Crypto.com
Crypto.com Midnight Blue
Cash back only
Annual fee
No annual fee
Welcome bonus
None
Min spend
N/A
Recommended credit
Good to Excellent (700+)
Offer last verified July 15, 2026. How we verify.
Earning rates
1.5% back in crypto on every purchase, with no annual fee
Rewards are paid in CRO by default, or you can switch to Bitcoin (the Bitcoin option is capped at $250 in purchases per month)
Higher Crypto.com tiers earn 3.5% to 6%, but each requires a paid subscription or locking up CRO for 12 months
Rewards are paid in cryptocurrency, so their dollar value moves with the market
Features & benefits
The entry Level Up tier: free to hold, with no subscription or CRO lock-up required
No foreign transaction fees
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 Midnight Blue lands.
Calculate My Card