What is Level Up?
Level Up grants you unmatched benefits across our product lines, empowering you to grow your wealth. Benefits include:*
Zero trading fees
Up to 3% bonus on stock transfers**
Up to 5% rewards on idle cash balances
Up to 5% uncapped rewards on spending with the Crypto.com Prepaid Card
Up to 6% uncapped rewards on spending with the Crypto.com Visa Signature® Credit Card (US users only)***
Up to an estimated 9.5% APY on your CRO deposits
Additional lifestyle perks such as priority customer support, exclusive experiences with our sporting partners, and more
Level Up features four plans to suit every user:
Basic (formerly Midnight)
Plus (formerly Ruby)
Pro (formerly Jade/Indigo)
Private (formerly Icy/Rose/Obsidian)
The higher your plan, the better your benefits. Refer here for more details.
*Terms and conditions apply. Availability, amounts, and terms may vary by jurisdiction.
**Securities in the U.S. are offered only by Foris Capital US LLC. 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 of FINRA and SIPC.
How do I join Level Up?
You can join Level Up Plus, Pro, or Private by:
Paying a monthly or yearly subscription, or
Locking up or staking CRO*
You only need to choose one option — either subscribe or lock up CRO, not both. Select the option that best suits you.
Private | CRO Lockup/Stake |
Pro | Subscription or CRO Lockup/Stake |
Plus | Subscription or CRO Lockup/Stake |
Basic | No subscription or CRO Lockup/Stake required |
*Plus, Pro, and Private Level Up plans require a Level Up subscription or CRO Lockup or Stake for 12 months from Crypto.com Visa Credit Card account opening. If you do not wish to subscribe or Lockup/Stake, select the Basic plan. Offer is exclusive to Crypto.com Visa Signature® Credit Card holders enrolled in the Level Up program. This rewards program is provided by Crypto.com and its terms may change at any time. For full Rewards Terms and Conditions, please see https://crypto.com/document/us_credit_card. Crypto.com calculates and awards the amount of CRO tokens earned based on the current market rate at the time of your purchase.
Follow these steps to join Level Up:
1. Go to Level Up in the top-right corner of the home screen or access it from the main menu. | 2. Explore the different plans and their benefits. |
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3. Select your preferred plan, Subscribe or Lockup, and confirm your selection. | 4(a). If you choose to subscribe, select your billing cycle and complete your payment. |
4(b). If you choose to lock up or stake CRO, follow the on-screen instructions to complete the transaction. | 5. That’s it! You’re ready to start enjoying your benefits. |
How does the Level Up subscription billing cycle work?
Your subscription begins upon payment of the yearly or monthly amount. The next billing date depends on your subscription term:
Monthly: 30 days after your initial payment, at 00:00 UTC
Yearly: 365 days after your initial payment, at 00:00 UTC
What happens if I miss a recurring subscription payment?
If your selected payment method cannot be charged at your monthly billing cycle, we will send you a reminder to update your payment method via email and push notification.
If the payment is still unsuccessful, you will be downgraded to the Basic plan. You will need to resubscribe to reactivate the benefits of your previous tier.
How do I cancel my subscription?
Please take note of the cancellation policies based on your subscription term:
Monthly Subscription
| If you cancel, you will continue to enjoy your benefits until the end of the current monthly billing cycle.
Afterward, you will be downgraded to the Basic plan starting from the next month. |
Yearly Subscription | If you cancel within 30 days of subscribing, you will be refunded the full amount paid and downgraded to the Basic plan. Please contact chat.crypto.com to request a refund.
If you cancel after 30 days, you will not receive a refund but will continue to enjoy your benefits until the end of the current yearly billing cycle. You will be downgraded to the Basic plan once your yearly billing cycle ends. |
To cancel your subscription, follow these steps:
Go to Level Up in the top-right corner of the home screen or access it from the main menu
Scroll down to the bottom of the screen and tap Manage subscription > Cancel subscription
Are there any fees charged for my subscription payments?
No, trading fees (payments made with your Crypto Wallet or Cash Account) and card fees (payments made with a credit/debit card or Apple Pay/Google Pay) do not apply to subscription payments.
