“Spend like normal. Earn like a crypto investor.”
Introduction – Why I Started Using Crypto.com
Crypto.com Review, When I first tried Crypto.com, I wasn’t looking for another trading platform — I just wanted a debit card that gave me something better than 1% cashback.
What I didn’t expect was how smooth the experience would be. The Crypto.com Visa Card gives cashback in CRO, their native cryptocurrency, which you can:
- Hold and watch grow in value,
- Swap instantly for Bitcoin or Ethereum,
- Or convert back to GBP with a few taps.
It’s one of those rare fintech tools that feels both futuristic and genuinely useful day-to-day.
🔹 The Setup – Simple, Secure, and Fast
Setting up the Crypto.com account was surprisingly quick:
- Download the app (iOS or Android).
- Verify your ID (takes about 5–10 minutes).
- Choose your Visa Card tier (based on how much CRO you stake).
- Once approved, you can start using the virtual card immediately — and the metal card arrives in around a week.
The whole process feels as polished as Monzo or Revolut, but with that extra crypto layer sitting quietly behind the scenes.
🔹 Daily Use – Where the Card Shines
I started using my Crypto.com Visa for:
- Fuel & groceries
- Amazon & eBay purchases
- Streaming services like Netflix and Spotify
Every single transaction automatically earns cashback in CRO, credited instantly to your wallet.
Even the free Ruby Steel tier gives 1% cashback, while higher tiers (with CRO staked) can earn 2–5% and additional perks like:
- Free Spotify / Netflix
- Airport lounge access
- Higher interest on savings
It feels like a real-world rewards program — except you’re earning digital assets instead of air miles.
🔹 The CRO Cashback – Small Earns, Big Potential
Every time I tap my card, a notification pops up:
“You earned 0.12 CRO on your £12.00 purchase.”
It might seem small, but here’s where it gets interesting:
- CRO can appreciate in value over time.
- You can swap CRO for BTC, ETH, or stablecoins within seconds in the app.
- You can even stake CRO for extra rewards (up to 8–10% p.a. in some tiers).
It’s like turning every coffee or Amazon order into an investment, without doing anything extra.
🔹 App Experience – Clean, Feature-Rich, and Fast
Crypto.com’s app UI is a huge win. You can:
- Track your cashback earnings
- View your CRO balance and exchange rates
- Swap crypto instantly (no external exchange required)
- Buy or sell over 250 coins with a debit card or bank transfer
- Set up price alerts for Bitcoin, Ethereum, and others
The “Crypto Earn” and “Missions” sections add a little gamification — complete tasks, learn, and get small CRO rewards.
🔹 Security & Peace of Mind
Security-wise, Crypto.com takes it seriously:
- 2FA required for every withdrawal
- App-based biometric authentication
- FDIC-insured fiat balances (for USD users)
- Cold storage for 100% of crypto funds via Ledger Vault
For UK and EU users, card transactions are processed through Visa’s regulated framework, so spending feels as secure as any bank card.
🔹 Downsides? A Few, But Manageable
To keep it balanced:
- You’ll need to stake CRO to unlock the best rewards tiers (your funds are locked for 6 months).
- Exchange rates within the app can include small fees compared to Binance or Coinbase.
- If CRO’s value dips, your cashback’s GBP equivalent decreases.
But honestly, these are fair trade-offs considering the overall experience.
🔹 Why It’s Great for New Crypto Users
If you’re new to crypto, Crypto.com is the perfect starting point:
- No complex wallets to manage
- You earn and hold crypto just by spending normally
- The app walks you through buying, swapping, and tracking without confusion
It bridges traditional banking and digital finance better than any other platform right now.
🔹 Final Thoughts – My Verdict After 12 Months
Using the Crypto.com Visa has made me rethink everyday spending.
It’s not just cashback — it’s a way to passively build a crypto portfolio while doing what you already do.
✅ Easy setup
✅ Instant cashback in CRO
✅ Great app experience
✅ Serious security
✅ Real rewards that can grow
If you like fintech innovation, clean UI, and earning something real with every purchase, the Crypto.com card is genuinely worth trying.
Rating: ⭐️⭐️⭐️⭐️⭐️ (5/5)
“It’s the most fun I’ve ever had using a debit card.”
