Crypto.com says its app is available in 100+ markets, while the card rollout is staged across Singapore, the United States, the European Union, Canada, Australia, Brazil and more. Availability can change with regulation and market review, so the app Card tab is the source of truth for your address and account.
Official checks
In the Crypto.com App, open Card and check whether Prepaid Card, Visa Signature Credit Card, shipping address, KYC and card tier options appear. Then read Level Up, staking or subscription requirements, excluded merchant categories and reward caps.
Availability
Do not treat app availability as card availability. A market can support the app without supporting the card. U.S. users may see separate credit-card logic, while many other markets reference the Prepaid Card.
Does a paid Level Up plan pay for itself?
Counting card rewards only, a paid plan earns back its fee once your monthly card spend passes the break-even point, and then stops growing at the monthly cap. The chart uses the yearly prices on the Level Up page (US$49.90 and US$299.90 a year, shown there as US$4.16 and US$24.99 a month) and the caps in the rewards help article, both checked on 2026-10-19.
Worked check: at US$500 a month, Plus earns 1.5% × 500 = US$7.50 against US$4.16, so +US$3.34; Pro earns 2.5% × 500 = US$12.50 against US$24.99, so −US$12.49. At US$1,500 a month, Plus is capped at 1.5% × 750 = US$11.25, so +US$7.09; Pro earns 2.5% × 1,500 = US$37.50, so +US$12.51. On monthly billing (US$4.99 and US$29.99) the break-evens rise to about US$333 and US$1,200 of spend.
Before you subscribe: common pitfalls
- Subscribing before the card is available to you. The help centre says the card rollout is staged by market and the app is available in more places than the card. Open the Card tab first; a Level Up subscription does not make a card ship.
- Spend above the cap. The reward stops at US$750 a month on Plus and US$1,500 on Pro. Private continues at 0.5% above US$3,000 (US$50,000 lockup) or 1% above US$5,000 (US$500,000 lockup). The caps reset at 00:00 UTC on the first day of each month.
- Excluded merchant categories. The restriction list (June 2, 2026) excludes, among others, wire transfers and remittances (MCC 4829), utilities (4900), computer software (5734), and account funding, crypto purchases and stored-value top-ups (6012, 6051). Paying a utility bill or topping up another wallet earns nothing.
- Treating "back in crypto" as cash. Rewards are paid in CRO. Note the CRO amount and its US dollar value on the day it is credited.
- Expiring rebates. Spotify, Netflix and Truth+ rebates last 3 months on Plus and 6 months on Pro, and need an annual subscription or a CRO lockup; monthly subscribers do not get them.
Check in this order: Card tab and shipping, then your expected monthly spend against the break-even above, then the excluded categories for your largest bills. Keep: the plan and billing period you chose, monthly statements, and each CRO reward line with its value on the credit date.
Fees and rewards
As of the October 19, 2026 check of the Level Up page and the Prepaid Card rewards help article, card rewards are 1.5% on Plus (US$4.99 a month or US$49.90 a year, or a CRO lockup), 2.5% on Pro (US$29.99 a month or US$299.90 a year, or a CRO lockup), 3.5% on Private with a US$50,000 CRO lockup and 4.5% on Private with a US$500,000 CRO lockup; Basic has no card reward. These are lower than the 2%–5% the official pages showed when we checked them on August 31, 2026. The full rate applies only up to a monthly spend of US$750 (Plus), US$1,500 (Pro), US$3,000 (Private, then 0.5%) or US$5,000 (Private US$500,000, then 1%). The Level Up help article still calls the rewards "uncapped", so the official pages disagree; confirm the cap in the app. Excluded merchant categories and market restrictions can reduce the practical return further.
| Check | Official meaning | Reader action |
|---|---|---|
| Market | App availability and card rollout are separate | Check the Card tab before staking or subscribing |
| Rewards | 1.5%–4.5% by Level Up plan, with monthly spend caps | Confirm Level Up, CRO and cap rows |
| Exclusions | Financial services, digital wallets and other categories can be excluded | Save the excluded-MCC page before large spend |
| ATM | ATM limits and fees vary by card tier and region | Separate card-side fees from ATM operator fees |
Decision path
Three checks in order, so you do not pay for Level Up before the card can reach you.
Confirm the exact product, country, shipping and KYC state.
Check stake, lockup, subscription, reward rate and expiry or cap.
Keep spend, CRO credit, fee and statement records.
Evidence to save
- Card tab product and shipping address screen.
- Level Up plan: subscription or CRO lockup condition.
- Rewards rate, excluded category, cap and rebate expiry.
- First payment, CRO credit, ATM receipt and monthly statement.
If the Card tab shows no card for your address, or your monthly spend sits below the Plus break-even of about US$277, a card without a subscription may suit you better. These cards reviewed on this site pay rewards without a Level Up-style plan, though each has its own card or membership fee.
- KAST: the Standard tier is free and pays 1.5% in USD (not a token) on up to $2,000 a month; non-USD spending adds 0.5–1.75% FX. Review
- RedotPay: no cashback without the Pro plan (12.90 USD a month or 129 USD a year, 3% up to 600 USD of monthly spend); the card itself costs 10 USD virtual or 100 USD physical. Review
- Tria: Lite costs 20 USD a year with 1.5% back on the first 1,000 USD a month, then 0.5%. Review
Compared at US$500 of monthly spend: Crypto.com Plus nets about US$3.34 a month after its yearly fee, KAST Standard pays 1.5% × 500 = US$7.50 with no membership fee, before FX on non-USD purchases.
The three Open buttons are affiliate links and we may earn a commission; the Crypto.com links are not. KAST, RedotPay and Tria figures were taken from their own help pages in October 2026.
FAQ
Is Crypto.com Card available everywhere the app is available?
No. The help centre says the app is available in 100+ markets while the card rollout is staged, and the card is not available in U.S. territories such as Puerto Rico even though the app is.
At what monthly spend does Level Up Plus pay for itself?
Counting card rewards only and the yearly price of US$49.90 (US$4.16 a month), Plus breaks even at about US$277 of monthly card spend and peaks at a net US$7.09 a month once spend reaches its US$750 cap. On monthly billing of US$4.99 the break-even is about US$333.
When does Pro beat Plus?
On yearly prices, Pro (US$24.99 a month, 2.5% up to US$1,500) breaks even at about US$1,000 of monthly spend and only beats Plus above about US$1,283 a month, where Plus is already capped. Above US$1,500 Pro nets US$12.51 a month.
Is up to 4.5% back automatic?
No. The 4.5% rate needs the Private plan with a US$500,000 CRO lockup and applies to the first US$5,000 of monthly spend. Plus earns 1.5% and Pro 2.5%, Basic earns no card reward, and caps and excluded merchant categories also apply.
Do utility bills or wallet top-ups earn card rewards?
No. The restricted-MCC list excludes utilities (MCC 4900), wire transfers and remittances (4829), and account funding, crypto purchases and stored-value top-ups (6012 and 6051), among others.
Official sources
The Level Up page, the Prepaid Card rewards article, the restricted-MCC article (June 2, 2026) and the available-markets article were re-checked on 2026-10-19.