[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.
Level Up lets you enjoy unmatched benefits across our product lines, empowering you to achieve your financial goals. Level Up members enjoy*:
Up to a 3% bonus on stock transfers**
Up to 7.5% rewards on idle cash balances in the first year (adjusted rates thereafter)
Up to 8% in uncapped rewards on Card spending in the first year (5% thereafter)
Up to est. 10.5% APY on your CRO deposits
Additional lifestyle benefits like priority customer support and exclusive experiences with our sporting partners, and more
To enjoy these benefits, you simply need to stake CRO in the Crypto.com App.
*Terms and conditions apply. Availability, amount and terms may vary by jurisdiction (i.e. not available in Canada).
**Securities in the U.S. are only offered by Foris Capital US LLC and all related transfer offers are subject to Foris Capital US LLC’s sole discretion and Terms and Conditions. Foris Capital US LLC is an SEC-registered broker-dealer and member FINRA and SIPC
Level Up Staking Benefits
Level Up Staking in the Crypto.com App will give you the following benefits:
Reserve one of our premium metal Crypto.com Prepaid Debit Cards or Crypto.com Visa Signature Credit Card (for US users only)
Enjoy Crypto Wallet benefits, i.e., purchase rebates, extra spending rewards for your Card
Higher rates for Crypto Earn
For users still undergoing the 365-day holding period under Level Up Lockup, the changes will go into effect after your holding period ends. Note that acceptance of the Crypto.com App Terms & Conditions is required to participate in Level Up Staking.
Refer to the table below for the estimated APRs 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.
Should you choose to unstake, an estimated unbonding period of 36 days applies, during and after which your CROs will not be eligible for any Level Up Staking rewards, and you will enjoy non-staking Crypto.com Prepaid Debit Card or Crypto.com Visa Signature Credit Card (for US users only) benefits.
Card | Estimated New Level Up Rewards |
Midnight | N/A |
Ruby | N/A |
Indigo / Jade | up to 4% |
Rose or Icy | up to 8.5% |
Obsidian | up to 9.5% |
*Staking rewards are based on on-chain emission rate or quoted rate above, whichever is lower.
For details of different levels of benefits in relation to the amount of Level Up Stake, please refer to our website.
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
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)
The CRO equivalent of the transaction amount in USD will be deposited into your CRO Wallet, which will be reflected instantly with each eligible transaction.
The rebate cap is reset on the first day of each month. There is a maximum one reimbursement per merchant per month.
Merchant rebates from Spotify and Netflix 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 CRO locked up will enjoy the merchant rebate benefit(s) offered with the new Card tier for six months starting from the date of the upgrade. Merchant 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.
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.
For Crypto.com Prepaid Debit Cards, 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.
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.
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 or Crypto.com Visa Signature Credit Card (for US users only). For existing users of Spotify or Netflix, go to the subscription and payment page to change your payment method to the Crypto.com 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 or Crypto.com Visa Signature Credit Card (for US users only). 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 have a certain balance on my card for the subscriptions?
You need to have a sufficient amount in your Crypto.com Prepaid Debit Card balance or sufficient credit limit in your Crypto.com Visa Signature Credit Card (for US users only) for payment.
I have both a Crypto.com Prepaid Debit Card and Crypto.com Visa Signature Credit Card (for US users only)that gives me purchase rebates. Can I enjoy multiple purchase rebates for Spotify / Netflix?
No, you can only enjoy Spotify / Netflix rebates up to US$13.99 per month. For example, if you hold a Jade Prepaid Debit Card from 1 Dec 2024 and a Jade Credit Card from 1 Jul 2025, you will only enjoy Spotify and Netflix rebates from 1 Dec 2024 to 31 May 2025. You will not enjoy the rebates on your Credit Card thereafter
Increased Spending Rewards - Details
With an ongoing Level Up Stake (as applicable), cardholders will receive the extra spending rewards based on their card:
For Crypto.com Prepaid Debit Cards:
Level | Spending Rewards during the first year | Spending Rewards after the first year | Spending Rewards without an ongoing CRO Stake |
Obsidian | 6.5% | 5% | 0% |
Icy/Rose | 5% | 4% | 0% |
Indigo/Jade | 3.5% | 3% | 0% |
Ruby | 2% | 2% | 0% |
For Crypto.com Visa Signature Credit Cards:
Level | Spending Rewards during the first year | Spending Rewards after the first year | Spending Rewards without an ongoing CRO Stake |
Obsidian | 6.5% | 5% | 1.5% |
Icy/Rose | 5% | 4% | 1.5% |
Indigo/Jade | 3.5% | 3% | 1.5% |
Ruby | 2.5% | 2% | 1.5% |
Midnight | 1.5% | 1.5% | 1.5% |
Note: 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?
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.
There is no monthly spending rewards cap for Crypto.com Visa Signature Credit Card (for US users only).
Crypto.com Prepaid Debit 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 card benefits e.g., Airport Lounge Access, fee-free ATM withdrawal limits (for Crypto.com Prepaid Debit Card only)
Find out more on Level Up Staking here.
Card Automatic Renewal
If you have made transactions on your Crypto.com Prepaid Debit Card within 6 months of your card expiry, or your card has a positive balance at the point of your card expiry, we will automatically re-issue you with a card for a term as may be determined by us.
Note that your reissued Crypto.com Prepaid Debit Card tier will correspond to the amount of CRO you have staked/locked-up (as applicable), notwithstanding your expired card tier.
E.g. If you were holding a Jade Green card but had entirely unstaked/ unlocked your CRO at the point of renewal, you will be reissued a Midnight Blue Card.
If you were holding a Jade Green card but had reduced your staked/locked CRO amount to $500, you will be reissued a Ruby Steel Card.
We reserve the right to vary, suspend or stop your Card Rewards and Benefits immediately in the event you unlock/unstake your CRO while holding your Crypto.com Prepared Debit Card.
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.