How do I upgrade my plan?
Please take note of the following process for upgrading to a higher plan, depending on your scenario:
Scenario | Outcome | How to Upgrade |
Upgrading to a higher plan via subscription
Example: You are subscribed to Plus and want to subscribe to Pro. | You will be charged a prorated amount for the remaining period of your current subscription billing cycle, based on the price difference between your current plan and the upgraded plan.
Your billing cycle will reset to the date of the upgrade, and future renewals will be for the upgraded plan.
Your upgrade will take effect immediately. |
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Upgrading to a higher plan via CRO Lockup/Staking
Example: You have locked up CRO for Plus and want to lock up for Pro. | If you already have CRO locked up, you need to lock up the difference between the amount required for the upgraded plan and what is currently locked.
The 365-day holding period will restart upon upgrading.
Your upgrade will take effect immediately. |
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Upgrading from a subscription to a higher plan via CRO Lockup/Staking
Example: You are subscribed to Plus and want to upgrade to Pro and switch to CRO Lockup. | You will be refunded a prorated amount for the remaining period of your current subscription billing cycle.
The 365-day holding period will start upon upgrading.
Your upgrade will take effect immediately. |
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How do I downgrade my plan?
Please take note of the following process for downgrading to a lower plan, depending on your scenario:
Scenario | Outcome | How to Downgrade |
Downgrading to a lower plan via subscription
Example: You are subscribed to Pro and want to subscribe to Plus | You need to cancel your current subscription and resubscribe to the lower plan.
The downgrade will take effect after your current billing cycle ends. You will continue to enjoy your current plan's benefits until then.
When the billing cycle ends, you will be charged the subscription amount for the lower plan.
Future subscription renewals will be for the downgraded plan. |
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Downgrading to a lower plan via CRO Lockup/Staking
Example: You have locked up CRO for Pro and want to lock up for Plus. | You can only downgrade to a lower plan after the 365-day CRO Lockup/Staking period for your current plan ends.
After the holding period ends, you can unlock/unstake your CRO for the current plan.
You can then lock up or stake CRO for the lower plan and start enjoying its benefits immediately.
Future renewals will be based on the downgraded plan. |
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Downgrading from CRO Lockup/Staking to a lower plan via subscription
Example: You have locked up CRO for Pro and want to subscribe to Plus. | You can only downgrade after the 365-day CRO Lockup/Staking period for your current plan ends.
After it ends, you can unlock/unstake your CRO for the current plan.
You can then subscribe to the lower plan and start enjoying its benefits immediately.
Future subscription renewals will be for the downgraded plan. |
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What’s the difference between Level Up CRO Lockup and Level Up CRO Staking?
Your ability to lock up or stake CRO depends on your jurisdiction. Here are the key differences between Level Up CRO Lockup and Level Up CRO Staking:
| Level Up CRO Staking | Level Up CRO Lockup |
Mechanics | When you stake CRO, your tokens are staked on-chain, allowing you to participate in securing the underlying blockchain. Learn more here.
Staking rewards are paid back to your staked amount, compounding your earnings over time.
Both staking and unstaking involve activation and unbonding periods, respectively. | Reward rates for CRO Lockup are set by Crypto.com based on market conditions and are not compounded. |
Availability | The Crypto.com App allows CRO staking for residents of the following territories: Eligible US* states, 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, and Wisconsin. | CRO Lockup is available for users who are not eligible for CRO Staking. |
Can I increase my Level Up CRO Lockup or Stake to upgrade?
Yes. You need to lock up or stake the difference between the amount of CRO you currently have locked up or staked for your plan and the amount required for the upgraded plan.
For example, you currently have a US$2,000 CRO Lockup and wish to upgrade to Pro. You will need to lock up or stake an additional US$3,000 of CRO. The 365-day holding period will restart upon upgrading.
Follow these steps to upgrade your plan:
Go to Level Up in the top-right corner of the home screen
Tap Upgrade in the top-right corner of the Level Up screen
How do I know if my CRO stake is confirmed?
