Overview of Crypto.com Card
Crypto com card - The Crypto.com Card is a Visa debit card that allows users to spend their cryptocurrency holdings at millions of merchants worldwide. The card is available in a variety of tiers, each with its own set of benefits and rewards. The top-tier card, the Obsidian Card, offers up to 8% back on all purchases, no annual fees, and access to exclusive perks such as airport lounge access and concierge services.
The Crypto.com Card is a great way to spend your cryptocurrency and earn rewards. It's easy to use and accepted at millions of merchants worldwide. Plus, the card's rewards program can help you save money on your everyday purchases.
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Benefits of the Crypto.com Card
- Spend your cryptocurrency at millions of merchants worldwide.
- Earn rewards on all your purchases.
- No annual fees.
- Access to exclusive perks such as airport lounge access and concierge services.
Benefits and Rewards
The Crypto.com Card offers a range of rewards and benefits to cardholders, incentivizing the use of cryptocurrency for everyday purchases.
Cardholders can enjoy cashback rewards, discounts on purchases, and exclusive access to perks and privileges.
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Cashback Rewards
- Earn up to 8% cashback on eligible purchases, including groceries, dining, and travel.
- Cashback is paid in the cryptocurrency of your choice, including Bitcoin, Ethereum, or CRO.
Discounts and Perks
- Receive exclusive discounts on partner brands, such as Airbnb, Spotify, and Expedia.
- Access perks such as airport lounge access, free Netflix subscriptions, and waived ATM fees.
Additional Benefits
- No annual fees or foreign transaction fees.
- Free ATM withdrawals up to a certain limit.
- Exclusive access to the Crypto.com App, which allows you to track your spending, manage your rewards, and trade cryptocurrencies.
Card Tiers and Fees
Crypto.com offers several card tiers, each with its own set of fees and benefits. The tier you qualify for is based on the amount of CRO you stake. Here's a breakdown of the different tiers and their associated fees:
Midnight Blue
- No staking required
- Issuance fee: $0
- Annual fee: $0
- Card replacement fee: $50
- Interbank exchange rate markup: 2.99%
- ATM withdrawal fee: $2.50 (up to $200 per month)
Ruby Steel
- Stake 50 CRO for 6 months
- Issuance fee: $0
- Annual fee: $0
- Card replacement fee: $50
- Interbank exchange rate markup: 2.99%
- ATM withdrawal fee: $0 (up to $400 per month)
- Spotify rebate: Up to $12.99 per month
Royal Indigo/Jade Green
- Stake 500 CRO for 6 months
- Issuance fee: $50
- Annual fee: $0
- Card replacement fee: $50
- Interbank exchange rate markup: 2.99%
- ATM withdrawal fee: $0 (up to $800 per month)
- Netflix rebate: Up to $13.99 per month
- Amazon Prime rebate: Up to $12.99 per month
Frosted Rose Gold/Icy White, Crypto com card
- Stake 5,000 CRO for 6 months
- Issuance fee: $50
- Annual fee: $0
- Card replacement fee: $50
- Interbank exchange rate markup: 2.99%
- ATM withdrawal fee: $0 (up to $1,000 per month)
- LoungeKey airport lounge access
- Private jet service
- Exclusive concierge service
Obsidian
- Stake 50,000 CRO for 6 months
- Issuance fee: $500
- Annual fee: $0
- Card replacement fee: $50
- Interbank exchange rate markup: 2.99%
- ATM withdrawal fee: $0 (unlimited)
- All the benefits of the Frosted Rose Gold/Icy White tier, plus:
- 2% cashback on all purchases
- Private jet service with reduced rates
- Exclusive concierge service with 24/7 support
Eligibility and Application Process: Crypto Com Card
To be eligible for a Crypto.com Card, you must:
- Be at least 18 years of age.
- Have a valid government-issued ID.
- Reside in a supported country.
The application process is simple and straightforward:
- Download the Crypto.com App.
- Create an account and complete the KYC process.
- Select the card you want to apply for.
- Provide your personal and financial information.
- Submit your application.
Once your application is approved, your card will be mailed to you within 7-10 business days.
