Visa Card Review [The MCO Visa Card Review]

The Card (formerly MCO Visa Card/MCO crypto card) is a crypto card that lets you spend your crypto and earn between 1% and 5% back in crypto rewards. Offered by, the Visa Card is ideal for investors who want a variety of useful perks and high rewards rate (the more you invest, the more you get back). The prepaid debit card is available in the UK, the US, Canada, the EU, Australia, and Singapore. card review: Benefits

  • card has no annual fees.
  • Spend cryptocurrency such as Bitcoin with prepaid Visa debit card.
  • Depending on your card level, you get fee reimbursement for Netflix, Spotify, Airbnb, Amazon Prime, Expedia, free ATM withdrawals, unlimited LoungeKey airport lounge access, etc.
  • Earn crypto rewards up to 5% when spending with card.

How to Get a Card

Firstly, create a account, either through their website or the App. Next, verify your identity by providing necessary details such as your name, date of birth, and address. Government-issued identification is being required for verification. After that, purchase CRO tokens, as they are needed for staking to obtain a Card. The amount of CRO tokens required will depend on the specific card tier you desire. Once you have acquired the necessary CRO tokens, apply for a Card directly through the App. It usually takes a few days or weeks for your card to arrive. When you receive your card, activate it through the app.

Staking cryptocurrency is a risky investment, especially for cryptos that are newer, such as’s CRO. They more volatile and less secure than bitcoin, and there is less information about them and their potential risks. Furthermore, the platform could be hacked, or it could go bankrupt. Do your research and only stake what you can afford to lose.

How to Use Card Card (CDC) works as a prepaid Visa card that allows you to spend your cryptocurrency like bitcoin. You can use your Visa card to pay in over 40 million Points of Sale (POS) worldwide and online retail shops.

The card has five different tiers, each with its staking requirements, its crypto reward, and its benefits. Each card level requires you to stake a certain amount of the platform’s cryptocurrency ( CRO) for 180 days in return for CRO rewards. You are also able to get a virtual card and physical card (metal).

Any time you spend with your card, you earn rewards in CRO, which are deposited into your account instantly. The token can be traded on the platform for other digital coins, or can be converted into US dollars or any other fiat currency for spending.

How to Top Up Card

Being a prepaid card, you must top up your card before you can use it. You can fund it via bank transfer (including SEPA), credit/debit card, cryptocurrency, or PayPal. The best way to top up your card depends on your individual circumstances. If you want to avoid fees, then bank transfer is the best option. If you already own cryptocurrency, then topping up your card with cryptocurrency is a good option. Card Tiers

The following table shows the available card tiers, card requirements for staking, amount of crypto rewards you earn, and their benefits.

TIERCRYPTO.COM CRO STAKE IN USDCRYPTO.COM CRO REWARDSCRYPTO.COM CARD BENEFITS Midnight Blue Card$01%Free ATM withdrawals Ruby Steel Card$4002%Spotify fee reimbursement, free ATM withdrawals Royal Indigo Card and Jade Green Card$4,0003%Spotify fee reimbursement, Netflix fee reimbursement, Unlimited LoungeKey airport lounge access, free ATM withdrawals Frosted Rose Gold Card and Icy White Card$40,0005%Spotify fee reimbursement, Netflix fee reimbursement, Amazon Prime fee reimbursement, Expedia reimbursement, Unlimited LoungeKey airport lounge access, Private services, Exclusive merchandise welcome pack, free ATM withdrawals Obsidian Card$400,0008%Spotify fee reimbursement, Netflix fee reimbursement, Amazon Prime fee reimbursement, Expedia reimbursement, Airbnb reimbursements, Unlimited LoungeKey airport lounge access, Private services, Exclusive merchandise welcome pack, Private jet benefits, free ATM withdrawals Card Supported Countries card countries are over 90 including Austria, the United States, Switzerland, the United Kingdom, Belgium, Cyprus, Iceland, Germany, Australia, Estonia, Croatia, and Romania. Other supported countries are Canada, Denmark, Greece, Luxembourg, Czech Republic, Brazil, Hungary, Ireland, Lithuania, Latvia, Italy, Netherlands, Portugal, Slovakia, Finland, Slovenia, Malta, Bulgaria, France, Singapore, Norway, Spain, Sweden, and Poland. The card can be used virtually anywhere. Since Visa cards are accepted in over 200 countries and at over 60 million merchants, it is likely that you can use the card in most places. The list of supported countries is constantly updated depending on legal status changes in different countries. Supported Currencies currency list includes cryptocurrencies and fiat currencies. Supported crypto include Bitcoin, iEarn, Litecoin, Ethereum, Fantom, Bitcoin Cash, Augur, USD Coin, Akropolis, Labra, NEM, Nano, Aave, Nest, Icon, Helium, Ethereum Classic, Dogecoin, Dia, Paxos Standard, Polkadot, Ripple, and more. . There are over 20 supported fiat currencies that can buy digital assets or be stored in your wallet. They include USD, SGD, NZD, HKD, TWD, NOK, SEK, DKK, PLN, CHF, ZAR, RUB, BGN, RON, ILS, SAR, AED, HUF, CZK, BRL, GBP, CAD, AUD, EUR, and TRY. Card Fees

