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Product Overview

Crypto.com – VISA card

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Crypto.com provides a convenient way to own a crypto as well as fiat currency VISA Card in Germany. They offer the option to choose from over 40+ cryptocurrencies and stablecoins. Cryptocurrency is converted into the respective market’s currency and loaded into your Crypto.com VISA Card for use in purchase and ATM withdrawals. You can also deposit your fiat currency, e.g. Euro, onto your VISA card directly. They offer 100% cashback e.g. on Spotify, Netflix, Amazon Prime and more. Their biggest selling point is that you can receive at least 1% and up to 8% cash back on all of your spending (depending on your card tier). No annual fees, just an easy-to-use credit card. 

  • Cashback of at least 1% and up to 8% on your spending
  • 100% rebates e.g. on Spotify, Netflix, Amazon Prime, and free Airport Lounge access
  • Earn up to 12% interest per year 
  • No monthly or yearly fee
  • Premium metal VISA card in various colors
  • Purchase and sell over 250+ cryptocurrencies

Make sure to provide this code to get $25 starting credit when signing up for a Ruby card or above: 3sugshsmrq

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How do you sign up and set up an account?

The registration and account opening process can be done online, exclusively through the Crypto.com app (or let them send you a link when signing up through your browser). Sign up for a Crypto.com VISA Card by downloading their app; which can be found both on Google Play and Apple App Store.  Next, complete their KYC verification, which entails providing requested information about documents needed for registration and the registration process. 

Make sure to provide this code to get $25 starting credit: 3sugshsmrq

Note: Crypto.com App is only compatible with mobile devices.

Issuance of Virtual Card: One is eligible for a virtual card once review of address documents is complete, verified, and accepted. You will be able to use your Crypto.com card immediately, but you will have to wait for your physical card to be shipped to you. 

Luckily, there is a good workaround if you want to start using the Crypto.com card in stores in order to receive your cash back: Simply download the Curve app and add the Crypto.com VISA card to your wallet. Curve is compatible with Apple Pay and Google Pay, so you can start using your Crypto.com card in stores immediately and you even receive 1% cash back through Curve on top of your Crypto.com cash back

Note: After they complete review of the address documents, users in EU/UK and US will receive a virtual card in the App. 

Virtual cards can be used instantly for online spending after top-up via the Crypto.com App.

Acquisition of Physical Card: After downloading the app and completing their KYC verification, select “Card Page” located at the bottom right corner of the app, choose the card tier of your choice and stake the respective CRO equivalent for your card of choice. Be careful to select the correct card tier, because it is not easy to change afterwards. Steps required:

  • Accept their terms and conditions.
  • Your App wallet should have enough CRO, and you need to stake them for a 180 days lock-up period.  
  • Submit & confirm your delivery address.

Important: Crypto.com App users have to own CRO tokens and stake them for 180 days. Staking means that you deposit those CRO tokens in a locked up wallet in the CRO app and cannot sell them during these 180 days. However, you still earn weekly interest on them. 

If you are interested in how to buy cryptocurrencies in Germany, read more about this topic here. For any crypto tax implications in Germany, read more here.

Benefits

  • Cashback of at least 1% and up to 8% on your spending (varies with card tier)
  • 100% rebates e.g. on Spotify, Netflix, Amazon Prime, and free Airport Lounge access
  • Earn up to 12% interest per year on Crypto earn for different crypto currency staking
  • CRO token holders with metal cards are charged NO monthly fee, NO annual fee, NO shipping fee, NO setup fee
  • Premium metal VISA card in various colors
  • Use fiat or cryptocurrencies to top-up 
  • Contactless payment possible (with regulations for authentication)
  • Purchase and sell over 250+ cryptocurrencies with 20+ fiat currencies using your credit/debit card or bank transfers.

Make sure to provide this code to get $25 starting credit: 3sugshsmrq

 

Where can I use my Crypto.com VISA Card?

Your Crypto.com VISA Card can be used just like any other VISA card to pay in over 40 million Points of Sale worldwide and a wide number of retail shops. 

You can top up your Crypto.com VISA debit card either by bank transfer from your regular bank account or via credit card (for free).

Note: Crypto.com Card is a VISA debit card. Some traders may need a credit card transaction to access and use their services. Some subscription-based services may also require you to use a credit card for application. Crypto.com VISA Card does not allow use of their cards for: gambling services, issuing cash advances, and making payments to financial institutions.

