Crypto.com Card Fees and Limits: US and UK (2026)
Crypto.com card fees and limits from its help centre: 3% FX on most US tiers, new UK FX fees since Oct 1, 2026, ATM allowances and top-up caps.
In this article
Crypto.com card fees depend on two things: the country your card was issued in and your card tier. In the US, the Midnight, Ruby, Jade and Indigo cards pay a 3% fee "on all non-USD purchases and ATM withdrawals," and only the Icy, Rose and Obsidian cards pay none, per Crypto.com's US fees and limits article. In the UK, Ruby, Jade and Indigo cards started paying a foreign transaction fee on October 1, 2026, per the UK fees and limits article. This guide puts both regions' Crypto.com card fees and limits side by side, works out what a month of foreign spending actually costs on each tier, and compares it with a prepaid crypto debit card like SolCard.
Crypto.com sells two different Visa cards in the US, and their fees have nothing in common.
- The Crypto.com Prepaid Card. This is the card most people mean. "The Crypto.com Card is a prepaid card," and you top it up "using your Crypto Wallet, your Cash Account, or other credit/debit cards," per Crypto.com's US prepaid card page. The same page adds that "cardholders cannot load cryptocurrency onto their Crypto.com Prepaid Visa Card": crypto is converted to dollars on the way in.
- The Crypto.com Visa credit card (US only). A separate product issued by Comenity Capital Bank, with approval subject to a credit check, per Crypto.com's US cards page. It has its own rewards table and fees.
Everything below covers the prepaid card. If you are weighing a real credit line against a prepaid card, our guide to crypto credit cards for everyday purchases explains the difference.
Crypto.com's help articles now use new names for the old card colours, and both appear in the app and in fee tables:
| New name | Old card colours |
|---|---|
| Basic | Midnight (Midnight Blue) |
| Plus | Ruby (Ruby Steel) |
| Pro | Jade Green, Royal Indigo |
| Private | Icy White, Frosted Rose Gold, Obsidian |
Source: UK fees and limits article. Fee tables still split by colour, so this guide uses the colour names.
Your tier comes from your Level Up plan: "Your Level Up plan determines which Crypto.com Prepaid Card tier you're eligible to apply for," per the US prepaid card page. Midnight is free; Ruby, Jade and Indigo can be unlocked by a subscription or by locking up CRO (Crypto.com's token) for 12 months, and Icy, Rose and Obsidian only by the lockup.
| Tier | Subscription | Or CRO locked up for 12 months | CRO rewards on everyday spend | Monthly spend that earns rewards |
|---|---|---|---|---|
| Midnight Blue | Free | None | 0% | None |
| Ruby Steel | $4.99/month or $49.90/year | $500 | 1.5% | First $750 |
| Jade Green / Royal Indigo | $29.99/month or $299.90/year | $5,000 | 2.5% | First $1,500 |
| Icy White / Rose Gold | Not offered | $50,000 | 3.5% | First $3,000, then 0.5% |
| Obsidian | Not offered | $500,000 | 4.5% | First $5,000, then 1% |
Source: Crypto.com US prepaid card page. The UK article confirms the same monthly reward caps and lists Basic as "N/A" for rewards, per the UK fees and limits article.
The reward cap is the number to watch. On Ruby, 1.5% of $750 is at most $11.25 of CRO a month, against a $4.99 subscription. On Jade or Indigo, 2.5% of $1,500 is at most $37.50 a month, against $29.99. Paid monthly, the most either tier returns above its fee is $6.26 and $7.51, before counting the streaming rebates and lounge visits the prepaid card page lists as perks, and before any change in the CRO price.
All figures are from Crypto.com's US fees and limits article, last updated September 1, 2026.
| Fee | Midnight | Ruby | Jade / Indigo | Icy / Rose / Obsidian |
|---|---|---|---|---|
| Foreign transaction (non-USD purchases and ATM) | 3% | 3% | 3% | None |
| Physical card | $4.99 | $29.99 for monthly Plus subscribers under 6 months; otherwise free | No fee listed | No fee listed |
| Card replacement | $7 | $50 | $50 | $50 |
| Top-up by debit card | 1% | 1% | 1% | 1% |
| Top-up by credit card | 2.99% | 2.99% | 2.99% | 2.99% |
| Top-up by PayPal | 2.1% | 2.1% | 2.1% | 2.1% |
| ATM above the free allowance | 2% | 2% | 2% | 2% |
| Inactivity (after 12 months) | $5.95 a month | $5.95 a month | $5.95 a month | $5.95 a month |
Three things in that table catch people out:
- The 3% foreign transaction fee covers every card below Icy. A Ruby or Jade subscription unlocks rewards, not fee-free spending abroad. Only the CRO lockup tiers from $50,000 up remove it.
