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Crypto.com Ruby Steel
Crypto.com

Crypto.com Ruby Steel

A $50-a-year crypto card from Crypto.com.

Cash back only
Annual fee
$50/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Good to Excellent (700+)
Network
Visa
Foreign transaction fee
None
Apply on Crypto.com site5.3/10Our 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 will not use enough of its perks and credits to cover the $50 annual fee.

Earning rates

3.5% back in crypto on every purchase
Rewards are paid in CRO by default, or you can switch to Bitcoin (the Bitcoin option is capped at $500 in purchases per month)
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.

Features & benefits

Requires the Plus Level Up tier: about $4.99 per month ($49.90 per year), or lock up $500 of CRO for 12 months
The $50 annual fee shown reflects the required Plus subscription, not a separate card fee
No foreign transaction fees

Alternatives to the Crypto.com Ruby Steel

Pairs well with

The Crypto.com Ruby Steel earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Crypto.com Ruby Steel lands.

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