CASHBACK
Verified Benefit
STAKING
Verified Benefit
NO FX FEE
Verified Benefit
Our Official Verdict
The Apex: 8% Uncapped CRO Rewards + Private Account Manager
The Prime card is the highest-reward card in the crypto industry. At 8%% uncapped CRO rewards, it turns every dollar of spending into meaningful token accumulation. The $1,000,000 CRO stake is the barrier, but for those who clear it, no other card delivers this rate at this scale.
Fees & Charges
Annual Fee
TBD
FX Fee
0%
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USD, CRO, BTC, ETH, USDT, USDC
Prime Review
The Crypto.com Prime Card is the highest tier in the Crypto.com Visa program, offering 8% uncapped CRO rewards, a private account manager, permanent subscription rebates, and lounge access with a guest. Requires a $1,000,000 12-month CRO staking lockup.
8% Uncapped CRO: The Highest Cashback Rate in Crypto
The Prime card offers 8% CRO rewards on everyday spending with no monthly cap. No other crypto card in the market matches this rate at unlimited scale. The Obsidian caps at 5%, the KAST Solana Gold offers 8% in points (pre-TGE, speculative), and every other card tops out lower.
The catch: you need $1,000,000 in CRO locked for 12 months.
Prime vs Obsidian
| Feature | Prime | Obsidian |
|---|---|---|
| CRO stake | $1,000,000 | $500,000 |
| Everyday rewards | 8% | 5% |
| Monthly cap | None | None |
| Travel rewards (coming soon) | 15% | 15% |
| Private account manager | Yes | Coming soon |
| Subscription rebates | Permanent | Permanent |
| Lounge access | Yes + 1 guest | Yes + 1 guest |
| Free ATM | TBA | $1,000/mo |
The upgrade from Obsidian to Prime costs an additional $500,000 in CRO and gains 3 percentage points of cashback (8% vs 5%). That 3% delta determines whether the upgrade is worth it.
Break-Even: When Does the Extra $500K Pay Off?
The incremental cost of Prime over Obsidian is $500,000 in additional CRO stake. The incremental reward is 3% more cashback (8% vs 5%).
| Monthly Spend | Annual Extra Cashback (3%) | Years to Recover $500K |
|---|---|---|
| $10,000 | $3,600 | 139 years |
| $25,000 | $9,000 | 56 years |
| $50,000 | $18,000 | 28 years |
| $100,000 | $36,000 | 14 years |
| $250,000 | $90,000 | 5.6 years |
| $500,000 | $180,000 | 2.8 years |
On cashback alone, Prime only makes sense at very high spending volumes ($250K+/month). The real calculus includes CRO price appreciation on the locked stake and the value of the private account manager.
Absolute ROI (Ignoring Stake)
If you view the $1M CRO stake as an investment rather than a cost (you get it back after 12 months), the pure cashback return is:
| Monthly Spend | Annual Cashback (8%) | Monthly Cashback |
|---|---|---|
| $10,000 | $9,600 | $800 |
| $25,000 | $24,000 | $2,000 |
| $50,000 | $48,000 | $4,000 |
| $100,000 | $96,000 | $8,000 |
At $50K/month spending, you earn $48,000/year in CRO rewards. That is a 4.8% return on the staked capital through cashback alone, before any CRO price movement.
Service Benefits
- Private account manager - the only tier with confirmed (not "coming soon") private manager access
- Permanent subscription rebates - Spotify, Netflix, and Truth+ (same as Obsidian and Icy White)
- Airport lounge access - unlimited, plus one guest (same as Obsidian and Icy White)
- Priority support - voice and messaging support
- Exclusive experiences - F1, UFC, UEFA events
What Is Not Yet Confirmed
The official tier table lists three items as "To be announced" for Prime:
- Free ATM withdrawal allowance
- ATM withdrawal cap
- Aggregated top-up limit
Do not assume Prime matches Obsidian's limits ($1,000/mo free ATM, $10,000/mo cap). Confirm in-app when these details are published.
Competitor Comparison
| Feature | Crypto.com Prime | Crypto.com Obsidian | KAST Solana Gold |
|---|---|---|---|
| CRO/Stake cost | $1M CRO | $500K CRO | $10K/yr |
| Rewards | 8% CRO | 5% CRO | 8% points + 4% $MOVE |
| Reward type | Guaranteed CRO | Guaranteed CRO | Speculative (pre-TGE) |
| Monthly cap | None | None | None |
| FX fee | 0% | 0% | N/A |
| Lounge | Yes + guest | Yes + guest | No |
Prime is the only card that guarantees 8% in a liquid, traded token (CRO). KAST matches the rate in points, but those points have no confirmed value until TGE.
Verdict
The Crypto.com Prime Card is the highest-reward guaranteed cashback card in the crypto industry. At 8% uncapped CRO on every purchase, it converts high spending volume into serious token accumulation. The $1,000,000 CRO stake is a barrier that limits this to high-net-worth individuals, but for those who can commit, no other card delivers this combination of rate, scale, and ecosystem backing.
Best for: Ultra-high-net-worth CRO holders who spend $50K+/month and want the highest guaranteed cashback rate in crypto. Look elsewhere if: Your monthly spend is under $25K - the Obsidian ($500K stake, 5%) offers better capital efficiency at lower volumes.
Fees and break-even math
CRO stake: $1,000,000 (12-month lockup). No monthly subscription. FX fee: 0%. ATM limits: TBA. Top-up limits: TBA. Break-even vs Obsidian: depends on spending volume. At $50K/month, the 3% incremental cashback returns $18K/year on the $500K incremental stake (3.6% return).
Competitor comparison
- Crypto.com Obsidian: 5% CRO, $500K stake. Same ecosystem, lower rate, lower barrier.
- KAST Solana Gold: 8% points, $10K/yr. Matches rate but speculative (pre-TGE).
- ether.fi VIP: Invite-only, details TBA. Potential competitor in the ultra-premium space.
Sources
FAQ
What is the CRO staking requirement for the Prime card?
$1,000,000 in CRO locked for 12 months. There is no monthly subscription alternative for this tier.
Last verified: Feb 9, 2026 - Data sourced from official Crypto.com documentation.
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