending habits and how much you’re willing to stake. If you don’t spend much, the Midnight Blue card is free and offers no rewards. If you spend more, the Ruby Steel card offers 2% rewards. The Royal Indigo card offers 3% rewards, the Jade Green card offers 4% rewards, the Icy White card offers 5% rewards, and the Obsidian card offers 8% rewards.
How can I upgrade my Crypto com card tier?
To upgrade your Crypto com card tier, you need to stake more CRO tokens. The amount of CRO you need to stake depends on the tier you want to upgrade to. You can stake your CRO tokens in the Crypto com app.
How long does it take to upgrade my Crypto com card tier?
It takes 24 hours to upgrade your Crypto com card tier after you stake the required amount of CRO tokens.
What are the benefits of having a Crypto com card?
There are many benefits to having a Crypto com card, including:
- Rewards: You can earn rewards on all of your purchases.
- No fees: There are no fees for using your Crypto com card.
- Discounts: You can get discounts on purchases from select merchants.
- Access to exclusive perks: You can get access to exclusive perks, such as airport lounge access.
What are the risks of having a Crypto com card?
There are some risks to having a Crypto com card, including:
- Cryptocurrency price volatility: The value of CRO tokens can fluctuate, which could affect the value of your rewards.
- Staking risk: If you stake your CRO tokens, you could lose your investment if the value of CRO tokens drops.
- Fraud: Your Crypto com card could be used fraudulently.
How can I protect myself from the risks of having a Crypto com card?
You can protect yourself from the risks of having a Crypto com card by:
- Doing your research: Before you get a Crypto com card, do your research to understand the risks involved.
- Using a strong password: Use a strong password to protect your Crypto com account.
- Enabling two-factor authentication: Enable two-factor authentication to add an extra layer of security to your account.
- Storing your CRO tokens securely: Store your CRO tokens in a secure wallet.
Is the Crypto com card worth it?
The Crypto com card is worth it if you spend a lot of money on purchases and you’re willing to stake CRO tokens. The rewards you earn can offset the cost of the card, and you can get access to exclusive perks. However, if you don’t spend much money on purchases, the Crypto com card may not be worth it.
