Our Official Verdict
Entry-Level Staking: $400 Stake + 2% Cashback
The Plus (Ruby Steel) is the best entry point for card staking. At $49.9, the Spotify rebate effectively pays for the card. It's a low-risk way to earn 2%% cashback while testing the CRO ecosystem.
Overview
Earn 2% back in CRO (capped at $25/mo) with a monthly subscription or active token lockup.
Fees & Charges
Annual Fee
$49.9
FX Fee
0%
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USD, CRO, BTC, ETH, USDT, USDC
Plus (Ruby Steel) Review
The Crypto.com Plus Card (formerly Ruby Steel) is the first rewards-bearing tier in the ecosystem, offering 2% CRO rewards paired with a subscription or 12-month staking requirement.
Tier Snapshot
- Reward Rate: 2% CRO (requires active stake/subscription).
- No-Stake Reward Rate: 0%.
- Subscription Fee: $4.99/month or $49.90/year.
- CRO Staking Requirement: $500 (12-month lockup).
- Monthly Rewards Cap: $25.
- Subscription Rebates: 3 months of Spotify and Truth+.
- Free ATM Withdrawals: $400 USD per month.
- ATM withdrawals cap: $10,000 USD per month.
- Aggregated top-up limit: $25,000 USD per month.
Subscription fee / lockup details
The Plus tier introduces the "Rewards-as-a-Service" model. Users can choose to pay a monthly fee of $4.99 to unlock rewards, or commit to a $500 CRO stake for 12 months. If neither is active, the card reverts to a 0% reward rate, functioning similarly to the Basic tier.
Rewards and caps
The 2% CRO reward rate is capped at $25 per month. This means your rewards stop after the first $1,250 of eligible monthly spending. For users spending more than this, the effective reward rate begins to slide toward zero, making the Pro tier a potentially better fit.
Who this tier fits
Plus is designed for casual spenders who want to "test" the Crypto.com ecosystem without a massive capital commitment. If you spend at least $250 per month, the rewards cover the cost of the subscription. If you spend less, the 0% Basic card is a more logical choice.
Verdict
The Crypto.com Plus card is a competitive entry-level rewards product if you are a regular user of the Crypto.com App. The choice between a $4.99 fee or a $500 stake provides flexibility, but the $25 monthly cap remains a hard ceiling for value.
Fees and break-even math
Subscription fee: $4.99/month or $49.90/year; CRO staking alternative: $500 for 12 months. Reward rate is 0% if subscription/stake is inactive. All figures are sourced from the official Jan 2026 Crypto.com card terms.
Competitor comparison
For higher rewards without a monthly fee, compare against the Tria Signature Card or the Bybit Card, both of which offer competitive cashback rates without a mandatory subscription model.
