tl;dr: Crypto.com is the everything app of crypto: 400+ coins, a Visa credit card, stocks, prediction markets and a separate Exchange in one ecosystem. The catch is cost. Simple app buys hide their fee in the spread, and the credit card’s best rates (up to 6%) require a Level Up subscription or a large CRO lockup. Use the Exchange for regular buying. Last verified November 14, 2026. See how we review
Crypto.com Visa credit card tiers
What Is Crypto.com?
Crypto.com: The Everything App of Crypto
Crypto.com is a crypto platform founded in 2016 and run in the US by Foris DAX. It offers the main Crypto.com App for buying crypto, a separate Exchange for lower-fee trading, a Visa Signature credit card, stocks, CFTC-regulated prediction markets and a self-custody wallet. In February 2026 the OCC gave it conditional approval for a national trust bank charter.
Key numbers (as of November 2026):
App buys: the fee is built into the spread
Exchange: 0.25% maker / 0.50% taker under $10,000 of monthly volume
Visa Signature credit card: $0 annual fee, 1.5% back on the free tier, up to 6% with Level Up
Prediction markets: $0.02 per contract on crypto and index contracts
Coins: 400+
Tell me more...
Crypto.com Features and Benefits
1. How much does buying crypto in the Crypto.com App cost?
More than it looks. The app shows no separate trading fee; the cost sits in the spread between the buy and sell price.
Independent estimates put the spread at roughly 0.5% to 2% or more.
Card purchases add more, so fund with a bank transfer.
2. Is the Crypto.com Exchange cheaper?
Yes. The Exchange is a separate app with an order book, and it starts at 0.25% maker and 0.50% taker.
Holding 50,000+ CRO drops maker fees to 0% and cuts taker fees by 12%.
It adds DCA, Grid and TWAP trading bots and advanced order types.
3. Is the Crypto.com Visa credit card worth it?
For crypto fans, yes. In the US it is a Visa Signature credit card with no annual fee that pays 1.5% back in CRO or BTC on the free Basic tier.
Paid tiers raise it: 3.5% for $4.99 a month (or a $500 CRO lock) and 4.5% for $29.99 a month (or $5,000 CRO).
BTC rewards are capped by monthly spend ($250 on Basic); CRO rewards are not, but CRO is volatile.
The Crypto.com Visa card (Pro tier)
4. Can you trade stocks on Crypto.com?
Yes. Crypto.com lists stocks and ETFs next to crypto in the same app.
Good for keeping everything in one place.
5. What are Crypto.com prediction markets?
US users can trade CFTC-regulated event contracts on sports, politics, economics and markets through Crypto.com | Derivatives North America.
Crypto and index contracts cost $0.02 each; sports contracts use a price-based fee.
These are derivatives, and you can lose your whole stake.
6. Does Crypto.com have a wallet?
Yes. The Onchain Wallet is a separate self-custody app and browser extension.
You hold your own keys, so Crypto.com can’t recover a lost recovery phrase.
Moving coins off the exchange costs a network fee.
Ready to try Crypto.com?
Want crypto, a card, stocks and predictions in one app? Sign up for Crypto.com through our link.
Pros and Cons of Crypto.com
Pros
400+ coins, one of the widest selections in the US.
Crypto, stocks, prediction markets and a credit card in one ecosystem.
The Exchange is cheap once you hold CRO or trade volume.
A no-annual-fee Visa Signature credit card that pays 1.5% on the free tier.
A conditional OCC trust bank charter (February 2026).
Cons
App buys hide a spread that independent reviews put at 0.5% to 2% or more.
The card’s top rates need a subscription or a large CRO lock, and rewards are paid in crypto.
The best perks depend on CRO, a volatile token.
Two separate apps, the App and the Exchange, to learn.
Crypto.com’s User Experience
Crypto.com App: Polished and fast for buying, the card and prediction markets.
Crypto.com Exchange: A separate app and website with charts, order books and trading bots.
Support: In-app support and a help center.
Is Crypto.com Safe?
Crypto.com is one of the more heavily licensed crypto platforms in the US, but crypto held there is not insured like a bank deposit.
Regulation: Foris DAX is a licensed money transmitter (NMLS 1966158), prediction markets are CFTC-regulated, and an OCC trust bank charter is conditionally approved.
Crypto: Not FDIC- or SIPC-insured. Crypto.com publishes Proof of Reserves.
Account security: Turn on two-factor authentication and withdrawal allowlists.
Who Should Use Crypto.com?
Best for:
Crypto users who want one app for coins, card, stocks and predictions.
Active traders willing to use the Exchange and hold CRO.
Altcoin buyers who want a wide coin list.
Not ideal for:
Crypto.com Alternatives Worth Exploring
Platform | Best For | Entry trading fee | Card | Stocks |
|---|---|---|---|---|
Crypto.com | All-in-one crypto app | App: spread; Exchange 0.25% / 0.50% | 1.5%–6% credit card | Yes |
Active traders | Pro 0.40% / 0.80% | No | Yes | |
Beginners | Advanced 0.60% taker | See review | Yes | |
Regulation-first holders | ActiveTrader 0.60% / 1.20% | 4% gas card, no fee | Yes | |
Stocks plus crypto | See review | See review | Yes |
Comparing more options? See our Best Crypto Exchanges & Apps (2026) ranking.
Lowcountry Ledger’s Take: Crypto.com has the widest menu in US crypto, and its Exchange is cheap once you know to use it. It shines for people who want crypto, a card, stocks and predictions in one place. To keep costs down, place regular buys on the Exchange rather than the main app, and weigh whether a Level Up tier pays for itself before you subscribe.
Ready to try Crypto.com?
Download the app and sign up through our link.
Crypto.com & Crypto Glossary
Key terms
Spread: the gap between the buy and sell price; the app’s hidden cost.
Maker and taker: a maker adds a limit order to the book; a taker fills one and pays more.
CRO: Crypto.com’s own token, used to unlock lower fees and card tiers.
Level Up: Crypto.com’s membership program that sets your card rewards and perks.
Lockup: committing tokens for a set period, here 12 months, to earn perks.
Event contract: a derivative that pays out on a yes or no outcome.
Self-custody wallet: you hold the keys, not the exchange.
Crypto.com FAQ
1. Is Crypto.com safe?
Its US operator, Foris DAX, is a licensed money transmitter, its prediction markets are CFTC-regulated, and it has a conditional OCC trust charter. Crypto held there is not FDIC- or SIPC-insured.
2. What are Crypto.com’s fees?
App buys carry a spread instead of a listed fee. The Exchange starts at 0.25% maker and 0.50% taker under $10,000 of monthly volume.
3. Does the Crypto.com card have a fee?
The US Visa Signature credit card has no annual fee and pays 1.5% back on the free Basic tier; paid Level Up tiers raise it to as much as 6%.
4. Crypto.com App or Exchange?
The Exchange is cheaper and more powerful; the App is simpler. If you buy often, use the Exchange.
5. Can I trade stocks on Crypto.com?
Yes, stocks and ETFs sit next to crypto in the app.
6. Does Crypto.com offer prediction markets in the US?
Yes, CFTC-regulated event contracts on sports, politics, economics and markets.
7. Crypto.com or Coinbase?
Crypto.com has more coins and a cheaper Exchange; Coinbase is simpler for beginners.
8. Does Crypto.com report to the IRS?
Yes. Brokers report digital-asset sales on Form 1099-DA, and you owe tax on gains either way.
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