Crypto.com Royal Indigo / Jade Green
A $300-a-year crypto card from Crypto.com.
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.
Our review
The Crypto.com Royal Indigo / Jade Green earns 4.5% back in crypto and adds Priority Pass lounge access, but it sits behind the Pro Level Up tier at about $299.90 a year or a $5,000 CRO lock-up. That is a serious cost for a crypto rewards card.
The rate and the lounge access are real, but you need heavy spend, or genuine value from the crypto and lounge perks, to come out ahead of a good travel card.
Think twice if: you are not a heavy spender or committed to Crypto.com, since the $300 cost and crypto volatility are hard to overcome.
Our 5.3 out of 10 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Earning rates at a glance
Rewards: how it earns
You earn 4.5% back in crypto on everything, paid in CRO or Bitcoin (the Bitcoin option caps the rate at $1,000 of purchases a month), plus Priority Pass lounge access. It is a high rate, but it is gated by a costly subscription and paid in a volatile token.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 4.5x | Base rate |
| Groceries | 4.5x | Base rate |
| Gas | 4.5x | Base rate |
| Travel | 4.5x | Base rate |
| Streaming | 4.5x | Base rate |
| Everything else | 4.5x | Everything else |
The fine print on rates: The Pro tier costs about $299.90 per year, or you can lock up $5,000 of CRO for 12 months instead, and it adds Priority Pass lounge access. Rewards are paid in crypto; the Bitcoin option caps the 4.5% rate at $1,000 in purchases per month. Issued by Comenity Capital Bank; not available to New York residents.
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
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.
Pros and cons
- 4.5% back in crypto on everything
- Priority Pass airport lounge access
- Subscription can be waived with a $5,000 CRO lock-up
- Roughly $300 a year via the required Pro subscription
- Rewards are a volatile token
- Not available to New York residents
The welcome bonus
There is no welcome bonus, so nothing offsets the steep Pro tier cost up front.
Is it worth the annual fee?
The roughly $300 a year reflects the required Pro subscription, not a card fee; alternatively you can lock up $5,000 of CRO for a year. To justify it you need enough spend for 4.5% in crypto plus the lounge access to clear $300, which is a high bar for most people.
First-year value vs ongoing value
| Welcome bonus | None |
| To earn it | No minimum spend |
| Est. first-year value* | $1,012 |
| Est. ongoing value / yr* | $1,012 |
There is no lump-sum welcome bonus, so first-year and ongoing value are about the same, roughly $1,012 a year on typical spending after the fee. What you see is what you get from day one.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Requires the Pro Level Up tier: about $29.99 per month ($299.90 per year), or lock up $5,000 of CRO for 12 months
- The $300 annual fee shown reflects the required Pro subscription, not a separate card fee
- Adds Priority Pass airport lounge access
- Rewards are paid in CRO by default, or you can switch to Bitcoin (the Bitcoin option is capped at $1,000 in purchases per month)
- Rewards are paid in cryptocurrency, so their dollar value moves with the market
- No foreign transaction fees
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you spend heavily, already pay for Crypto.com Pro, and value the Priority Pass, the 4.5% in crypto can pencil out.
Otherwise, a travel card with lounge access and a fixed fee, or a free 2% card, will serve you better and pay in something more stable than crypto.
Alternatives to the Crypto.com Royal Indigo / Jade Green
Pairs well with
The Crypto.com Royal Indigo / Jade Green earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
Frequently asked questions
Best-card guides featuring this card
Learn more
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 Royal Indigo / Jade Green lands.
Calculate My CardOffer details verified against issuer sources as of October 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
