Revised Changes to Crypto.com Visa Cards Update

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Crypto.com Visa Cards have become one of the most widely adopted crypto-reward credit card programs since their launch in November 2018. Available across 40 countries, these cards allow users to earn cryptocurrency rewards on everyday spending. To ensure long-term sustainability and continued value for users, Crypto.com introduced significant updates to its card rewards program effective June 1, 2022. These changes affect reward rates, staking benefits, and monthly earning caps.

This article breaks down the key revisions, explains how they impact cardholders, and explores strategies for maximizing benefits under the new structure.

Updated CRO Card Rewards Structure

One of the most impactful changes involves the adjustment of CRO Card rewards based on staking status. Starting June 1, 2022, cardholders must maintain an active 6-month CRO stake to qualify for enhanced reward rates. Those who had a qualifying stake active by May 31, 2022, at 23:59 UTC continue earning rewards at the previous rates until their 180-day staking period expires. After that, the updated rates apply.

Here’s a clear breakdown of the revised reward percentages:

Reward Rates Based on Card Tier and Staking Status

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This tiered system emphasizes the importance of staking CRO tokens to unlock higher cashback-like returns. Without an active stake, even premium cardholders receive minimal or no rewards on purchases.

Monthly CRO Rewards Cap Introduced

To balance scalability and incentive fairness, Crypto.com implemented a monthly cap on CRO rewards for certain card tiers. This means that once a cardholder reaches their monthly limit, no further CRO rewards are accrued until the next cycle.

Monthly Reward Caps (USD Equivalent)

Notably, Icy White, Frosted Rose Gold, and Obsidian cardholders are exempt from this cap, allowing unlimited CRO rewards each month—a major perk for high spenders and top-tier users.

The cap resets automatically at 00:00:00 UTC on the first day of every month. If you upgrade your stake or card tier mid-cycle, the higher cap applies immediately.

Additionally, some benefits do not count toward the monthly cap:

This exclusion ensures that core benefits remain valuable even under the new restrictions.

Changes to CRO Staking Rewards

Staking remains central to unlocking premium benefits. However, staking rewards were also revised for certain card tiers:

As with spending rewards, those who maintained a valid 6-month stake by May 31, 2022, retain the old rates until their current staking period ends.

These adjustments reflect a shift toward rewarding the highest-tier users more generously while streamlining returns for mid-tier participants.

Free Card Reissuance Benefit Extended

Good news for upgraders: Crypto.com temporarily waived the $50 card reissuance fee for users who move to a higher card tier by meeting the required CRO staking amount. This incentive encourages users to increase their stake without additional costs.

There is no announced end date for this waiver, making it a valuable opportunity for those planning to upgrade.

Continued Premium Card Benefits

Despite the changes, many beloved perks remain unchanged:

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To illustrate the real-world value, consider a Jade Green cardholder with an active CRO stake:

BenefitAnnual Value (USD)
Spotify Reimbursement$167.88
Netflix Reimbursement$167.88
LoungeKey Access (4 visits @ $32)$128.00
Total Annual Savings$463.76

Even with reduced spending rewards, these fixed benefits deliver substantial non-cashback value.

Frequently Asked Questions (FAQ)

Q: Do I still earn rewards if I don’t stake CRO?
A: Most card tiers offer zero rewards without an active 6-month CRO stake. Only Obsidian and Icy White/Frosted Rose Gold provide base rewards (2% and 1%, respectively) without staking.

Q: When does the monthly CRO reward cap reset?
A: The cap resets at exactly 00:00:00 UTC on the first day of each month.

Q: Can I exceed my monthly cap by upgrading mid-month?
A: Yes. If you upgrade your stake or card tier during the month, your new, higher cap applies immediately—no prorating needed.

Q: Are subscription reimbursements included in the monthly cap?
A: No. Reimbursements for Spotify, Netflix, Amazon Prime, Expedia, and Airbnb are excluded from the cap calculation.

Q: What happens if I restake at a lower tier after May 31?
A: You will not qualify for legacy reward rates. To maintain current benefits until your 180-day cycle ends, you must restake at the same or higher required amount.

Q: Is there any way to earn bonus CRO rewards now?
A: Yes. Promotional campaigns—like the Dosh partnership in the U.S.—offer additional bonus rewards outside regular caps.

Final Thoughts

While the changes to the Crypto.com Visa Card program mark a shift away from unlimited high-yield rewards, they promote a more sustainable model focused on long-term engagement. By prioritizing staked users and preserving key lifestyle benefits, Crypto.com continues to offer compelling value—especially for committed holders.

Cardholders should evaluate their spending habits, staking capacity, and subscription usage to determine whether maintaining a higher tier is worthwhile under the revised framework.

👉 Start building your crypto portfolio today and get ready for next-gen financial tools.

For official details and ongoing updates, always refer to Crypto.com's help center regarding Card Rewards and Benefits.

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