Crypto.com
Real cashback calculator
Enter how much you spend on the card and see what is actually left after the subscription, cap and fees.
Effective cashback
Estimated net monthly benefit
Estimated net annual benefit
At this monthly spend the estimated net benefit is roughly €80.10 per year.
- Advertised cashback
- 2.00%
- Expected cashback per month
- €10.00
- Subscription / tier cost
- -€3.32
- Monthly reward cap
- €21.50 (≈ spend of €1,075.00/month)
Line items
| Cashback after cap | exact fee | +€10.00 |
| Subscription | exact fee | -€3.32 |
- Break-even for this tier: from €170.00 a month.
- This tier is the best value at your spend.
- The Private tiers look best on paper (highest cashback, no cap), but they require locking at least €45,000 in CRO.
- Cashback and staking yield are paid in the CRO token. Its price fluctuates — the real value can be higher or lower.
Try the Crypto.com card (opens on crypto.com)
Referral link — if the conditions are met, both of us can receive a bonus.
Input reliability legend
- exact fee Subscription price, cap, FX rate, card issuance fee. Taken from the provider's official pages, each with a source and verification date.
- your input Monthly spend, share of foreign currency payments, whether you pay for Spotify or Netflix. The result is only as accurate as these inputs.
- model assumption The USD/EUR rate for dollar caps, the foregone return on locked capital (3% p.a., not counted by default — you enable it in the calculator), the streaming price for rebates (€11.99). They are labelled and open to challenge.
What we do not model
- CRO price risk — both cashback and locked capital are in a token whose value fluctuates.
- Staking yield on locked CRO — shown for information, not counted in the net benefit (it is paid in CRO and is an investment return, not card economics).
- The spread when selling CRO for euros.
- Visa's exchange rate margin on foreign currency payments (not a fee, but a real cost).
- Excluded merchant categories that earn no cashback.
- Taxes on rewards in your country.