Crypto com Credit Card | Activate and Spend in Dollars Earn in Crypto

The Crypto.com Credit Card is a popular card offered by Crypto.com, which allows you to spend your cryptocurrency holdings and earn various rewards.

It’s one of the most well-known crypto debit/credit cards, providing numerous perks, such as cashback, rewards, and crypto staking benefits.

Here’s a breakdown of how it works and how you can get started:

Crypto.com Credit Card Overview

The Crypto.com card is a Visa-backed prepaid card that lets you spend your cryptocurrencies (such as Bitcoin, Ethereum, USDC, etc.) at millions of locations worldwide that accept Visa cards.

You load your Crypto.com account with your preferred cryptocurrency and then use the card to pay, just like a regular debit or credit card.

How to Get a Crypto.com Card

1. Sign Up:

   • Download the Crypto.com app (available on iOS or Android).

   • Create an account, and complete the identity verification process (KYC).

2. Choose Your Card Tier:

   • Crypto.com offers different card tiers based on the amount of CRO (Crypto.com Coin) you stake. Each tier comes with various rewards and benefits. The tiers are:

     • Midnight Blue (No CRO staking required, but offers fewer rewards)

     • Ruby Steel (Stake 1,000 CRO)

     • Jade Green / Royal Indigo (Stake 5,000 CRO)

     • Icy White / Frosted Rose Gold (Stake 35,000 CRO)

     • Obsidian (Stake 500,000 CRO)

3. Order Your Card:

   • After choosing your card tier, you’ll be able to order your physical card. The higher the staking tier, the more benefits and rewards you’ll get.

   • Once you’ve staked the required amount of CRO (Crypto.com’s native token), you can apply for the card directly in the app.

4. Activate and Fund Your Card:

   • Once your card arrives, activate it via the Crypto.com app.

   • Fund your card using cryptocurrencies. Your card will automatically convert your crypto into fiat at the time of the transaction.

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Crypto.com Card Benefits

Here are some of the key benefits of holding and using a Crypto.com Credit Card:

1. Cashback Rewards:

   • You’ll earn cashback in CRO on all purchases, which can be used to offset future spending or staked to earn more rewards.

   • The cashback percentage depends on the tier of your card:

     • 1% cashback for Midnight Blue (no staking required).

     • 2% to 5% cashback for higher tiers like Ruby Steel, Jade Green, and Obsidian (with staking).

2. Free Netflix, Spotify, and Amazon Prime:

   • Certain card tiers offer monthly reimbursements for services like Netflix, Spotify, and Amazon Prime.

3. Airport Lounge Access:

   • Higher-tier cards give you access to 500+ airport lounges around the world (especially beneficial for frequent travelers).

4. No Annual Fees:

   • Unlike traditional credit cards, there are no annual fees for the Crypto.com card, except for the initial CRO staking.

5. Free ATM Withdrawals:

   • You can make free ATM withdrawals worldwide, up to a certain limit, depending on the card tier.

6. Crypto Rewards:

   • In addition to cashback, you can earn crypto rewards on your staking of CRO and on purchases made through the card.

7. Visa-Backed:

   • The Crypto.com card is a Visa card, which means you can use it at millions of locations globally that accept Visa payments.

Crypto.com Card Tiers and Benefits

How the Crypto.com Card Works

• Conversion of Crypto to Fiat: When you make a purchase, your crypto in your Crypto.com wallet is automatically converted into fiat currency (USD, EUR, GBP, etc.). The conversion is done at the real-time market rate, with a small fee.

• Staking CRO: Higher-tier cards require you to stake CRO in the Crypto.com app. This means you lock up a certain amount of CRO for a specified period (usually 6 months) in exchange for higher rewards.

• Fiat Balances: You can also maintain a fiat balance on the card and top it up as you need.

How to Activate and Use the Card

1. Activate: After receiving the card, you’ll need to activate it in the Crypto.com app by following the instructions.

2. Use: Simply use it at any Visa-accepting merchant. If you’ve linked it to your crypto wallet, it will pull from that balance. Otherwise, it will use your fiat balance.

3. Earn Rewards: Earn cashback in CRO for every purchase made, which can be used to pay for things, staked for rewards, or withdrawn.

Where to Use the Crypto.com Credit Card

• Online and Offline Purchases: The Crypto.com card can be used at millions of merchants worldwide that accept Visa.

• ATMs: You can use your card to withdraw cash from ATMs globally, within the limits of your tier.

Crypto.com Card Fees

• Transaction Fees: When converting crypto into fiat currency for payments, there might be small conversion fees. These are typically around 2-3% for standard conversions, though they might be lower for CRO conversions.

• ATM Withdrawals: There’s typically a limit for free ATM withdrawals each month (varies by card tier), and after exceeding that, there may be a small fee.

Is the Crypto.com Card Worth It?

• If you’re already holding cryptocurrency and want to easily spend it in everyday purchases, the Crypto.com card is an excellent option with many great rewards, especially if you plan on staking CRO to unlock the higher-tier benefits.

• The free Netflix and Spotify credits, along with cashback and lounge access, make it an attractive option for frequent travelers or those who want to get more out of their crypto holdings.