Crypto.com vs RedotPay
Side-by-side comparison of Crypto.com and RedotPay crypto cards. Data sourced from official issuer documentation and verified by SpendNode.
Comparing 2 Cards
Side-by-side comparison of features and benefits
| Attribute |  |  |
|---|---|---|
| Max Cashback | 8%Highest | 3% |
| Annual Fee | TBD | FreeBest |
| FX Fee | 0% | 1.2% |
| Custody Model | Custodial | Custodial |
| Network | VISA | VISA |
| Regions | GLOBAL | GLOBALAPACLATAMEEA |
| Supported Assets | 6+ assets USDCROBTCETHUSDTUSDC | 5+ assets SOLUSDTUSDCBTCETH |
| Cashback | Yes | Yes |
| Staking | Yes | No |
| Points | No | No |
| Airdrops | No | No |
| Lounge access | Yes | No |
| Subscription rebates | Yes | No |
| Metal card | Yes | No |
| Virtual Cards | No | Yes |
| Physical Cards | No | No |
| Visa | No | No |
| Mastercard | No | No |
| Apple Pay | No | Yes |
| Google Pay | No | No |
| Self-custody spend | No | No |
| Stablecoin spend | No | Yes |
| No annual fee | No | Yes |
| No FX fee | Yes | No |
| ATM free allowance | No | No |
| No KYC | No | Yes |
| Virtual vs Physical | No | Yes |
| Debit vs Prepaid | No | No |
| Best For | Best for Cashback | Best for No Annual Fee |
Note: All data verified as of February 2026. Rewards and fees may vary based on your spending tier and region. Check each card's detailed page for complete terms.
Crypto.com vs RedotPay: Key Differences
The biggest crypto card brand versus the highest-limit off-ramp. [Crypto.com](/crypto-cards/crypto-com/) delivers 0-8% tiered [cashback](/crypto-cards/cashback/) with 0% fees, Spotify/Netflix [rebates](/crypto-cards/rebates/), airport [lounges](/crypto-cards/lounges/), and the deepest lifestyle perks in crypto cards. [RedotPay](/crypto-cards/redotpay-virtual-card/) delivers zero permanent cashback with 2.2% total fees (1% conversion + 1.2% FX) but offers $1,000,000 daily spending limits, [no-KYC](/crypto-cards/no-kyc/) virtual access, and instant activation in 50+ countries. Completely different tools for completely different use cases. Crypto.com is a rewards card for daily spending. RedotPay is a high-capacity off-ramp for moving serious volume.
The right choice depends on your priorities: cashback rates, regional availability, custody model, and which ecosystem you already use. Below, we break down who should choose each card.
Product Architecture
Crypto.com - Custodial Visa prepaid with six tiers by CRO stake or subscription: Basic (free, 0%), Plus ($4.99/mo or $500 CRO, 2%, $25/mo cap), Pro ($29.99/mo or $5K CRO, 3%, $75/mo cap), Private ($50K CRO, 4%, uncapped), Obsidian ($500K CRO, 5%), Prime ($1M CRO, 8%). 0% FX on all tiers. Spotify, Netflix, Amazon Prime rebates at Plus+. Airport lounges at Pro+. GLOBAL (US, EEA, UK, APAC, LATAM). Assets: 350+ cryptos, fiat wallets. App Store: 4.7, 322K+ reviews.
RedotPay - Custodial Visa prepaid. Three variants: Virtual ($10 issuance, no-KYC, instant), Solana Edition ($10, 3% promo cashback limited-time), Physical ($100 issuance, ATM access). 1% crypto conversion + 1.2% FX on all variants. No permanent cashback. $1M daily, $100K per transaction. 50+ countries. Assets: USDT, USDC, BTC, ETH, SOL. App Store: 4.8, 2,619 reviews.
Spending Economics: Rewards vs Fees
| Tier | Crypto.com (rate / fees / cost) | RedotPay (rate / fees / cost) | CdC annual on $3K/mo | RedotPay annual on $3K/mo |
|---|---|---|---|---|
| Free | 0% / 0% / $0 (Basic) | 0% / 2.2% / $10 (Virtual) | $0 | -$792 |
| Mid | 2% / 0% / $60/yr or $500 CRO (Plus) | 0% / 2.2% / $10 | $300 (capped) | -$792 |
| Premium | 4% / 0% / $50K CRO (Private) | 0% / 2.2% / $100 (Physical) | $1,440 | -$792 |
| Max | 8% / 0% / $1M CRO (Prime) | 0% / 2.2% / $100 | $2,880 | -$792 |
In SpendNode's head-to-head, RedotPay loses money on every transaction at every level. The 2.2% combined fee (1% conversion + 1.2% FX) applies to all spending with no cashback to offset it. Crypto.com earns positive returns from the Plus tier upward.
The free tier gap is $792/year. Crypto.com Basic breaks even (0% cashback, 0% fees). RedotPay Virtual loses $792/year on $3,000/month. Both are free to hold, but every RedotPay transaction costs 2.2%.
Limits: Where RedotPay Dominates
| Metric | Crypto.com | RedotPay |
|---|---|---|
| Daily spending | Varies by tier | $1,000,000 |
| Per transaction | Varies by tier | $100,000 |
| ATM monthly | Varies by tier | $50,000 (Physical) |
| KYC required | Yes (all tiers) | No (Virtual) |
| Activation time | Days (KYC review) | Minutes (Virtual) |
RedotPay's $1M daily limit is unmatched in the crypto card market. For high-volume off-ramping - converting large crypto positions to fiat spending, paying for real estate deposits, or handling business expenses - RedotPay's infrastructure handles volumes that most cards reject. Crypto.com's limits increase with tier but require staking $50K-1M in CRO to unlock higher levels.
