Crypto.com
Crypto.com Ruby Steel
Cash back only
Annual fee
$50/yr
Welcome bonus
None
Min spend
N/A
Recommended credit
Good to Excellent (700+)
Offer last verified July 15, 2026. How we verify.
Earning rates
3.5% back in crypto on every purchase
Rewards are paid in CRO by default, or you can switch to Bitcoin (the Bitcoin option is capped at $500 in purchases per month)
Rewards are paid in cryptocurrency, so their dollar value moves with the market
Features & benefits
Requires the Plus Level Up tier: about $4.99 per month ($49.90 per year), or lock up $500 of CRO for 12 months
The $50 annual fee shown reflects the required Plus subscription, not a separate card fee
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 Ruby Steel lands.
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