[Important] This FAQ page applies to:
Crypto.com App users who are residents of the following territories: eligible states in the US*, UK, EEA, Switzerland, Australia, New Zealand, Argentina, Brazil, Colombia, Mexico, Peru, Bahrain, Oman, Saudi Arabia, UAE, Kuwait, Philippines, Taiwan, and Malaysia.
*Ineligible US states: New York, California, Maryland, New Jersey, South Carolina, and Wisconsin.
Users who are not residents of the above territories are ineligible for the Level Up Staking program, and may be eligible for the Level Up Lockup program instead. Please refer to this page for further details on the Level Up Lockup program.
Existing cardholders who applied for the Crypto.com Prepaid Debit Card before 6 November 2024, 03:00 UTC and who have not chosen to upgrade to the Level Up Experience may be ineligible for the Level Up Staking and/or Level Up Lockup programs. Please refer to this page or this page for further details on the applicable legacy Cardholder CRO Staking and CRO Lockup programs respectively.
You may also refer to your Crypto.com App account to determine which, if any, of the abovementioned programs is applicable to you.
As part of the Level Up programme, Crypto.com provides card holders with rewards that are designed to fit the needs of users who are always on the move.
Building on the existing travel rewards provided to Crypto.com Prepaid Debit Card holders, which include Priority Pass™* airport lounge access and no overseas fees*, select cards offer:
Your Music: Spotify. Get a 100% rebate for your standard subscription plan (up to US$13.99 equivalent** / ***)
Your Movies: Netflix. Get a 100% rebate for your basic subscription plan (up to US$13.99 equivalent** / ***)
Best Spending Rewards. Ever. Up to 8% back in CRO rewards on spending, local or overseas, depending on your card tier and no minimum spending required depending on your Card tier.
*Subject to different cards and regions. Refer here for more fees & limits details.
**Maximum one reimbursement per merchant per month.
***Rebates for Spotify and Netflix expenses expire after six months upon card activation (card issuance for a virtual card) for new users with Indigo, Jade, and Ruby. Cardholders who have upgraded their Card tier or stake will enjoy the rebate benefit(s) offered with the new Card tier for six months starting from the date of the upgrade. Rebate benefits will not expire after six months for cardholders upgrading to the Icy, Rose, or Obsidian Cards, for as long as the cardholder maintains one of these cards.
The Level Up Staking requirements for the Crypto.com Prepaid Debit Card holders are expressed in the local fiat currency equivalent.
For more information on Level Up Staking Rewards, refer to the Level Up Staking rewards section below.
Refer here for more details on Level Up Staking eligibility.
Whenever you stake*** the required CRO for Level Up, you can enjoy various Level Up Staking benefits, such as additional spending rewards, purchase rebates, and higher rewards rates in Crypto Earn, depending on the card that you have staked or locked up for.
Important:
If you are an existing cardholder with a Crypto.com Prepaid Debit Card issued before 6 November 2024, and you opt to upgrade your card on or after 6 November 2024, your current CRO Stake will be replaced with Level Up Staking and will be subject to a fresh 365-day holding period.
Cardholders will lose their Staking Rewards (as applicable) and card benefits if the required amount of CRO is unstaked.
Cardholders will receive the exact quantity of CRO back when they unstake after the unbonding period (for markets in which Level Up Staking is available) or immediately after they unlock (for markets in which Level Up Staking is not available).
For example:
Level Up Staking: A user stakes 5,000 CRO for a Ruby card, when 1 CRO = US$0.08 ($400/$0.08). When that user unstakes, 5,000 CRO will be returned to them after the unbonding period, regardless of whether the price of CRO is higher or lower at the time of unstaking.
Purchase Rebates - Details
The CRO equivalent of the transaction amount in USD will be deposited into your Crypto Wallet, which will be reflected instantly with each eligible transaction.
The limit for the purchase rebates is as follows:
Spotify: Up to US$13.99 per month
Netflix: Up to US$13.99 per month
The rebate cap is reset on the first day of each month.
Transactions made under these merchant categories or channels are excluded from the Level Up programme: digital wallets, digital banking services, crypto exchanges, stored value products, money remittance services, security brokers/dealers, insurance sales, underwriting and premiums, tax payments, government services, financial institutions, POI funding transactions, quasi cash, money orders/wire transfers.
This offer is launched independently by Crypto.com, and there is no partnership between Crypto.com and the merchants in this offer. Crypto.com has the sole discretion to modify this offer at any time.
Increased Spending Rewards - Details
With an ongoing Level Up Stake (as applicable), cardholders will receive the extra spending rewards based on their card:
Level | Spending Rewards during the first year | Spending Rewards after the first year | Spending Rewards without an ongoing CRO Stake |
Obsidian | 6.5% | 5% | 2% |
Icy/Rose | 5% | 4% | 1% |
Indigo/Jade | 3.5% | 3% | 0% |
Ruby | 2% | 2% | 0% |
Note: You will not be required to stake or lock up any CRO for the Midnight Tier, as long as you opt in to the same, but you will not be awarded any cardholder rewards.
