Short answer
The Crypto.com Prepaid Visa in Canada spends a CAD balance and pays CRO rewards only on paid or staked tiers: 1.5% to 4.5% of capped monthly spend. The free Midnight Blue tier pays nothing and charges 2% on foreign purchases. Higher tiers need a subscription or a 12-month CRO stake from CA$650 to CA$650,000.
Figures as of November 1, 2026.
Fees
- Annual / monthly
- Midnight Blue free; Ruby Steel CA$6.99/month or CA$69.90/year, or a CA$650 12-month CRO stake; Royal Indigo/Jade Green CA$39.99/month or CA$399.90/year, or a CA$6,500 stake; Icy White/Rose Gold CA$65,000 stake; Obsidian CA$650,000 stake (source, read 2026-11-01)
- Foreign currency
- Midnight 2%; Ruby free on the first CA$700 a month then 2%; Jade/Indigo free on the first CA$1,400 then 2%; higher tiers no fee (source, read 2026-11-01)Ruby and Jade/Indigo allowances effective September 1, 2026.
- ATM
- No Crypto.com ATM fee listed in the Canadian fees article; ATM bank fees may apply. Withdrawal limits: C$700/day and C$7,000/month (Midnight), C$1,500/day (Ruby), C$2,500/day (higher tiers), C$15,000/month above Midnight (source, read 2026-11-01)
- Card issuance / replacement
- Physical card: Midnight C$4.99; Ruby C$39.99 for monthly subscribers under 6 months (free otherwise). Replacement: Midnight C$10, other cards C$70 (source, read 2026-11-01)
- Other
- Card balance maximum C$35,000; top-ups up to C$15,000 a day and C$35,000 a month (source, read 2026-11-01)
Rewards and how they pay out
- Headline
- 0% (Midnight) to 4.5% (Obsidian) in CRO, on capped monthly spend (source, read 2026-11-01)
- Paid in
- CRO (Cronos token) (source, read 2026-11-01)“CRO Rewards are paid in CRO Token to your Wallet App.”
- When credited
- Shortly after an eligible purchase, to your Token Wallet (source, read 2026-11-01)
- Condition
- Benefits follow your Level Up plan, not the card’s colour; unstaking or cancelling moves you to Basic (0%) (source, read 2026-11-01)
- Condition
- Some merchant categories, channels and countries are excluded from rewards; subscription rebates (Spotify, Netflix, Truth+) are separate (source, read 2026-11-01)
| Tier | Reward rate | What it requires | Monthly fee | Foreign currency | Reward cap |
|---|---|---|---|---|---|
| Midnight Blue | 0% | Free; no subscription or stake (source, read 2026-11-01) | — | 2% | No spending rewards |
| Ruby Steel (annual subscription) | 1.5% | Level Up Plus: CA$69.90 a year (or CA$6.99 a month) (source, read 2026-11-01) | $5.83 | Free to CA$700/month, then 2% | First US$750 of spend a month |
| Ruby Steel (CRO stake) | 1.5% | Stake CA$650 of CRO for 12 months (source, read 2026-11-01) | — | Free to CA$700/month, then 2% | First US$750 of spend a month |
| Royal Indigo / Jade Green (annual subscription) | 2.5% | Level Up Pro: CA$399.90 a year (or CA$39.99 a month) (source, read 2026-11-01) | $33.32 | Free to CA$1,400/month, then 2% | First US$1,500 of spend a month |
| Royal Indigo / Jade Green (CRO stake) | 2.5% | Stake CA$6,500 of CRO for 12 months (source, read 2026-11-01) | — | Free to CA$1,400/month, then 2% | First US$1,500 of spend a month |
| Icy White / Rose Gold | 3.5% | Stake CA$65,000 of CRO for 12 months (source, read 2026-11-01) | — | No fee | First US$3,000 a month, then 0.5% |
| Obsidian | 4.5% | Stake CA$650,000 of CRO for 12 months (source, read 2026-11-01) | — | No fee | First US$5,000 a month, then 1% |
Where it’s available
- Provinces and territories
- All provinces and territories (source, read 2026-11-01)Neither the Canadian card page nor the Canadian fees article lists a province exclusion, and the CSA list shows no jurisdiction limit for Foris DAX CAN ULC. Confirm in the app before applying.
Custody, spending and wallets
- Who holds the crypto
- Custodial (source, read 2026-11-01)Rewards are paid to the Crypto.com App wallet held by the platform.
- How a purchase is paid
- Spends a CAD card balance; crypto must be sold to CAD and loaded first (“Cards can only be loaded with Canadian dollars”) (source, read 2026-11-01)
- Apple Pay
- Yes (source, read 2026-11-01)
- Google Pay
- Yes (source, read 2026-11-01)
Regulatory status
- Card issued by
- Digital Commerce Bank, offered by Foris, Inc., under licence from Visa (source, read 2026-11-01)
- Platform
- Foris DAX CAN ULC (Crypto.com) is on the CSA list of authorized crypto trading platforms (decision May 8, 2025) and states it is registered with FINTRAC as a money services business (source, 2026-09-18)
Check the platform yourself on the CSA authorized list. More in who regulates crypto cards.
The tier most people would start on, at $1,500 a month in CAD and $150 in foreign currency.
| Card and tier | Crypto.com Visa — Ruby Steel (annual subscription) |
|---|---|
| Purchases in CAD | $1,500 a month |
| Purchases in a foreign currency | $150 a month |
| Rewards (at the CAD value when credited) | $188.64 a year1.5% of eligible spend, capped by the issuer, paid in CRO |
| Fixed fees | −$69.90 |
| Foreign-currency fees | $0.00 |
| Net a year | $118.74Break-even spend: $388 a month |
Open this example in the calculator →Computed 2026-11-03.
What every tier could earn on that budget
$1,500 a month of Canadian purchases and $150 in foreign currency, with rewards valued on the day credited. Use the calculator for your own numbers.
| Tier | Rewards / yr | Fees + FX / yr | Net / yr |
|---|---|---|---|
| Midnight Blue | $0 | −$36 | −$36 |
| Ruby Steel (annual subscription) | $189 | −$70 | $119 |
| Ruby Steel (CRO stake) needs ~$650 staked | $189 | $0 | $189 |
| Royal Indigo / Jade Green (annual subscription) | $495 | −$400 | $95 |
| Royal Indigo / Jade Green (CRO stake) needs ~$6,500 staked | $495 | $0 | $495 |
| Icy White / Rose Gold needs ~$65,000 staked | $693 | $0 | $693 |
| Obsidian needs ~$650,000 staked | $891 | $0 | $891 |
Before you apply
- The free Midnight Blue tier pays no spending rewards and charges 2% on foreign purchases.
- Rewards apply only to capped monthly spend, stated in US dollars. We convert caps at the Bank of Canada rate of 1.3978 (November 2, 2026) for the calculators.
- Staked tiers lock up CRO for 12 months. A small fall in CRO’s price can outweigh a year of rewards: see the stake and lock-up tool.
- Rewards are paid in CRO, a volatile token, so their CAD value changes after they are credited.
- The cardholder agreements and fee schedules are PDF downloads from Crypto.com; read the one for your tier before applying.
Official sources for this card
- Crypto.com — Crypto.com Visa Card (Canada) — no date shown; read November 1, 2026
- Crypto.com Help Center — Prepaid Visa Card Fees and Limits (Canada) — no date shown; read November 1, 2026
- Crypto.com Help Center — Prepaid Card Rewards & Benefits — no date shown; read November 1, 2026
- CSA — Crypto platforms authorized to do business with Canadians — page dated September 18, 2026
- Bank of Canada Valet — USD/CAD (FXUSDCAD) — page dated November 2, 2026