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Crypto.comEEA

Crypto.com card 2026: what you really get

An overview of the Level Up tiers for the European Economic Area, verified against Crypto.com's official pages. No legacy tiers, no “up to 8%”.

Last verified: Official source: crypto.com/eea/cards

Crypto.com card tiers for the EEA

One tier, three ways to get it: monthly, annually or by locking up CRO. Prices and caps come from the official pages.

Crypto.com card tiers for the EEA

Basic

Midnight Blue

0%Cashback
Price
  • free
Cap / month
no cap
Main benefits
  • Virtual card free, physical card €4.99
  • Fee-free ATM withdrawals up to €200/month
Break-even
Who it suits
Only for trying the ecosystem or occasional payments. It pays no cashback.
Calculate with this tier
Last verified: Source: Crypto.com – Level Up (EEA)

Plus

Ruby Steel

2%Cashback
Price
  • €3.99/month
  • €39.90/year (€3.32/month)
  • €450.00 in CRO, 12 months
Cap / month
€21.50 · ≈ spend of €1,075.00/month
Main benefits
  • Zero-fee crypto trading up to $20,000/month
  • 3 months of Spotify rebate (up to $13.99/month)
  • Fee-free ATM withdrawals up to €400/month
Break-even
  • Monthly: from €200/month
  • Annual: from €170/month
  • CRO lockup: from €60/month
Who it suits
Everyday spend from ~€170 (annual plan) or ~€200 (monthly). Above ~€1,075/month the cashback is capped.
Calculate with this tier
Last verified: Source: Crypto.com – Level Up Plus (EEA)

Pro

Jade Green / Royal Indigo

3%Cashback
Price
  • €24.99/month
  • €249.90/year (€20.83/month)
  • €4,500.00 in CRO, 12 months, 4.0% p.a. yield
Cap / month
€64.50 · ≈ spend of €2,150.00/month
Main benefits
  • Zero-fee crypto trading up to $50,000/month
  • 6 months of Spotify and Netflix rebates (up to $13.99/month each)
  • 4 airport lounge visits per year (annual plan)
  • Fee-free ATM withdrawals up to €800/month
Break-even
  • Monthly: from €835/month
  • Annual: from €695/month
  • CRO lockup: from €375/month
Who it suits
Break-even from ~€700 (annual) to ~€830 (monthly), but it only beats Plus from ~€1,300 of monthly spend. Below that, Plus wins.
Calculate with this tier
Last verified: Source: Crypto.com – Level Up Pro (EEA)

Private

Icy White / Rose Gold

4%Cashback
Price
  • €45,000.00 in CRO, 12 months, 8.5% p.a. yield
Cap / month
no cap
Main benefits
  • Permanent Spotify and Netflix rebates
  • Unlimited lounge access + 1 guest
  • Unlimited zero-fee trading
Break-even
  • CRO lockup: from €2,815/month
Who it suits
Only for those who would hold €45,000 in CRO anyway. The CRO price risk outweighs the cashback.

Private (Obsidian)

Obsidian

5%Cashback
Price
  • €450,000.00 in CRO, 12 months, 9.5% p.a. yield
Cap / month
no cap
Main benefits
  • Permanent Spotify and Netflix rebates
  • Unlimited lounge access + 1 guest
Break-even
  • CRO lockup: never
Who it suits
Listed for completeness. At €450,000 in CRO this is an investment decision, not a cashback card.

Overview only, not in the calculator.

Last verified: Source: Crypto.com – Level Up Private (EEA)
Break-even

From what monthly spend does a tier pay off?

Break-even is the spend at which cashback covers the price of the tier. Below it the card loses you money, above it you gain — up to the cap.

Tier / cardMonthlyAnnualCRO lockup
Plus · Ruby Steel€200 / month€170 / month€60 / month
Pro · Jade Green / Royal Indigo€835 / month€695 / month€375 / month
Private · Icy White / Rose Gold€2,815 / month

Pro returns more than Plus (both annual) from roughly €1,305 a month.

Excluding rebates and one-off fees. For CRO lockups we deduct a 3% p.a. foregone return; the staking yield on locked CRO is not counted (it is paid in CRO and carries price risk).

Last verified:
Referral

Referral bonus: what you have to do

The trading reward depends on your country of residence (Country Tier 1–4). The Level Up bonus is the same everywhere.

Trading activity reward by volume

Trading volume within 30 daysTier 1Tier 2Tier 3Tier 4
$100$5$5$2$1
$500$15$10$7$5
$1,000$25$20$15$10
$5,000$75$65$50$50
Maximum per referral: $75$65$50$50

Country Tier by country of residence

  • Tier 1: Switzerland, United States, Germany, Austria, Belgium, Luxembourg, Hong Kong, Finland, Cyprus
  • Tier 2: United Arab Emirates, Canada, France, Norway, Netherlands, Taiwan, Sweden, Australia, Ireland, Slovenia, Slovakia, Croatia, Latvia, Portugal
  • Tier 3: Spain, Italy, Denmark, Japan, Thailand, Hungary, Iceland, Greece, New Zealand, Serbia
  • Tier 4: all other countries

Germany, Austria, Switzerland, Belgium, Luxembourg, Finland and Cyprus are Tier 1; Ireland, the Netherlands, France, Portugal, Slovakia and others Tier 2; Spain, Italy, Denmark, Greece, Hungary Tier 3; all other countries Tier 4.

Last verified: Source: Help Center – App Referral Programme

Level Up bonus

+ $25 for each side

Stake CRO to reserve a metal card or subscribe to the annual Level Up Pro plan. The subscription bonus is credited after 30 days, the staking bonus within 24 hours.

Programme limits: 100 successful referrals, $10,000 in total per user.

Last verified: Source: Help Center – App Referral Programme

Fees that are not in the ad

  • Physical card issuance: Midnight €4.99; Ruby €24.99 with monthly Plus under 6 months (free with annual Plus or a lockup).
  • Foreign currency payments from 1 Oct 2026: within the EU/UK 0.2%; outside the EU/UK 2% above a monthly fee-free allowance (Ruby €400, Jade/Indigo €800). Until 30 Sep 2026 no fee for Ruby and above.
  • ATM withdrawals: 2% above the tier's monthly fee-free limit.
  • Card top-up: 1%. Inactivity: €5 a month after 12 months without a transaction (€6 from 1 Oct 2026).

Legal context

The card is a prepaid Visa card denominated in EUR. Cashback is paid in the CRO token, whose value fluctuates. Issuer for the EEA: Foris DAX MT Limited (Malta).

This is not investment advice. Card terms can change and crypto rewards change in value. Verify the provider's current terms before deciding.

Does it fit?

Check the numbers in the calculator first. If they make sense, continue to Crypto.com.

Calculate my cashbackTry the Crypto.com card (opens on crypto.com)

Referral link — if the conditions are met, both of us can receive a bonus.