Ecosystem Depth
Crypto.com offers the richest ecosystem of any crypto card provider: 350+ supported assets, Crypto.com Exchange integration, DeFi Wallet, Cronos blockchain, Earn products (yield on deposits), Pay (merchant payments), NFT marketplace. The card is one component of a full financial platform.
RedotPay offers App 2.0 with global payout tools and multi-currency support. The ecosystem is narrower: card, payouts, and basic wallet management. No exchange, no DeFi, no yield products, no marketplace.
For users who want a full crypto financial platform, Crypto.com is significantly deeper. For users who want a simple, high-limit card with minimal platform overhead, RedotPay is more focused.
Common Pitfalls
Using RedotPay for daily spending when Crypto.com charges zero fees. RedotPay's 2.2% fee stack costs $792/year on $3,000/month spending with no cashback to offset it. Crypto.com Basic costs $0/year on the same spending (0% cashback, 0% fees). Crypto.com Plus earns up to $300/year. The spending economics never favor RedotPay for regular purchases. RedotPay's value is in high-limit, occasional off-ramping - not daily coffee runs. How to avoid it: Use Crypto.com (or any cashback card) for daily spending. Use RedotPay only when you need its unique capabilities: $100K+ single transactions, no-KYC instant access, or $1M daily volume.
Dismissing RedotPay because it has no cashback without considering its limit advantage. A user who needs to convert $200,000 in USDT to fiat spending within a week cannot do this on Crypto.com without top-tier staking. RedotPay handles $200,000 in a single day. The 2.2% fee on $200,000 is $4,400 - significant but potentially worth it if the alternative is splitting transactions across multiple cards over weeks or using OTC desks with wider spreads. How to avoid it: Assess your volume needs. For daily spending under $10,000/month, Crypto.com wins easily. For occasional high-volume off-ramping above $50,000, RedotPay's infrastructure is purpose-built.
Which One to Pick
For daily spending with rewards: Crypto.com at any tier. Zero fees, 0-8% cashback, streaming rebates, and the deepest crypto card ecosystem. No other custodial card matches the breadth.
For high-volume off-ramping: RedotPay with $1M daily limits and $100K per transaction. Accept the 2.2% fee as the cost of high-capacity infrastructure.
For instant no-KYC access: RedotPay Virtual with $10 issuance and minutes to activate. Crypto.com requires full KYC review.
For lifestyle perks: Crypto.com from Plus tier upward. Spotify, Netflix, Amazon Prime rebates, airport lounges, and metal cards. RedotPay offers no lifestyle perks.
Outlook: Crypto.com and RedotPay serve fundamentally different segments. Crypto.com competes with lifestyle cards (Bybit, Nexo). RedotPay competes with off-ramp infrastructure (payment processors, OTC desks). If RedotPay adds cashback or reduces its fee stack, it would compete more directly with daily-spend cards. If Crypto.com raises its per-transaction limits at lower tiers, it would address the high-volume use case. Both cards can coexist in the same wallet - Crypto.com for daily rewards, RedotPay for occasional high-limit transactions.
Fee Breakdown
| Fee | Crypto.com | RedotPay |
|---|---|---|
| FX Fee | 0% | 1.2% |
| Annual Fee | TBD | Free |
| ATM Fee | TBD | TBD |
Fees pulled from issuer documentation. Verify on the official site before applying.
Who Should Choose Crypto.com
The Prime is best suited for users who:
- Want up to 8% cashback on spending
- Need zero FX fees for international transactions
- Are based in GLOBAL
Who Should Choose RedotPay
The RedotPay Solana Card is best suited for users who:
- Want up to 3% cashback on spending
- Prefer a card with no annual fee
- Are based in GLOBAL, APAC, LATAM, EEA
Our Verdict
**SpendNode's cost-at-spend model confirms Crypto.com wins on every spending metric - cashback, fees, perks, ecosystem. RedotPay wins only on limits and speed of access.** At the free tier, Crypto.com Basic (0%, 0% fees) breaks even on spending. RedotPay Virtual (0%, 2.2% fees) loses $792/year on $3,000/month. At mid-tier, Crypto.com Plus (2%, $4.99/month or $500 CRO) earns up to $300/year in capped cashback. RedotPay still loses $792/year. At premium, Crypto.com Private (4%, $50K CRO) earns $1,440/year uncapped. RedotPay still loses $792/year. The spending economics are not close at any tier. RedotPay's value proposition is not in spending rewards - it is in infrastructure: $1,000,000 daily limits, $100,000 per transaction, no-KYC virtual activation, and support for BTC/ETH/USDT/USDC off-ramping at scale. For a user who needs to convert $50,000 in crypto to fiat spending in a single day, RedotPay is one of very few cards that can handle the volume. Crypto.com's limits are lower and require full KYC with staking commitments for higher tiers.
Frequently Asked Questions
Which has better cashback, Crypto.com or RedotPay?
Crypto.com offers up to 8% cashback compared to RedotPay's 3%. Actual rates depend on your spending tier and card variant.
Which card has lower fees?
Crypto.com charges 0% FX fee vs RedotPay's 1.2%.
Is Crypto.com or RedotPay better for self-custody?
Both use custodial models. If self-custody is important, consider providers like Gnosis Pay or ether.fi.
Which card is available in more regions?
RedotPay is available in 4 regions (GLOBAL, APAC, LATAM, EEA) compared to Crypto.com's 1 region (GLOBAL). Always verify eligibility on the issuer's website.