The Crypto.com Visa Card offers a tiered system‚ providing increasing rewards and benefits based on how much CRO (Crypto.com’s native token) you stake. Understanding these tiers is crucial to maximizing your card’s value. Here’s a detailed look at each level‚ current as of late 2023/early 2024. Remember benefits can change‚ so always verify on Crypto.com’s official website.
Tier Breakdown & Requirements
There are five tiers: Midnight‚ Ruby Gold‚ Ruby Steel‚ Frost‚ and Obsidian. Each requires staking a specific amount of CRO for a 180-day period. Staking locks your CRO‚ meaning you can’t trade or sell it during that time. Unstaking before 180 days incurs penalties.
Midnight (No Staking)
- CRO Staked: 0
- Cashback Rewards: 1% on all purchases
- Spotify: No benefit
- Crypto Rewards: No benefit
- Airport Lounge Access: No
- Reimbursement: No reimbursement for ATM fees
- Card Issue Fee: $5
Ruby Gold (Staking 30 CRO)
- CRO Staked: 30 CRO (approximately $30 ─ price fluctuates)
- Cashback Rewards: 2% on all purchases
- Spotify: $2.99 Spotify reimbursement
- Crypto Rewards: No benefit
- Airport Lounge Access: No
- Reimbursement: No reimbursement for ATM fees
- Card Issue Fee: $0
Ruby Steel (Staking 300 CRO)
- CRO Staked: 300 CRO (approximately $300)
- Cashback Rewards: 3% on all purchases
- Spotify: $2.99 Spotify reimbursement
- Crypto Rewards: 1% back in CRO for purchases over $100
- Airport Lounge Access: No
- Reimbursement: $0 ATM fees
- Card Issue Fee: $0
Frost (Staking 3‚000 CRO)
- CRO Staked: 3‚000 CRO (approximately $3‚000)
- Cashback Rewards: 4% on all purchases
- Spotify: $2.99 Spotify reimbursement
- Crypto Rewards: 2% back in CRO for purchases over $100
- Airport Lounge Access: 2x Airport Lounge Access per year (Priority Pass)
- Reimbursement: $0 ATM fees
- Card Issue Fee: $0
Obsidian (Staking 30‚000 CRO)
- CRO Staked: 30‚000 CRO (approximately $30‚000)
- Cashback Rewards: 5% on all purchases
- Spotify: $2.99 Spotify reimbursement
- Crypto Rewards: 3% back in CRO for purchases over $100
- Airport Lounge Access: Unlimited Airport Lounge Access (Priority Pass)
- Reimbursement: $0 ATM fees
- Card Issue Fee: $0
Choosing the Right Tier
The best tier depends on your spending habits and how much CRO you’re willing to stake. If you spend little‚ Ruby Gold might suffice. Frequent spenders and those comfortable staking larger amounts will benefit from Frost or Obsidian. Consider the value of the airport lounge access if you travel often.
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