Spending rewards at qualifying merchants eligible for purchase rebates will only be credited for amounts exceeding the maximum monthly purchase rebate. For example, if you spend US$39.99 on Netflix, you will enjoy US$13.99 in purchase rebates, and spending rewards on the remaining US$20.
*The monthly CRO rewards caps for Ruby and Indigo/Jade still apply.
When will CRO rewards be credited on purchases made with the Crypto.com Prepaid Debit Card?
Crypto.com Prepaid Debit Card spending rewards will be credited to your Crypto Wallet shortly after you've made an eligible purchase.
Monthly CRO Rewards Cap
There is a monthly cap on spending rewards you can earn for your Crypto.com Prepaid Debit Card. For example, if you hold a Ruby card, your monthly CRO rewards will be capped at US$25.
There is no monthly spending rewards cap for Icy, Rose, and Obsidian cards.
Card | Monthly CRO Card Rewards Cap (in USD or the equivalent amount in other local fiat currencies) |
Ruby | $25 |
Indigo / Jade | $75 |
*Valid for new users or cardholders who upgraded on and after 6 November 2024.
Note: Monthly CRO card rewards caps are reset at 00:00:00 UTC on the first day of each calendar month.
Level Up Staking Rewards
Users will receive rewards weekly as part of the Level Up Staking programme (only in eligible markets).
Refer to the table below for the estimated rewards rate under Level Up Staking. The reward rates provided are an estimation based on data from validators and are subject to change. The rewards you receive will be the final reward rates received from validators, less service fees charged by Crypto.com. Crypto.com does not guarantee any particular rate of return.
The Level Up Staking rewards will be credited to your Level Up Stake in your Crypto Wallet weekly, thus compounding your rewards.
Card | Existing CRO Staking Rewards (for users who applied for their card before 6 November 2024) | Estimated New Level Up Rewards* (for users who applied for their card on or after 6 November 2024) |
Midnight | N/A | N/A |
Ruby | N/A | N/A |
Indigo / Jade | 4% | up to 4% |
Rose or Icy | 7% | up to 8.5% |
Obsidian | 7% | up to 9.5% |
*Staking rewards are based on on-chain emission rate or quoted rate above, whichever is lower.
After the 365-day holding period, you can unstake your CRO. Simply go to your Crypto Wallet in the App and tap the Unstake button.
Note:By unstaking CRO, you will be subjected to a 36-day unbonding period, which is imposed by the underlying blockchain protocol. During and after the unbonding period, you will be unable to enjoy Level Up Stake rewards or benefits that come with Level Up Stake, for example:
Purchase rebates
Additional spending rewards
You will continue to enjoy non-staking Crypto.com Prepaid Debit Card benefits (e.g., spending rewards of up to 2% for Icy / Rose / Obsidian), Airport Lounge Access, fee-free ATM withdrawal limits, and interbank exchange rates).
Find out more on Level Up Staking here.
Free Card Reissuance
Until further notice, the US$50 card re-issuance fee will be waived for cardholders who upgrade to a higher card by staking the required amount of CRO.
Icy, Rose, and Obsidian cardholders enjoy additional benefits
Additional CRO rewards and benefits, together with Crypto.com Private Membership, tailored for our Obsidian, Rose, and Icy cardholders***
This builds on our existing benefits for these cardholders, which include up to 6.5% in rewards back on spending, and airport lounge access with a guest. Revisit them here.
Relevant questions:
I am an existing Crypto.com Prepaid Debit Cardholder, what will happen to my Purchase Rebates?
If you have an existing Crypto.com Prepaid Debit Card issued before 6 November 2024, 03:00 UTC, you will continue receiving the same merchant rebates and lockup benefits, as described here. As long as you are still in an active lockup period and within the validity timeframe, you will continue receiving the following rebates, no longer available for Level Up users:
Amazon Prime
X.com (Previously Twitter). Get a 100% rebate for your premium subscription plan (up to US$8 equivalent
10% purchase rebate on each Expedia (US$50 equivalent) or Airbnb booking (US$100 equivalent)
The details listed in this Help Center article are intended for participants of the Crypto.com Level Up Experience after this date.
How do I sign up for these benefits?
Apply for a Crypto.com Prepaid Debit Card by downloading the Crypto.com App. Existing cardholders can upgrade to a higher card.
Do I need to change my current Spotify and Netflix plan in order to enjoy these benefits?
Visit the respective sites and pay for your subscription with your Crypto.com Prepaid Debit Card.* For existing users of Spotify or Netflix, go to the subscription and payment page to change your payment method to the Crypto.com Prepaid Debit Card.
Note: Enabling International Usage may be required.
How do I get my rebates for Spotify and Netflix?
Make your payment, as usual, using your Crypto.com Prepaid Debit Card. Crypto.com will deposit the CRO equivalent of the rebate into your Crypto Wallet.
The user may immediately convert the CRO into other cryptocurrencies or supported fiat currencies.
Do I have to make recurring subscription payments using the Crypto.com Prepaid Debit Card?
Yes, you must make the payment or change the current payment method to the Crypto.com Prepaid Debit Card for the subscription in order to enjoy the rebates.
Do I have to have a certain balance on my card for the subscriptions?
You need to have a sufficient amount in your card balance for payment.