Crypto.com Card — Midnight Blue (US)
The US Midnight Blue prepaid Visa uses a topped-up card balance. This listing uses the US entry tier; other regions and paid plans have different terms.
US Midnight Blue: $4.99 physical issuance; 3% non-USD fee. $5.95 monthly inactivity fee after 12 months without qualifying activity.
The signup button uses a referral link supplied by the site owner. Referral code: cfm9aww4a2.
Scope of this review
This review covers the US Midnight Blue prepaid Visa, not Crypto.com’s credit card or higher subscription tiers. Purchases use a topped-up card balance. Midnight Blue requires neither a subscription nor a CRO lockup, but it pays no everyday CRO rewards.
Fees to weigh
The US physical card costs $4.99. Non-USD purchases and withdrawals incur a 3% fee, and top-up costs depend on the funding method. After 12 months without qualifying activity, the monthly inactivity charge is $5.95 under the fee schedule effective September 1, 2026.
Who should consider it
Midnight Blue is an entry option for users who want a prepaid card without paying for a rewards tier. Its lack of everyday cashback and foreign transaction charges make the higher-tier marketing figures a poor guide to this plan. Check the local card schedule if you live outside the US.
What you earn and pay
0% everyday CRO rewards on Midnight Blue. Paid or CRO-backed tiers have separate reward terms.
What stands out
Prepaid Visa
Virtual and physical cards
US virtual cards support Apple Pay and Google Pay
No subscription or CRO lockup for Midnight Blue
Virtual card usable after approval and top-up
−No everyday cashback on the entry tier
−Foreign transaction and inactivity fees
−Top-up charges depend on funding method