- The inactivity fee went up. It was $4.95 a month and became $5.95 from September 1, 2026. It starts after 12 months without cardholder-initiated activity, and "declined and refunded transactions do not constitute financial activity."
- The article doesn't list a fee for moving crypto to the card. The fees it lists are for funding by debit card, credit card and PayPal.
| Limit | Midnight | Ruby | Jade / Indigo / Icy / Rose / Obsidian |
|---|---|---|---|
| Purchases (in-store and online) | $10,000 a day, $15,000 a month | $25,000 a day and a month | $25,000 a day and a month |
| Free ATM withdrawals a month | $200 | $400 | $800 (Jade/Indigo), $1,000 (Icy/Rose/Obsidian) |
| ATM withdrawals | $500 a day, $5,000 a month | $1,000 a day, $10,000 a month | $2,000 a day, $10,000 a month |
| Top-ups, all methods | $10,000 a day, $25,000 a month | Same | Same |
| Top-up by debit or credit card | $250 a day, $2,000 a month | $1,000 a day, $5,000 a month | $1,000 a day, $5,000 a month |
| Maximum card balance | $25,000 | $25,000 | $25,000 |
Source: US fees and limits article. The minimum debit or credit card top-up is $20, and ATM withdrawals are limited to 3 a day and 30 a month on every tier.
The article also sets an "overall withdrawal limit of USD15,000 per month for Midnight Blue cards," covering purchases, ATM withdrawals and card-to-card transfers together. A Midnight card that withdraws $5,000 in cash has $10,000 of room left for purchases that month.
All figures are from Crypto.com's UK fees and limits article, last updated October 13, 2026.
Until September 30, 2026, only Midnight cards paid a foreign transaction fee in the UK. From October 1, Ruby, Jade and Indigo cards pay one too:
| Tier | Non-GBP, within the EU and UK | Non-GBP, outside the EU and UK |
|---|---|---|
| Midnight | 0.2% | 2.0% |
| Ruby | 0.2% | No fee up to £400 a calendar month, then 2.0% |
| Jade / Indigo | 0.2% | No fee up to £800 a calendar month, then 2.0% |
| Icy / Rose / Obsidian | No fee | No fee |
The fee applies to "all non-GBP purchases and ATM transactions." A UK Ruby cardholder paying in euros in Spain now pays 0.2%, and one paying in dollars in New York pays nothing on the first £400 of the month and 2% after that.
Other UK fees and limits from the same article:
- Free ATM withdrawals a month: £180 (Midnight), £360 (Ruby), £720 (Jade/Indigo and Icy/Rose), £900 (Obsidian), then 2%.
- ATM caps: £1,800 a day, £9,000 a month, £66,000 a year, and 3 withdrawals a day, on every tier.
- Purchases: up to £22,000 a day and a month on every tier, with a £22,000 maximum card balance.
- Top-up by debit or credit card: 1%.
- Physical card: £4.99 for Midnight; £24.99 for Ruby on a monthly Plus plan held under six consecutive months; free otherwise.
- Card replacement: £45.01 for Midnight, £50 for other tiers.
- Account closure: £50.
- Inactivity: £5 a month after 12 months of no cardholder-initiated activity, rising to £6 from October 1, 2026.
Fee tables are hard to compare, so here is one month of travel worked through: ten purchases totalling $1,000, all billed in euros, paid with the card. CRO rewards assume every purchase is eligible and count at face value.
| Card | FX fee | Subscription | CRO rewards | Net cost |
|---|---|---|---|---|
| US Midnight | $30.00 | $0 | $0 | $30.00 |
| US Ruby (monthly plan) | $30.00 | $4.99 | $11.25 | $23.74 |
| US Jade / Indigo (monthly plan) | $30.00 | $29.99 | $25.00 | $34.99 |
| UK Midnight, spending in the eurozone | $2.00 | $0 | $0 | $2.00 |
| UK Midnight, spending in the US (non-GBP) | $20.00 | $0 | $0 | $20.00 |
Rates and caps from the US and UK fees and limits articles and the US prepaid card page. The UK rows convert the percentages at the same $1,000 for comparison.
Two conclusions fall out of it:
- For US cardholders abroad, the 3% fee outweighs the rewards. Ruby's best case returns $11.25 against $30 of FX fees, and on a monthly plan Jade or Indigo costs more than Midnight once the subscription is counted.
- UK cards are far cheaper inside the EU and UK. At 0.2%, a UK Midnight card pays less in a month in the eurozone than a US card pays on a single $70 purchase.
