Crypto.com

Crypto.com Midnight Blue

A no-annual-fee crypto card from Crypto.com.

Cash back only

Annual fee

No annual fee

Welcome bonus

None

Min spend

N/A

Recommended credit

Good to Excellent (700+)

Network

Visa

Foreign transaction fee

None

Apply on Crypto.com site 5.6/10Our rating · review ›

Rates, fees, and full terms are set by Crypto.com and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →

Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who want a simple, flat rate on every purchase with nothing to track.

⚠ Think twice if

you would rather chase elevated bonus categories than earn one flat rate.

Earning rates

1.5% back in crypto on every purchase, with no annual fee

Rewards are paid in CRO by default, or you can switch to Bitcoin (the Bitcoin option is capped at $250 in purchases per month)

Higher Crypto.com tiers earn 3.5% to 6%, but each requires a paid subscription or locking up CRO for 12 months

Rewards are paid in cryptocurrency, so their dollar value moves with the market

Best ways to earn & redeem

Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.