How Much Does the Level Up Programme Cost?
The programme offers flexible pricing that suits different types of users. The Basic tier is completely free and gives you access to zero trading fees. For enhanced benefits, you can either pay a monthly subscription or lock up CRO cryptocurrency for 365 days.
What Are the Subscription Prices in the UK?
Users can subscribe to the Plus tier for $4.99 per month, which provides immediate access to 2% cashback without needing to buy any cryptocurrency. The Pro tier costs $29.99 monthly. The Private tier doesn't offer a subscription option and requires a substantial CRO lockup instead.
What's the Alternative to Paying a Subscription?
Instead of paying monthly, you can lock up CRO tokens for 365 days to access the same tier benefits. The amount required varies by tier, with higher tiers requiring larger lockups. This option appeals to existing CRO holders who want to access enhanced benefits without ongoing subscription payments.
| Factor | Subscription | CRO Lockup |
|---|---|---|
| Commitment | Monthly (cancel anytime) | 365 days (locked period) |
| Upfront Cost | Low ($4.99-$29.99/month) | High (substantial CRO amount) |
| Additional Rewards | None | Weekly CRO rewards |
| Price Exposure | None (fiat payment) | Subject to CRO price fluctuations |
| Best For | Testing the service, flexibility | Long-term CRO holders |
Is the Subscription Model Better Than CRO Lockup?
It depends on your situation. The subscription model offers flexibility — you can cancel anytime and aren't exposed to CRO's price movements. However, if you already hold CRO or believe in its long-term value, the lockup option lets you access benefits without ongoing monthly payments.
What Benefits Do You Get with Each Tier?
Each tier unlocks different benefits, with cashback being the primary draw. The programme also includes travel perks, entertainment rebates, and fee waivers that become more attractive as you move up the tiers. Here's what you actually get at each level.
What Cashback Rates Can You Earn?
Basic tier users receive 0% cashback — the main benefit here is zero trading fees. Plus tier gets 2% back in CRO on all card spending. Pro tier earns 3% cashback. Private tier members receive 4% cashback with a US$50,000 CRO lockup, or 5% cashback with a US$500,000 CRO lockup.
Do You Get Airport Lounge Access?
Pro tier members receive four complimentary airport lounge visits per calendar year through Priority Pass membership. Private tier members get unlimited lounge access for themselves plus one guest. You'll need to register using a unique invitation code provided through the Crypto.com app and access lounges via the Priority Pass mobile app.
| Benefit | Basic | Plus | Pro | Private |
|---|---|---|---|---|
| Card Cashback | 0% | 2% | 3% | 4-5% |
| Trading Fees | Zero | Zero | Zero | Zero |
| Airport Lounges | None | None | 4 visits/year | Unlimited + guest |
| Entertainment Rebates | No | No | Yes | Yes |
| FX Fees | Zero | Zero | Zero | Zero |
What Entertainment Subscriptions Are Included?
Pro and Private tier members receive CRO rebates on entertainment subscriptions including Netflix and Spotify. The rebates are capped at certain monthly amounts and you need to use your Crypto.com Visa Card as the payment method. Rebates get credited to your wallet monthly in CRO.
Are There Free ATM Withdrawals?
Yes, all tiers include free monthly ATM withdrawals with limits that increase as you move up tiers. After exceeding your monthly limit, a 2% fee applies on the excess amount. Note that ATM providers may charge their own surcharge fees separately, which count towards your withdrawal limit.
Which Tier Offers the Best Value for Money?
The Pro tier at $29.99/month appears to offer the best balance for regular spenders. If you spend $1,000 monthly on your card, the 3% cashback ($30) already covers the subscription cost. Add four airport lounge visits and entertainment rebates, and the value proposition becomes quite strong for frequent travellers.
How Does the Crypto.com Visa Prepaid Card Work?
The Crypto.com Visa Card is a prepaid card, not a debit card linked to your bank account. You need to load funds onto the card before spending. When you make a purchase, you instantly earn cashback rewards in CRO based on your Level Up tier.
Who Issues the Card and Is It Registered?
The Crypto.com Visa Card is provided and issued by a UK electronic money institution. Customer funds are held in safeguarding accounts, offering protection if the card issuer becomes insolvent.
How Do You Top Up the Card?
