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The Crypto.com Visa Card is a tiered program that has transitioned to a subscription-based model or 12-month CRO staking lockups, offering up to 8% CRO rewards for active participants.
Overview of the 2026 Tiers
New Tier Lineup
As of January 2026, Crypto.com has simplified its card hierarchy. While the physical cards maintain their iconic colors, the official tier names have changed:
- Basic (formerly Midnight Blue).
- Plus (formerly Ruby Steel).
- Pro (formerly Royal Indigo / Jade Green).
- Private - $50,000 (formerly Icy White / Rose Gold).
- Private - $500,000 (formerly Obsidian).
- Private - $1,000,000 (formerly Prime).
The "Stake or Zero" Reward Model
The most critical update for 2026 is the removal of "no-stake" rewards. For the Basic, Plus, and Pro tiers, the default reward rate is 0% unless the user maintains an active CRO stake or a monthly subscription.
- Plus (Ruby Steel): Requires a $4.99/mo subscription or $500 CRO stake to earn 2%.
- Pro (Indigo/Jade): Requires a $29.99/mo subscription or $4,000 CRO stake to earn 3%.
- Private Tiers: Maintain rewards (4% to 8%) but require massive 12-month CRO lockups.
Subscription fee / lockup structure
The program now uses a hybrid "SaaS" model for its mid-tier cards:
- Plus and Pro can be unlocked via a monthly subscription, an annual subscription, or a 12-month CRO staking lockup.
- Private tiers list only 12-month CRO staking lockups with no monthly subscription option.
- Basic is free but offers 0% rewards, functioning purely as a utility card for spending and ATM access.
Rewards and caps
The monthly rewards caps remain a significant factor for the mid-tiers:
- Basic: 0% rewards.
- Plus: 2% rewards, capped at $25 per month.
- Pro: 3% rewards, capped at $75 per month.
- Private Tiers: No monthly reward cap.
Benefits and service perks
The 2026 progression for benefits is:
- Subscription rebates: Start at the Plus tier (3 months of Spotify and Truth+), expand at Pro (6 months), and become permanent at the Private tiers.
- Lounge access: Begins at the Pro tier but is limited to annual subscribers (capped at 4 visits/year). Private tiers include unlimited lounge access with one guest.
- Priority support: Now starts at the Pro tier and above.
Fees and limits
- Free ATM withdrawals: Range from $200/month (Basic) to $1,000/month (Private tiers).
- Monthly ATM withdrawal caps: Range from $5,000 to $10,000.
- Aggregated top-up limit: $25,000/month for most tiers.
Verdict
The 2026 Crypto.com overhaul represents a "Flight to Quality." By removing the free entry-level rewards, the platform is prioritizing users who are deeply integrated into the CRO ecosystem. The Plus and Pro tiers can still be profitable for high-volume spenders, but the introduction of monthly subscription fees means users must now calculate their break-even spend carefully. For casual users who do not wish to stake or pay a fee, the card has lost its primary value proposition as a rewards generator.
Fees and ROI framework
For subscription tiers, break-even = subscription fee / effective rewards rate. For CRO staking tiers, model the opportunity cost of locking CRO against the expected reward yield. All numeric fee and limit figures are sourced from the official Jan 2026 Crypto.com card terms.
Sources
Frequently Asked Questions
What happened to the old tier names like Ruby and Obsidian?
As of Jan 2026, Crypto.com simplified its naming: Midnight Blue is now Basic, Ruby Steel is Plus, Royal Indigo/Jade Green is Pro, and the high-end tiers are branded as Private.
Can I earn rewards without staking CRO?
No. For the Basic, Plus, and Pro tiers, the reward rate is 0% unless you maintain an active CRO stake or subscription.
What are the subscription fees for the Plus and Pro tiers?
The Plus tier costs $4.99/month (or $49.90/year) and the Pro tier costs $29.99/month (or $299.90/year) if you choose the subscription route instead of a 12-month lockup.