Our Official Verdict
The Lifestyle Sweet Spot: 10% APY + 3% Cashback + Lounges
For many, the Pro (Royal Indigo / Jade Green) is the sweet spot. It offers a solid 3%% rate and the highly coveted Lounge access. Whether you pay $299.9 or lock up $4,000 in CRO, the lifestyle perks deliver massive ROI for frequent travelers.
Overview
Earn 3% back in CRO (capped at $75/mo) plus Airport Lounge access for annual subscribers.
Fees & Charges
Annual Fee
$299.9
FX Fee
0%
ATM Fee
TBD
Requirements
Supported Regions
GLOBAL
Spendable Assets
USD, CRO, BTC, ETH, USDT, USDC
Pro (Royal Indigo / Jade Green) Review
The Crypto.com Pro Card (formerly Royal Indigo or Jade Green) is the mid-tier anchor of the program, offering 3% CRO rewards and premium perks like airport lounge access for active subscribers.
Tier Snapshot
- Reward Rate: 3% CRO (requires active stake/subscription).
- No-Stake Reward Rate: 0%.
- Subscription Fee: $29.99/month or $299.90/year.
- CRO Staking Requirement: $4,000 (12-month lockup).
- Monthly Rewards Cap: $75.
- Lounge Access: 4 visits/year (requires annual subscription or stake).
- Subscription Rebates: 6 months of Spotify, Netflix, and Truth+.
Subscription fee / lockup details
The Pro tier requires a significant commitment: either a $29.99/mo subscription or a $4,000 CRO stake (12-month lockup). Like the Plus tier, failing to maintain either will revert your rewards to 0%.
Rewards and caps
The 3% CRO reward rate is capped at $75 per month. This is a competitive ceiling for most power users, but it still requires a high spend volume to justify the $29.99 monthly cost.
Break-even math
To justify the $29.99 monthly subscription fee through rewards alone, you must spend at least $1,000 per month on eligible purchases ($1,000 x 0.03 = $30). If your monthly spend is consistently lower than this, the Plus tier is a more efficient financial choice.
Who this tier fits
Pro is best suited for users who value the combination of 3% cashback and the 6-month subscription rebates. The inclusion of 4 lounge visits per year (for annual subscribers) adds a layer of travel utility that the lower tiers lack.
Verdict
The Crypto.com Pro card remains a solid "Upper-Mid" product, but the shift to a subscription model means it is no longer a "set and forget" asset. Users must be active spenders to reap the benefits.
Fees and break-even math
Subscription fee: $29.99/month or $299.90/year; CRO staking alternative: $4,000 for 12 months. Reward rate is 0% if subscription/stake is inactive. All figures are sourced from the official Jan 2026 Crypto.com card terms.
Competitor comparison
Compare against the Coinbase One or Ether.fi Cash, both of which target a similar "Power User" demographic with different fee and custody models.
