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Crypto.com Visa Card (EEA) vs SafePal Mastercard

Crypto.com Visa Card (EEA)

Crypto native

6.1
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SafePal Mastercard

Crypto native

6.5
Get the card

Verdict

  • SafePal Mastercard scores higher overall (6.5 vs 6.1 out of 10).
  • SafePal Mastercard is clearly stronger on: Fees.
  • 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.

SafePal Mastercard is a good fit for

  • Stablecoin holders

Stronger on: Fees

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesCrypto.com Visa Card (EEA) vs ether.fi CashSafePal Mastercard vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionCrypto.com Visa Card (EEA)SafePal Mastercard
Fees87100
Cashback & rewards9–
Availability100–
FX & international–60
Product features7070
Custody & security––
Credit & financing3030
Limits & ATM64–
Transparency100100
Best for Cashback4.4n/a
Best for Travel6.36.6
Best for DeFi Users4.96.0
Best for Stablecoinsn/a7.2
Best for High Spenders4.26.1
Best for Low Fees7.68.3
Best for Beginners7.67.5

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
Debit cardShow source

Network

VisaShow source
MastercardShow source

Card issuer / program manager

Foris MT Limited (Malta)Show source
Fiat24 (Swiss IBAN account and fiat gateway; compliance and licensing)Conditions apply: tap or hover for detailsShow source

Offered in collaboration with SafePal; the page does not name the card issuer separately

Tiers / plans

Basic (previously Midnight) · Plus (previously Ruby) · Pro (previously Jade/Indigo) · Private (previously Icy/Rose/Obsidian)Show source
No data yet

Fees

Annual fee

No data yet
FreeShow source

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

FreeShow source

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

No data yet

Replacement fee

€45.01Conditions apply: tap or hover for detailsShow source

Midnight; other tiers €50

No data yet

FX fee

No data yet
1%Conditions apply: tap or hover for detailsShow source

Card payments settled in non-USD currencies

Top-up fee

1%Conditions apply: tap or hover for detailsShow source

Only for top-ups with debit/credit card; minimum top-up €20

FreeConditions apply: tap or hover for detailsShow source

Standard deposit/top-up fee; crypto swaps carry a spread and gas fees

ATM fee

2%Conditions apply: tap or hover for detailsShow source

Above the monthly free ATM limit; ATM provider surcharges may apply

No data yet

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

No data yet

Transfer fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Transfers to external banks; other banks may charge

Other fees & markups

Inactivity fee €6 per month after 12 months without card activity (€5 before 1 Oct 2026) · Account closure fee €50Show source
Refund processing fee 1 USD / 1 EUR / 1 CHF / 7 CNH per refund, depending on payment currency · Gas fees on blockchain transactionsConditions apply: tap or hover for detailsShow source

Gas fees: the page states all financial transactions are conducted on the blockchain, which will result in gas fees

Cashback & rewards

Base cashback

0%Conditions apply: tap or hover for detailsShow source

Free tier

No data yet

Max cashback

4.5%Conditions apply: tap or hover for detailsShow source

Highest tier; monthly caps apply by tier

No data yet

Cashback paid in

CROShow source
No data yet

Cashback type

Platform tokenShow source
No data yet

Staking / holding required for top rewards

YesConditions apply: tap or hover for detailsShow source

Higher tiers via subscription or 12-month CRO staking

No data yet

Staking asset

CROShow source
No data yet

Capital required for top rewards

€450,000Conditions apply: tap or hover for detailsShow source

Obsidian tier (4.5%); 12-month lockup

No data yet

Reward exclusions

Certain merchant categories or channels are excluded from CRO RewardsShow source
No data yet

Credit & financing

Credit line

NoConditions apply: tap or hover for detailsShow source

prepaid card, must be topped up

NoShow source

Availability

Available in

EEAShow source
No data yet

Account / spend currencies

EURShow source
USD · EUR · CHF · CNHShow source

Own IBAN / bank details

No data yet
YesConditions apply: tap or hover for detailsShow source

Swiss IBAN via Fiat24

Features

Apple Pay

YesConditions apply: tap or hover for detailsShow source

EU: available; not available in UK or Bahrain

YesShow source

Google Pay

YesConditions apply: tap or hover for detailsShow source

EU: Google Wallet available, Samsung Wallet not available

YesShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
No data yet

Spend stablecoins

No data yet
YesConditions apply: tap or hover for detailsShow source

Crypto is topped up as USDC

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)

No data yet

Blockchains

No data yet
ArbitrumShow source

Limits

ATM limit

€2,000Conditions apply: tap or hover for detailsShow source

Daily; monthly €10,000, yearly €75,000; max 3 withdrawals per day

No data yet

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

€5,000Conditions apply: tap or hover for detailsShow source

Per day; contactless 1,600 EUR per day

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
No data yet

Annual cost at 1,500 EUR/month

Crypto.com Visa Card (EEA)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+0 EUR
  • Net annual valuenot enough data

SafePal Mastercard

  • Annual & monthly fees+0 EUR
  • FX costs−36 EUR
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Crypto.com Visa Card (EEA) comparisons

More SafePal Mastercard comparisons