Additional feature: Crypto.com VISA Card also facilitates Buying, Selling, and showcasing of NFTs.

Withdraw cash using your Crypto.com VISA Card; from nearly any ATM worldwide that has got the VISA or VISA Plus logo.

Note: There are no administrative charges for withdrawal of cash if you keep within the cash limit of the card. If exceeded, then the fees may differ depending on your card tier. Card limits and fees are found in the Crypto.com app under settings, in the Fees and Limits segment (Midnight Blue has the lowest limits and Obsidian has the highest limits), so always be sure that you’re checking the right card tier.

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Type of Cards & Comparisons

 

Crypto.com VISA Card offers 5 different types of cards:

  1. Obsidian (most lucrative with highest CRO stake & rewards)
  2. Frosted Rose Gold & Icy White
  3. Royal Indigo & Jade Green
  4. Ruby Steel
  5. Midnight Blue (lowest CRO stake & rewards)

 

CRO Staking Requirements – Details 

 

  • Obsidian€350,000 EUR (equivalent to 5,000,000 CRO Tokens) (offers 8% cash back on your card spend)
  • Frosted Rose Gold & Icy White€35,000 EUR (equivalent to 500,000 CRO Tokens) (offers 5% cash back on your card spend)
  • Royal Indigo & Jade Green€3,500 EUR (equivalent to 50,000 CRO Tokens) (offers 3% cash back on your card spend)
  • Ruby Steel€350 EUR (equivalent to 5000 CRO Tokens) (offers 2% cash back on your card spend)
  • Midnight Blue€0 EUR (equivalent to 0 CRO Tokens) (offers 1% cash back on your card spend)

Staking means that you deposit those CRO tokens in a locked up wallet in the CRO app and cannot sell them during these 180 days. However, you still earn weekly interest on them. 

 

CRO Rewards and Benefits – Details 

 

  • Obsidian – 8 % cashback + free Spotify + free Netflix + free Amazon Prime + free Airport lounge access for yourself & 1 guest + 10% cashback on Expedia bookings + 10% cashback on AirBnB bookings + other exclusive services
  • Frosted Rose Gold & Icy White – 5 % cashback + free Spotify + free Netflix + free Amazon Prime + free Airport lounge access for yourself & 1 guest + 10% cashback on Expedia bookings + other exclusive services
  • Royal Indigo & Jade Green – 3 % cashback + free Spotify + free Netflix + free Airport lounge access
  • Ruby Steel – 2 % cashback + free Spotify
  • Midnight Blue – 1 % cashback

Sign up here

The cash back is paid out in CRO tokens. You can either keep saving the CRO tokens or sell them for your fiat currency immediately. 

Tip: You can add an additional 1% cash back on any card by combining the Crypto.com card with the Curve app. 

 

ATM Withdrawals and Foreign Currencies

 

Free ATM withdrawals per month:

  • Obsidian – €1,000 EUR
  • Frosted Rose Gold & Icy White – €800 EUR
  • Royal Indigo & Jade Green – €800 EUR
  • Ruby Steel – €400 EUR
  • Midnight Blue – €200 EUR

 

Free Currency Exchange Transactions per month:

Card limits and fees are found in the Crypto.com app under settings, in the Fees and Limits segment (Midnight Blue has the lowest limits and Obsidian has the highest limits), so always be sure that you’re checking the right card tier.

  • Obsidian – Unlimited
  • Frosted Rose Gold & Icy White – €15,000 EUR
  • Royal Indigo & Jade Green – €10,000 EUR
  • Ruby Steel – €4,000 EUR
  • Midnight Blue – €2,000 EUR

 

Prerequisites in order to register for the credit card/verification

Your full legal name

  • Picture of government-issued ID
  • Selfie

Verification documents under your name for proof of residential address, one of the following is accepted (should be provided within 3 months) 

  • Utility bill
  • Correspondence issued by a government department or agency
  • Bank statement/letters, financial institution letter

If your application is still pending or its status hasn’t changed within 3 business days, kindly contact Support via the in-app chat. They may ask you to provide additional information to assist in resolving the issue.

 

Make sure to provide this code to get $25 starting credit when signing up for a Ruby card or above: 3sugshsmrq