You convert cryptocurrency to your local fiat currency within the Crypto.com app, then load that balance onto your prepaid card. The platform supports over 100 cryptocurrencies for conversion. Unlike some competitors, Crypto.com doesn't auto-convert at point of sale — you handle the conversion beforehand, giving you control over when you sell your crypto.
Can You Use the Card Abroad Without Fees?
Yes, all Level Up tiers include zero foreign exchange fees on international purchases. The card uses transparent currency conversion rates without hidden markups. With Visa acceptance at over 90 million merchants worldwide, you can use your Crypto.com card anywhere Visa is accepted while earning your tier's cashback rate.
What Are the Advantages of the Level Up Programme?
Flexible Access Without CRO Commitment
The subscription model removes the traditional barrier of needing to hold large amounts of CRO. You can access Plus and Pro tier benefits by paying a monthly fee in fiat currency, with the ability to cancel anytime. This makes the programme accessible to users who want card rewards without cryptocurrency exposure.
Competitive Cashback Rates
The cashback rates of 2-5% are competitive compared to traditional rewards cards in the UK market. At the Pro tier, the 3% cashback can offset the $29.99 monthly subscription with just $1,000 in monthly spending, making it cost-effective for regular card users.
Zero Trading and FX Fees Across All Tiers
Even the free Basic tier includes zero platform trading fees and zero foreign exchange fees on international purchases. This makes the programme attractive for both active traders and frequent travellers, regardless of which tier they choose.
Travel Perks at Higher Tiers
Pro tier members receive four complimentary airport lounge visits per year, while Private tier members get unlimited lounge access with a guest. Combined with zero FX fees, the card becomes a strong travel companion for frequent flyers.
What Are the Drawbacks of the Level Up Programme?
CRO Price Volatility Risk
If you choose the CRO lockup option, you're exposed to price volatility. A drop in CRO's value means your locked funds are worth less in fiat currency terms. Additionally, since cashback rewards are paid in CRO, the actual value you receive fluctuates with the token's market price.
Spending Restrictions and Limitations
The prepaid card model means you can only spend what you've loaded onto the card — there's no overdraft facility. Certain merchant categories are excluded from earning rewards. Benefits are also subject to regional availability, and some perks like entertainment rebates have monthly caps that limit how much you can claim back.
Prepaid Card Requires Manual Top-Up
Unlike a traditional debit card linked to your bank account, the Crypto.com Visa Card requires you to manually convert and load funds before spending. This extra step may be inconvenient for users accustomed to seamless bank account integration.
Crypto.com Level Up Fees and Costs
The Level Up programme is designed with a transparent fee structure. There are no hidden charges on the card itself, though subscription costs and potential ATM fees should be factored into your decision.
Subscription Costs
The Basic tier is completely free. The Plus tier costs $4.99 per month and the Pro tier costs $29.99 per month. Both subscriptions can be cancelled at any time. The Private tier is only accessible through a CRO lockup of US$50,000 or more.
Card and Transaction Fees
There are no monthly card maintenance fees or card issuance fees for users who maintain their subscription or CRO lockup for at least six months. Foreign exchange fees are zero across all tiers. ATM withdrawals are free up to your tier's monthly limit, after which a 2% fee applies.
| Fee Type | Cost | Details |
|---|---|---|
| Monthly Card Fee | $0 | No maintenance fees on any tier |
| Card Issuance Fee | Free | With active subscription or CRO lockup (min 6 months) |
| Plus Subscription | $4.99/month | Cancel anytime, 2% cashback |
| Pro Subscription | $29.99/month | Cancel anytime, 3% cashback + lounge access |
| Foreign Exchange Fee | $0 | Zero FX fees across all tiers |
| ATM Withdrawal (over limit) | 2% | Applied to amount exceeding tier's monthly free limit |
| ATM Provider Surcharge | Varies | Set by ATM operator, counts toward withdrawal limit |
Is the Crypto.com Level Up Programme Worth It?
The Level Up programme delivers genuine value, particularly for users who spend regularly on a card and appreciate travel perks. The subscription model removes the traditional barrier of needing to hold large amounts of CRO, making these benefits accessible to more people. The simplified tier structure makes it easy to understand exactly what you're getting at each level.
For occasional spenders, the Basic tier's zero trading fees might suffice. Regular spenders should consider the Pro tier, where the cashback quickly offsets the monthly subscription cost. Ultimately, your decision should factor in your monthly spending habits, whether you travel frequently, and if you're comfortable holding CRO tokens long-term.
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