Our Official Verdict
Free Entry: Zero Annual Fee & Global Visa Access
The Basic card is a functional off-ramp but offers 0%% rewards. It's best used as a backup card for ATM access or simple fiat conversion.
Overview
The Basic tier provides card utility and $200/mo free ATM withdrawals but does not offer spending rewards.
Fees & Charges
Annual Fee
Free
FX Fee
0%
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USD, CRO, BTC, ETH, USDT, USDC
Basic (Midnight Blue) Review
The Crypto.com Basic Card (formerly Midnight Blue) is the entry-level tier of the ecosystem, designed for users who want card utility without monthly subscription fees or token lock-ups.
Tier Snapshot
- Reward Rate: 0% CRO rewards.
- Subscription Fee: $0 (Free).
- CRO Staking Requirement: None.
- Free ATM Withdrawals: $200 USD per month.
- ATM Withdrawal Cap: $5,000 USD per month.
- Top-up Limit: $25,000 USD per month.
Role within the ecosystem
As of the January 2026 restructuring, the Basic card has been repositioned as a "Utility-Only" tier. Previously, some versions of this tier offered small reward percentages, but the new rules have standardized the Basic tier at 0% rewards. It is now best used as a backup off-ramp or for users who simply want to spend their crypto in the real world without managing a rewards program.
Rewards and limitations
The primary limitation of the Basic card is the lack of a rewards engine. Unlike the Plus and Pro tiers, which allow users to "buy into" rewards via a monthly fee, the Basic card is permanently capped at 0%. There are no subscription rebates (like Spotify or Netflix) associated with this tier.
Fees and limits
The Basic card remains one of the most accessible cards in terms of maintenance costs. There is no annual fee and no monthly subscription charge. It includes $200 per month in free ATM withdrawals, with a 2% fee applying thereafter.
Verdict
The Crypto.com Basic card is a functional tool for spending digital assets, but it is no longer a rewards product. It fits users who prioritize simplicity and zero overhead. If you are looking to earn cashback or rebates, you must upgrade to at least the Plus tier and commit to either a monthly fee or a CRO stake.
Fees and break-even math
No subscription fee or staking required. 0% reward rate means there is no break-even spend; the card is purely a utility off-ramp. All figures are sourced from the official Jan 2026 Crypto.com card terms.
Competitor comparison
For zero-fee entry cards with higher utility, compare against the Coinbase Card (US) or the Tria Virtual Card, both of which may offer non-zero rewards on entry-level tiers.