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Security Features
Crypto.com has implemented several security measures to protect user funds and prevent unauthorized access to accounts. These include: - Two-factor authentication (2FA): 2FA requires users to provide two forms of authentication when logging in to their account or making transactions. This helps to prevent unauthorized access even if a user's password is compromised. - Address whitelisting: Users can whitelist specific addresses to which they can send crypto. This helps to prevent funds from being sent to unauthorized addresses. - Cold storage: The majority of Crypto.com's crypto assets are stored in cold storage, which is not connected to the internet. This helps to protect them from online attacks. - FDIC insurance: Crypto.com's USD balances are FDIC insured up to $250,000. This provides users with peace of mind knowing that their funds are protected in the event of a bank failure.Fraud Protection and Insurance Policies
Crypto.com also offers a number of fraud protection and insurance policies to protect users from financial losses. These include: - Zero-liability policy: Crypto.com's zero-liability policy protects users from unauthorized transactions. This means that users will not be held liable for any losses incurred as a result of unauthorized access to their account. - Purchase protection: Crypto.com's purchase protection policy protects users from fraudulent purchases made with their Crypto.com card. This policy covers purchases made both online and in-store. - Extended warranty: Crypto.com's extended warranty policy extends the manufacturer's warranty on eligible purchases made with the Crypto.com card. This policy provides users with peace of mind knowing that their purchases are protected in the event of a defect.Supported Cryptocurrencies and Fiat Currencies
The Crypto.com Card supports a wide range of cryptocurrencies and fiat currencies, allowing you to easily spend, convert, and manage your digital assets.
The supported cryptocurrencies include Bitcoin (BTC), Ethereum (ETH), Litecoin (LTC), Ripple (XRP), and many more. The supported fiat currencies include US Dollar (USD), Euro (EUR), British Pound (GBP), and Singapore Dollar (SGD).
Converting Between Currencies
You can easily convert between different cryptocurrencies and fiat currencies within the Crypto.com App. The conversion rates are competitive and updated in real-time.
- To convert between cryptocurrencies, simply select the "Convert" option in the Crypto.com App and choose the currencies you want to convert.
- To convert between fiat currencies, select the "Buy/Sell" option in the Crypto.com App and choose the currencies you want to convert.
Transaction Fees and Limits
Using the Crypto.com Card involves transaction fees that vary depending on the type of transaction and the card tier. Understanding these fees is crucial for effective budgeting and managing expenses.
In addition to transaction fees, there are also limits on spending, withdrawals, and deposits. These limits vary based on the card tier and help ensure responsible spending and prevent excessive financial exposure.
Transaction Fees
- Card Purchases: Transactions made using the Crypto.com Card at retail stores or online incur a fee of 0.20% to 2.99%, depending on the card tier.
- ATM Withdrawals: Withdrawing cash from ATMs using the Crypto.com Card incurs a fee of $2.00 to $4.00, plus any additional fees charged by the ATM operator.
- International Transactions: Transactions made in a currency other than the card's base currency are subject to a 0.20% to 1.50% currency conversion fee.
Spending, Withdrawal, and Deposit Limits
- Daily Spending Limit: The daily spending limit refers to the maximum amount that can be spent on the card each day. This limit varies by card tier, ranging from $500 to $10,000.
- Monthly Spending Limit: The monthly spending limit represents the maximum amount that can be spent on the card each month. This limit is typically higher than the daily limit and varies by card tier, ranging from $1,000 to $50,000.
- ATM Withdrawal Limit: The ATM withdrawal limit determines the maximum amount that can be withdrawn from ATMs using the Crypto.com Card. This limit varies by card tier, ranging from $200 to $2,000 per day.
- Deposit Limit: The deposit limit specifies the maximum amount that can be deposited into the Crypto.com Card account. This limit varies by card tier and payment method, typically ranging from $1,000 to $100,000 per day.
Customer Support
Crypto.com provides multiple channels for customer support to assist Cardholders with inquiries and issues.
Cardholders can reach customer support through the following channels:
- Live Chat: Available 24/7 through the Crypto.com app or website.
- Email: Contact support@crypto.com for general inquiries or card-related issues.
- Phone: Dedicated phone lines are available for specific regions. Contact information can be found on the Crypto.com website.
- Social Media: Crypto.com has dedicated support teams on social media platforms such as Twitter and Telegram.
Response times vary depending on the support channel used and the complexity of the inquiry. Live chat typically provides the quickest response, while email and phone support may take longer.