This doesn't include what the merchant or ATM adds. If a terminal offers to charge you in your home currency, decline it: dynamic currency conversion adds its own markup on top, as our guide to crypto card foreign transaction fees explains. ATM operators can also add a surcharge, and Crypto.com counts it toward your withdrawal limit, per both fee articles. Our crypto card ATM withdrawal guide covers how those surcharges stack.
SolCard is a prepaid Visa / Mastercard card you top up from a crypto wallet with USDT, USDC or SOL, on Solana, Ethereum, Base, Polygon and more. Its balance is in US dollars, so the same $1,000 of euro purchases is a foreign-currency spend on both cards. It doesn't offer cashback, so the comparison counts fees only.
| Cost on $1,000 of euro purchases | SolCard Virtual | SolCard Platinum |
|---|---|---|
| Top-up fee to load $1,000 | $50 (5%) | $0 |
| FX spread | $10 to $20 (1-2%) | $0 to $15 (0-1.5%) |
| Per transaction, 10 purchases | $3.00 ($0.30 each) | $3.00 ($0.30 each) |
| Total | $63 to $73 | $3 to $18 |
Sources: SolCard fees, and the SolCard help-centre fee breakdown for the $0.30 per transaction. Both tiers also charge $10 per card at issuance.
Read honestly, this favours Crypto.com in most cases:
- US readers: SolCard Platinum isn't available in the US, only Virtual. At $63 to $73, SolCard Virtual costs more on this month than any US Crypto.com tier in the worked example.
- Readers outside the US: Platinum's $3 to $18 beats a US-style 3% fee, but a UK Crypto.com Midnight card spending in the eurozone, at $2, still costs less.
Where SolCard fits is the funding route rather than the fee line. You top it up straight from your own wallet in stablecoins or SOL across several networks, instead of moving funds into a Crypto.com account and converting there first. The Virtual tier caps spending at $10,000 a month and doesn't require ID verification; Platinum requires verification. SolCard's limits are real: the 5% Virtual top-up fee, no Apple Pay or Google Pay on Virtual, a restricted-country list that includes Nigeria, Russia, South Africa and Ukraine, and, like most prepaid cards, it often can't cover hotel or car-rental deposit holds. Our card comparison page sets it against other cards.
If you're in the US and mostly spend in dollars, a free Midnight card costs nothing to hold, and Ruby only earns its full $11.25 a month of CRO if you spend $750 a month on eligible purchases. If you travel, the 3% fee on Midnight, Ruby, Jade and Indigo cards is the cost that matters, and no subscription removes it: only a $50,000 CRO lockup does.
In the UK, the October 1 change narrowed the gap between tiers. Ruby, Jade and Indigo now pay 0.2% within the EU and UK like Midnight, and their main FX advantage is a monthly fee-free allowance of £400 or £800 outside them.
If you would rather top up from your own wallet than through an exchange account, SolCard is worth a look, at the cost of a 5% top-up on Virtual or ID verification on Platinum. For more options, see our best crypto debit cards roundup and our KAST Card guide.
Yes, on most tiers. In the US, Midnight, Ruby, Jade and Indigo cards pay 3% on non-USD purchases and ATM withdrawals, per the US fees and limits article. In the UK, Midnight, Ruby, Jade and Indigo pay 0.2% within the EU and UK, and outside them Ruby and Jade/Indigo get a £400 or £800 monthly fee-free allowance before 2%, per the UK article. Icy, Rose and Obsidian pay none in either country.
In the US, Midnight cards can withdraw $500 a day and $5,000 a month, Ruby $1,000 a day, and higher tiers $2,000 a day, with a $10,000 monthly cap. Withdrawals are free up to $200 to $1,000 a month depending on tier, then cost 2%, per the US article. UK cards are capped at £1,800 a day and £9,000 a month.
US Midnight cards can spend $10,000 a day and $15,000 a month. Other US tiers can spend $25,000 a day and a month, and every US card holds at most $25,000, per the US article. UK cards can spend up to £22,000 a day and a month.
Topping up by debit card costs 1%. In the US, credit card top-ups cost 2.99% and PayPal 2.1%, per the US article. The article doesn't list a fee for moving crypto to the card.
Yes, after 12 months with no cardholder-initiated activity. It is $5.95 a month in the US from September 1, 2026, and £6 a month in the UK from October 1, 2026, per the US and UK fee articles. Declined and refunded transactions don't count as activity.
The main Crypto.com card is prepaid, per the US prepaid card page. In the US, Crypto.com also offers a separate Visa credit card issued by Comenity Capital Bank and subject to credit approval, per its US cards page.