Follow these steps to view your staking status:
From the bottom navigation, go to Accounts > Cronos
Scroll down to view your transaction history, where your CRO Lockup and its status will be displayed
Here’s what each staking status means:
Status | Description |
Pending | Your staking request has been received by Crypto.com. |
Activating | Crypto.com has accepted your staking request and your assets will be staked soon. |
Staked | Your assets are successfully staked and will start generating rewards. |
How do I unstake my CRO?
Please note that you can only unstake your CRO in full after the 365-day holding period ends. To unstake your CRO, follow these steps:
Go to Accounts from the bottom navigation > Crypto > Cronos
Under CRO Stake, tap Unstake
Follow the on-screen instructions to complete the transaction
Here’s what each staking status means:
Status | Description |
Processing | Your unstaking request has been received by Crypto.com. |
Unbonding | Your stake is undergoing the unbonding process.
Note: The time required for unbonding depends on the network and is outside Crypto.com's control. |
Unstaked | Your assets are unstaked and have been returned to your Crypto Wallet. |
Is my CRO at risk while it’s staked in the Crypto.com App?
When participating in Level Up CRO Staking, your CRO is staked programmatically on the underlying blockchain via third-party node validators.
Please read the applicable Crypto.com App Terms and Conditions carefully regarding the risks of ‘slashing’. Slashing may occur when a validator representing your assets incorrectly validates or fails to validate a transaction. This can result in the non-payment of validation rewards and may subject your staked assets to a penalty.
We recommend conducting your own due diligence before making any decisions, including whether to participate in on-chain staking and related transactions.
What are the differences between CRO Lockup/Cardholder CRO Stake (legacy) for the Crypto.com Card and Level Up?
Cardholder CRO Staking (legacy) and CRO Lockup (legacy) were legacy programs required for users to reserve a Crypto.com Prepaid Card before 6 November 2024.
Level Up launched on 6 November 2024, allowing users to join by locking up or staking CRO, depending on their jurisdiction. Level Up users are not eligible for the legacy Cardholder CRO Staking (legacy) and CRO Lockup (legacy) programmes.
From 2 September 2025, users will have the option to subscribe to Level Up (Plus and Pro plans) or by locking up or staking their CRO. Cardholder CRO Staking (legacy) and CRO Lockup (legacy) will be transitioned to Level Up from this date. This means users with an existing lockup or stake will automatically qualify for a Level Up plan depending on the amount:
Level Up CRO Lockup
CRO Lockup Tier (Legacy) | Level Up Plan | CRO Lockup Rewards (Legacy) | Level Up CRO Lockup Rewards |
Midnight Blue | Basic | N/A | N/A |
Ruby Steel | Plus | N/A | N/A |
Jade Green/Royal Indigo | Pro | 4% | 4% |
Icy White/Frosted Rose Gold | Private - US$50,000 | 8% | 8.5% |
Obsidian | Private - US$500,000 | 8% | 9.5% |
Level Up CRO Staking
Cardholder CRO Staking Tier (Legacy) | Level Up Plan | Cardholder CRO Staking Rewards (Legacy) | Level Up CRO Staking Rewards* |
Midnight Blue | Basic | N/A | N/A |
Ruby Steel | Plus | N/A | N/A |
Jade Green/Royal Indigo | Pro | Up to 4% | Up to 4% |
Icy White/Frosted Rose Gold | Private - US$50,000 | Up to 8% | Up to 8.5% |
Obsidian | Private - US$500,000 | Up to 8% | Up to 9.5% |
For users who joined Level Up after 6 November 2024, there is no change to your CRO lockup/staking rewards. On 2 September 2025, the changes outlined above will be automatically applied.
*Staking rewards are determined by either the on-chain emission rate or the quoted rate above, whichever is lower.
Can I keep my Level Up CRO Lockup even if I am eligible for Level Up CRO Staking?
If you have an existing Level Up CRO Lockup (legacy), you can transition to Level Up CRO Staking for Level Up after your holding period by accepting the applicable terms and conditions.
If you choose not to accept the terms and conditions, you can keep your CRO Lockup; however, you will no longer receive rewards on the locked amount. Your other Level Up benefits will not be impacted.