Crypto.com Review 2026: The Truth About the New Level Up Cards

Is the Crypto.com Visa Card still worth it in 2026? Yes, but mostly for users who treat it like a subscription service. With the new “Level Up” program launched in late 2025, you no longer have to stake thousands of dollars in CRO to get decent rewards. You can now pay a monthly fee (starting at $4.99) to unlock up to 3% cashback, zero trading fees, and rebates for Spotify, Netflix, and the new Truth+ service.

If you are looking to earn cash and crypto on your daily spending, this review breaks down exactly how the new system works, the hidden fees you need to watch out for, and whether the rewards actually add up.

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Level Up vs. The Old Metal Cards

If you remember the old “Ruby Steel” or “Jade Green” tiers, you need to reset your expectations. In late 2025, Crypto.com overhauled their entire system into a program called Level Up.

They still have the metal cards, but the way you get them has changed. You can now choose between locking up CRO (the old way) or paying a monthly subscription (the new way).

Here is the breakdown of the new 2026 tiers:

1. Basic (Free Tier)

• Old Equivalent: Midnight Blue
• Cost: Free
• Cashback: 0%
• Key Perks: None (Standard account features)

2. Plus (Entry Level)

• Old Equivalent: Ruby Steel
• Cost: $4.99/month (or ~$500 CRO lockup)
• Cashback: 2.0%
• Key Perks: Spotify Rebate (First 3 months)

3. Pro (The Sweet Spot)

• Old Equivalent: Jade Green / Royal Indigo
• Cost: $29.99/month (or ~$5,000 CRO lockup)
• Cashback: 3.0%
• Key Perks: Netflix, Spotify, & Truth+ Rebates (First 6 months)

4. Private (High Roller)

• Old Equivalent: Icy White / Rose Gold / Obsidian
• Cost: Requires $50,000+ CRO Lockup (No subscription option)
• Cashback: 4% – 8%
• Key Perks: Unlimited Rebates, Airport Lounge Access, Extra Earn Rewards

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Subscription vs. Staking

In 2026, the Subscription Model is actually a game-changer for casual users.

• If you pay $4.99/month for the Plus tier, you get 2% cashback. If you spend $500 a month on groceries and gas, you earn $10 back in CRO. You’ve already covered the subscription cost and made a $5 profit.
• You don’t have to worry about the price of CRO crashing and losing your $5,000 stake. You can just cancel the subscription if you stop using the card.

2026 Rewards: Truth+, Netflix, and Spotify

The rebates are the main reason most people get this card. In November 2025, Crypto.com added a new partner to the mix: Truth+.

Here is what you actually get reimbursed for:

• Spotify: Up to $13.99/month rebate in CRO.
• Netflix: Up to $13.99/month rebate in CRO (Pro & Private only).
• Truth+: Up to $9.95/month rebate in CRO (Started Nov 13, 2025).

On the Plus and Pro tiers, these rebates are temporary. You only get them for the first 3 or 6 months. To get unlimited permanent rebates, you have to be in the Private tier, which requires the massive $50,000+ lockup.

If you are a heavy user of these services, the Pro tier subscription ($29.99/mo) might seem steep, but if you max out the rebates (~$37 value), you are technically “up” by $7 before you even swipe the card. Just remember to downgrade or cancel after your 6-month benefit period ends if you aren’t spending enough to justify the fee.

The Hidden Fees

This is where the app can be frustrating. While Crypto.com advertises “Zero Trading Fees” for Plus and Pro members (up to $20k-$50k volume), there is a hidden cost called Spread.

• The App Spread: When you buy Bitcoin or Ethereum directly in the main Crypto.com App, the price is often 1% to 2% higher than the actual market price. When you sell, it’s lower.
• Real World Example: If Bitcoin is at $126,000, the app might ask you to pay $127,500. That difference goes straight to Crypto.com.

Don’t buy crypto in the main app. Download the Crypto.com Exchange app. Transfer your cash there (it’s free/instant between the apps) and buy using “Limit Orders.” You will save significantly on every purchase.

Crypto Earn in 2026

If you are looking to earn interest on your holdings, the Level Up program gave this a boost, specifically for cash.

• Cash Earn: Pro and Private members can now earn up to 5% p.a. on their idle cash (USD/EUR) balances. This competes directly with high-yield savings accounts.
• Crypto Earn: You can earn up to 8% p.a. on major coins like Polkadot (DOT) and decent rates on stablecoins (USDC), but the highest rates are strictly locked behind the Private tier.

For the average Plus ($4.99) user, the Earn rates are lower, usually hovering around 2-3% for major assets.

Final Verdict

Is Crypto.com Worth It?

You should get the Crypto.com Card if:

1. You want a simple crypto on-ramp: The app is one of the easiest ways to turn cash into crypto.
2. You spend <$1,000/month on cards: The Plus ($4.99) subscription is a low-risk way to get 2% cashback without locking up huge capital.
3. You use the rebates: If you already pay for Spotify and Truth+, the rebates essentially pay for the card subscription.

You should skip it if:

1. You hate “Spread”: If you are a day trader, the fees in the main app will eat your profits. Use a dedicated exchange instead.
2. You want permanent perks: Having the rebates expire after 6 months on the mid-tier cards is a bummer compared to the old system.

Crypto.com has matured from a “get rich quick” crypto casino into a legitimate financial app. The Level Up program is safer for the average person because it removes the requirement to gamble on the price of CRO just to get a debit card.

Yhang Mhany

Founder & Lead Investigator at EarnMoreCashToday

I’m Yhang Mhany, a Ghanaian IT professional and blogger with over four years in the tech industry. I investigate online platforms to separate the scams from the real opportunities. My mission is to build EarnMoreCashToday to save humanity from scams.

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