Crypto.com Visa Card (EEA) vs Keytom Card
Crypto native
Crypto native
Verdict
- Keytom Card scores higher overall (6.1 vs 6.0 out of 10).
- Crypto.com Visa Card (EEA) is clearly stronger on: Fees, FX & international, Product features.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Crypto.com Visa Card (EEA) is a good fit for
- No specific audience can be derived from the published data yet.
Stronger on: Fees, FX & international, Product features
Keytom Card is a good fit for
- No specific audience can be derived from the published data yet.
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Crypto.com Visa Card (EEA) | Keytom Card |
|---|---|---|
| Fees | 87 | 76 |
| Cashback & rewards | 9 | – |
| Availability | 100 | 100 |
| FX & international | 20 | 6 |
| Product features | 70 | 56 |
| Custody & security | 75 | – |
| Credit & financing | 30 | 30 |
| Limits & ATM | 64 | 60 |
| Transparency | 100 | 100 |
| Best for Cashback | 4.4 | n/a |
| Best for Travel | 5.3 | 4.8 |
| Best for DeFi Users | 5.5 | 5.2 |
| Best for High Spenders | 3.8 | 4.9 |
| Best for Low Fees | 6.9 | 6.0 |
| Best for Beginners | 7.8 | 7.4 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Prepaid cardShow source
Network
VisaShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Prepaid card: crypto is converted to fiat before it is loaded; card balance is e-money at Foris MT Limited
Card issuer / program manager
Foris MT Limited (Malta)Show source
Tiers / plans
Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
Fees
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free tier; paid tiers from €3.99/month (€39.90/year) to €24.99/month, or unlocked via 12-month CRO staking
Physical card fee
€4.99Conditions apply: tap or hover for detailsShow source
Midnight/Basic tier; Ruby €24.99 or free depending on Level Up plan/stake
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Free to open
Replacement fee
€45.01Conditions apply: tap or hover for detailsShow source
Midnight; other tiers €50
FX fee
2%Conditions apply: tap or hover for detailsShow source
Midnight/Basic: 2.0% outside EU & UK, 0.2% within EU & UK; Ruby: 0.2% in EU/UK, outside free up to €400/month then 2%; Jade/Indigo free up to €800/month then 2%; higher tiers no fee (effective 1 Oct 2026)
2.35%Conditions apply: tap or hover for detailsShow source
Total fee on non-USD card payments, min 0.66 USDC
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Card payments in USD, min 0.66 USDC
Top-up fee
1%Conditions apply: tap or hover for detailsShow source
Only for top-ups with debit/credit card; minimum top-up €20
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Above the monthly free ATM limit; ATM provider surcharges may apply
2%Conditions apply: tap or hover for detailsShow source
USD, min 0.66 USDC; non-USD 3.35%
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Free tier, per month; €400 Ruby Steel, €800 Jade Green/Royal Indigo and Icy White/Rose Gold, €1,000 Obsidian
Other fees & markups
Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
Virtual card issuing free · Physical card delivery 50 USDC · Card monthly fee 10 USDCConditions apply: tap or hover for detailsShow source
Charged in USDC
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free tier
Max cashback
4.5%Conditions apply: tap or hover for detailsShow source
Highest tier; monthly caps apply by tier
Cashback paid in
CROShow source
Cashback type
Platform tokenShow source
Cashback-eligible spend cap
$750/monthConditions apply: tap or hover for detailsShow source
Monthly spend eligible for rewards: Basic N/A, Plus USD 750, Pro USD 1,500, Icy/Rose USD 3,000 (0.5% thereafter), Obsidian USD 5,000 (1.0% thereafter)
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher tiers via subscription or 12-month CRO staking
Staking asset
CROShow source
Capital required for top rewards
€450,000Conditions apply: tap or hover for detailsShow source
Obsidian tier (4.5%); 12-month lockup
Reward exclusions
Certain merchant categories or channels are excluded from CRO RewardsShow source
Credit & financing
Credit line
NoConditions apply: tap or hover for detailsShow source
prepaid card, must be topped up
NoConditions apply: tap or hover for detailsShow source
Credit BIN but spends own balance
Availability
Available in
EEAShow source
GlobalConditions apply: tap or hover for detailsShow source
Residents of 150+ countries
Account / spend currencies
EURShow source
USDConditions apply: tap or hover for detailsShow source
Card denominated in USD, spends from USDC balance
Own IBAN / bank details
YesShow source
Features
Apple Pay
YesConditions apply: tap or hover for detailsShow source
EU: available; not available in UK or Bahrain
NoConditions apply: tap or hover for detailsShow source
Not available yet
Google Pay
YesConditions apply: tap or hover for detailsShow source
EU: Google Wallet available, Samsung Wallet not available
YesConditions apply: tap or hover for detailsShow source
Virtual card
Physical card
YesShow source
Virtual card
YesShow source
ATM withdrawals
YesShow source
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Not included on the entry tier (Midnight Blue); only higher tiers (Jade Green/Royal Indigo with annual subscription, capped 2x/year; Icy White/Rose Gold/Obsidian)
Limits
ATM limit
€2,000Conditions apply: tap or hover for detailsShow source
Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day
$3,000Conditions apply: tap or hover for detailsShow source
Per day; $10,000 per month
Spending limit
€25,000Conditions apply: tap or hover for detailsShow source
Daily €25,000, monthly €25,000, yearly €250,000; card max balance €25,000
$150,000Conditions apply: tap or hover for detailsShow source
Per transaction
Security & custody
Regulation / licences
Foris MT Limited: electronic money institution authorised by the Malta Financial Services Authority · Foris DAX MT Limited: MiCA crypto-asset service provider authorised by the MFSAShow source
FINTRAC MSB registry (Canada) No. M21788474Conditions apply: tap or hover for detailsShow source
KEYTOM SERVICES LTD
Annual cost at 1,500 EUR/month
Crypto.com Visa Card (EEA)
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-72 EUR
Keytom Card
- Annual & monthly feesunknown
- FX costs−85 EUR
- Crypto conversion–
- ATM costs−24 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers