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按费用、KYC 要求、隐私评分与功能对比加密货币信用卡。

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2026 Crypto Cards. 保留所有权利。

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  5. Crypto.com Card
Crypto.com Card
Crypto.com Card
完整 KYC
虚拟卡 Visa
5.7
综合
获取此卡
Crypto.com Card logo

Crypto.com Card

发行方 Crypto.com

获取此卡

Crypto.com Card 仍是行业标杆,分级奖励最高 8%,并提供 Netflix/Spotify 费用返还与机场贵宾室等高端权益。它最适合愿意质押 CRO 冲击高等级的 CRO 信仰者,但奖励以波动较大的 CRO 代币发放。

优点

  • +高等级消费返现最高 8%
  • +高等级可返还 Netflix、Spotify 与亚马逊 Prime 费用
  • +通过 Priority Pass 使用机场贵宾室
  • +所有等级均免年费
  • +品牌知名度高,平台成熟

缺点

  • -返现以 CRO 代币发放,面临价格波动风险
  • -最佳奖励需质押大量 CRO(锁仓 180 天)
  • -低等级每月返现上限严格(25-50 美元)
  • -加密货币兑换点差 0.5%-1.5%
  • -一旦解除质押,等级权益立即失效
5.7/10
综合一般
5.6/10
社区评分基于 204 个信息来源
Lv 4
KYC 等级完整 KYC

目录

卡片概览

奖励
返现
5%
返现币种
CRO
质押奖励
✗
质押年化收益
—
新用户奖励
$50
推荐奖励
$25
费用
月费
免费
开卡费
$50
ATM 取现费
2%
外汇兑换费
免费
充值费
免费
交易拒付费
未披露
限额
每日消费
$25,000
每月消费
$100,000
ATM 取现
$2,000
卡片信息
卡片类型
实体卡, 虚拟卡
卡组织
Visa
Apple Pay
✓
Google Pay
✓
权益
流媒体报销
Spotify · 每月最高 US$13.99Netflix · 每月最高 US$13.99Amazon Prime · 每月最高 US$14.99
机场贵宾室
LoungeKey · 不限次数
旅行折扣
Expedia · 10% 折扣Airbnb · 10% 折扣
奖励
返现
5%
返现币种
CRO
质押奖励
✗
质押年化收益
—
新用户奖励
$50
推荐奖励
$25
费用
月费
免费
开卡费
$50
ATM 取现费
2%
外汇兑换费
免费
充值费
免费
交易拒付费
未披露
限额
每日消费
$25,000
每月消费
$100,000
ATM 取现
$2,000
卡片信息
卡片类型
实体卡, 虚拟卡
卡组织
Visa
Apple Pay
✓
Google Pay
✓
权益
流媒体报销
Spotify · 每月最高 US$13.99Netflix · 每月最高 US$13.99Amazon Prime · 每月最高 US$14.99
机场贵宾室
LoungeKey · 不限次数
旅行折扣
Expedia · 10% 折扣Airbnb · 10% 折扣

