Offer: $100 welcome bonus after spending $1,500 in 90 days for the lowest tier of the card. The bonus is rewarded in CRO. There are 5 different tiers to this credit card.
Rewards:
| Level Up Tier: | Basic | Plus | Pro | Private | Private |
| Card Color: | Midnight | Ruby | Jade or Indigo | Icy or Rose | Obsidian |
| Level Up Program Tier Access Fee: | Free | $4.99/ month or $49.90 yearly (16% off) | $29.99/ month or $299.90 yearly (16% off) | $50,000 12-month CRO staking | $500,000 12-month CRO staking |
| Spending Rewards: | 1.5 % | 3.5% | 4.5% | 5% | 6% |
| Welcome Bonus | $100 (Spend $1,500 in the first 90 days of account opening) | $200 (Spend $2,000 in the first 90 days of account opening) | $300 (Spend $5,000 in the first 90 days of account opening) | $300 (Spend $5,000 in the first 90 days of account opening) | $300 (Spend $5,000 in the first 90 days of account opening) |
You also receive free access to the Level up Program with the Basic Tier, however it’s not really clear what benefits the Basic tier gives you, if any. The Plus Tier give you zero trading fees in the Crypto.com App up to $20k/month. You can see all the tiers below and what the benefits are.
Offer Quality: The promotional signup bonus for the lowest tier is poor. You can find many credit cards that will give you $200 cash back while only needing to spend $500 within the same time frame (90 days/3 months). Chase Freedom Unlimited and Wells Fargo Active Cash are two examples and there are many more.
The rewards are also given in $CRO, you do not have any other choices of what crypto your credit card spending rewards earn. The Gemini Crypto Rewards Master Card Credit Card allows you choose over 50 different cryptocurrencies for example, so the fact that you can only earn CRO is extremely poor.
What is CRO? Cronos (CRO) is the native cryptocurrency of the Crypto.com ecosystem and the Cronos blockchain. CRO token is down about -90% from its all-time high in Nov 2021, at the time of this article. The overall spending rewards in Plus (3.5%) through Private (5%-6%) are very lucrative, but the reality is you are rewarded in CRO, and it requires an initial investment in CRO or an additional monthly/yearly fee for Plus and Pro. I do think there is opportunity if you have a lot of credit card spend to pay the yearly amount in one payment ($50 or $299), so that it is cheaper, but I would encourage you to continually sell your CRO into something more stable. For example, if you spend $10,000 and purchase the Pro Tier, you will earn $450 in rewards ($10,000 x .045). Keep in mind the Pro Tier costs $299, but you will also receive $300 for spending $5,000 in the first 90 days if you are able to do so. That would net you $451 in CRO (after paying the $299), which again can have large swings up or down on any given day. Ultimately that is a lot of work for a few hundred dollars and there are many credit cards out there that will give you far more in rewards for similar spending, with less work.
If you are a user of Crypto.com or want to use this exchange as your primary centralized exchange for buying/trading crypto, this card does give you advantages such zero trading fees (up to certain dollar amounts depending on your tier). In short, this credit card is tailored to provide benefits for Crypto.com, and awards rewards in CRO. The Cronos blockchain was developed and is managed by Crypto.com. The Crypto.com website indicates that zero trading fees are for the Crypto.com App, so it’s not clear if desktop/website users also have zero trading fees, or if they want to encourage people only to trade on their phones for zero trading fees.
As of early 2026, the market for blockchains specifically cheap transactions/cheap block space is very saturated and thus the overwhelming majority of native blockchain tokens have performed extremely poor with many losing the majority of their value -75+ to -90+%. Unless there is increased demand in the future for more block space on different blockchains, it is extremely speculative to be holding CRO and other related tokens. Also bear in mind that the supply of CRO is inflationary. The fixed maximum supply of CRO is 100 billion tokens, so the inflation does decrease as time goes own.
Overall, there are way better Crypto related credit cards that exist, giving you better promotional rewards and the ability to choose far more cryptocurrencies for your rewards like the Gemini Master Card. There is little incentive to get this card as you will have a hard inquiry on your credit report and the rewards in CRO are likely to fall further in price. Bear in mind past performance is not indicative of future results, both up and down.
Specifically staking CRO to earn a Level Up Program Tier Access like Pro ($5,000 of CRO for 12-months) or anything higher is highly advised against. Simply because the reward and benefits for doing so are greatly overshadowed by the potential fall in price of CRO. For example, if you lock up $5,000 in CRO for 12-months, and the price of CRO falls 10% during that time period, you now will only have $4500 in CRO at the end of the 12-month period, unless you can squeeze out more than $500 in rewards from this card to offset the potential loss in the value of CRO, and that is just to break even. The opposite may happen as well if the price of CRO rises, which sums up this financial product greatly in that it is very high risk with not much potential for high reward.
The Cronos blockchain is EVM (Ethereum Virtual Machine) compatible built on Cosmos SDK. Keep in mind there in nothing remarkable about the Cronos blockchain from a technical standpoint and it scores low in trading volume, transactions, and daily active users, and none of these metrics appear to be growing over the long term. In fact, many of them topped out years ago.
The chart below shows historical DEX (decentralized exchange) trading volume on Cronos blockchain
If you are interested in learning more about Cronos blockchain, I would highly recommend doing more research, checking out tools like Dexscreener and DeFi Llama . Cronos is ranked #17 on DefiLlama (at the time of this article), well below many of the heavy hitting blockchains and more common household names such as Ethereum, BSC, and Base, which have performed far better.
In the end, this is a very interesting product, mainly because it’s solely tied to Crypto.com and one specific blockchain, which is also the downside for this product because the CRO token is inflationary, has extremely poor price performance the past few years and is lagging in terms of adoption compared to other blockchains. The Cronos blockchain is considered low or below average for trading volume (Solana/BSC/Ethereum/Base is where the majority of trading volume is).