KYC 要求

Level: 完整 KYC
邮箱验证
需要
手机验证
需要
身份证件
需要
地址证明
需要
自拍验证
需要

社区评分

5.6/10
来源于
@Adriana“I have a Crypto.com Visa card and recently disputed a €52 charge from Batmaid, a cleaning company whose services I had stopped using and whose contract was terminated. I had already paid the outstanding €52 in March and provided proof. Months later, another €52 was taken from my card without my approval. I contacted the merchant for a refund but could not obtain a proper response. Crypto.com support was extremely frustrating. I spent days explaining the same situation to different agents and receiving repetitive, generic replies. It took approximately three days just to get an answer to a ba”@bliblablub0815“Day 62. My side of https://crypto.com/us money frozen, no payout, no working Visa card. Their side: template replies to 11 requests and 3 complaints. I do not recommend it. Be careful.”@Иван Ильин“My funds($4000) are stuck on the deposit address after a transaction made by a transfer from a smart contract (Usdc near). The funds are on the blochchain, not moving for 7 days already. The support team does not provide any ETA and explanation, no roadmap. I’ve been a long time customer of crypto.com but this situation really drives me mad. I’ve already found other workarounds like MEXC for usdc->EUR conversions. For the card program i switched to ether.fi. And it’s much cheaper cause crypto.com charges fees and offers users suboptimal exchange rates (so even if you buy a subscription you pa”@samizameer“Very safe and secure They even gave me a debit card:)”@Elijah Collins“Such a scummy platform with hidden fees/spread even with stable coins. Very good credit card offered here in terms of cashback but so much friction interacting with the platform and constant nickle and diming at every turn”@Slavomir Revak“Unable to Fund the Crypto CARD . Support Quality is like from a uncontrolled Chatbot, even they claim they are live human behind it. you wait for the response for hours if not days and when you dont respond on timer " they close your chat and you can start all over again :)”@zkfinofficial“Every major crypto card wants your passport. https://zk.finance/ doesn't. Revolut, Binance Card, https://crypto.com/us — full KYC, government ID, selfies, permanent identity storage. Your spending is logged. Your identity is on file. https://zk.finance/ takes the opposite approach: Sign in with Ethereum — one wallet signature, nothing else. Visa acceptance worldwide, virtual card in 60 seconds ($99) or Metal ($499), Apple Pay + Google Pay, fund in USDC/USDT/DAI/ETH/BNB across any chain. Same card. Zero identity exposure. Stage 10/40 presale at $0.0236 · Listing target $0.45 · ~19.1× from cu”@Mandi Hastings“I rented a car back in September 2026( just for later reference) I used my crypto.com prepaid visa. As everyone who has ever rented a car you pay a deposit and get it back when returned in the same state it left in. First I paid $962.95 to enterprise and I have the receipt, but crypto.com charged me $1154...so they screwed me on gas to get to my daughter's wedding. They kept blaming the merchant. Then when it came to getting my deposit back of $352.50...which only takes 5-7 business days through Enterprise and I called them to confirm that time frame. So when I called crypto.com they said that”@Danilofranzo“Fee They charge fee of 6 pounds if you have money and do not use the card. Be careful scam”@Pierre LE BOULANGER“Je ne peux pas mettre moins, pourtant cela mérite... Je souhaite fermer mon compte chez eux, alors j'essaye de transferer mon argent avant. Concernant l'argent dispo sur mon compte, aucuns problème...par contre j'ai 200€ sur leur carte, qui est bloquée, sans aucune possibilité de déblocage. L'application bug, malgré réinstallation, réinitialisation du mot de passe, la carte reste bloquée, sans pouvoir récuperer l'argent qui est dessus. Du coup je ne peux pas cloturer mon compte non plus. Aucun service client a part une IA de m...., bref une catastrophe, a fuir absolument....”@babua72“Worst customer service The app is globally fine but their customer service is awful. I am a customer since 2021, in contact two times with the so called support. The first time it took three months to solve a transaction blocked between the app and the exchange. Now I can’t order a new card, one month needed to simply change my address and now a n error message that they seem unable to solve. My advice do not put too much money into it….”@Tom“Criminal organization. First they draw you in for 40k promising a cashback on your Visa spendings. Then they change the terms and give you less cashback on only a small percentage of your spending. It is fraud to change a deal after it was made. Also they brought ‘burned’ CRO tokens back in circulation which hurt my investment even more. Strictly it is legal to do so but it’s highly questionable. Stay away as far as possible from them.”@Rusty OTF“if you move money on to the card you can't move it back. on kraken you can go back and forth”@Vincent B“My Crypto.com credit card does not work. I funded it with a 4 digits amount. They do not respond any inquiries at all. I am waiting since over a month with no reply. All I got is a auto generated message that my issue is being closed because it got “old”. I tried multiple times. Don’t use it. You will probably loose your money or coins or both.”@romanklauser“Nutzlos Oh wow! Selten eine nutzlosere Crypto-App gesehen. Meine Hauptkritikpunkte: - Once you top up your Crypto.com card, those funds are locked to the card. • Crypto.com does not support reversing a card top-up back to fiat or crypto wallets.”@DustyDav0“Even airport lounge access been reduced...what's the point on having one now?”@cryptonoshi“My Top Crypto Cards: 1️⃣ @Plasma - love the team, simple & efficient app 2️⃣ @KASTxyz - nice perks, lots of cashback promos 3️⃣ @RedotPay - supports many countries others don't 4️⃣ @useTria - incredibly generous fee structure 5️⃣ @ether_fi - non-custodial giant, big in LATAM Runner Up's: @coca_card @KoloHub @pionexpay @avici My NEVER to use list: ❌ @NebeusWorld - buggy & high fees ❌ @cryptocom - high fx and boring app ❌ @coinbase - high fees and I'm over it”@CoreyBaker1“@cryptocom it’s a shame ur @cryptocomcs is so hard 2 reach. Why is it so hard to set up a Visa card 2 make purchases with my https://crypto.com/us visa. 2 bad I had 2 use @MetaMask card. Although @MetaMaskSupport is not great either. At least I was able 2 set up my card.”

分项评分

KYC 便捷度
6.6/10
费用性价比
6/10
奖励价值
6.9/10
App 体验
6.2/10
客服质量
6.1/10

功能

Virtual CardPhysical CardMetal Card闪付(非接触支付)Online PaymentsATM 取现International ATMMobile App返现Staking RewardsReferral Program2FA SecurityCard FreezeSpending LimitsNotifications

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