The Visa card charges low fees for its services. Some of the fees to expect include the following:

Initial card set upFree
Monthly/Annual maintenanceFree
Card loadingFree
Domestic transactionsFree up to a certain limit depending on the card tier
Card inactivity fee£5.00, ₤5.00, or $4.95 if you do not use your card at least once in a year
Card replacement$10 for Midnight Blue and $70 for the other card tiers and an equivalent amount in GBP and EUR ATM withdrawalsFree up to a certain limit depending on the card tier. Additional withdrawals have a 2% fee Card Limits

The is subject to some limits. They are as follows:

Maximum card balance£22,000₤25,000$25,000
Top-up daily limit£22,000₤25,000$10,000
Top-up weekly limit£22,000₤25,000$25,000
Top-up yearly limit£220,000₤250,000
ATM daily withdrawal limit£1,800₤2,000$500 for the Midnight Blue card but higher limits for other tiers
ATM weekly withdrawal limit£9,000₤10,000$5,000 for the Midnight Blue card but higher for other card types
ATM yearly withdrawal limit£66,000₤75,000

The Free monthly ATM withdrawal limits are tied to the type of tier you choose. After that limit, you will pay a 2% fee.

Midnight Blue£180₤200$200
Ruby Steel£360₤400$400
Royal Indigo£720₤800$800
Jade Green£720₤800$800
Icy White£720₤800$1,000
Rose Gold£720₤800$1,000
Obsidian Black£900₤1,000$1,000

Is the Card Safe and Legit?

The card is issued by Foris, Inc., a regulated financial institution in Hong Kong. The platform is keen on security. Cryptocurrencies held on the site are stored offline and are insured against damage and theft up to $500 million. Moving crypto is protected in multi-signature HSM wallets. Additionally, there is a’s staff that actively monitors suspicious transactions and seeks manual approval for voluminous transactions.

In 2022, the platform experienced a hacking incident that impacted 483 of its users. Nevertheless, the platform took swift action and promptly reimbursed all the affected users. Card Customer Service has a reliable customer support system to ensure that clients are well served in case of any problem or inquiry. has a FAQs section where many questions concerning the card have been addressed. Alternatively, you can reach the support team via live chat in the App. also offers support through Facebook, Twitter, email, Telegram, and LinkedIn. Visa Card Reviews

As of February 26, 2024, has garnered a low rating of 1.6 out of 5 stars from over 7,600 reviews on Trustpilot. Among these reviews, only 18% awarded the platform a 5-star rating, while a significant 68% rated it at just 1 star. Common grievances highlighted in these reviews include slow or unresponsive customer service, account suspensions or limitations, difficulties with withdrawals or deposits, concerns regarding the staking requirement, and dissatisfaction with recent changes such as reductions in rewards rates. It’s important to note that primarily functions as a cryptocurrency exchange, offering crypto Visa cards among its array of services. Hence, complaints directed towards the platform are not exclusively related to their crypto cards but encompass broader aspects of their services.

Is Card Worth It?

The Visa Card, also known as CDC card, is a prepaid card designed to provide rewards in CRO, the native token of the ecosystem. With several tiers available, each tier has its own staking requirement and rewards rate, including cashback on streaming services like Spotify and Netflix. At the highest tier, Obsidian, you can enjoy a 5% rewards rate along with various perks such as airport lounge access and reimbursed Netflix and Spotify subscriptions.

To unlock higher tiers and rewards, you need to hold a specific amount of CRO tokens for a set period. If CRO is unstaked, you risk losing your rewards and associated perks. This can be a deterrent for those not interested in holding cryptocurrency or unwilling to commit funds for an extended period. Additionally, while CRO is the primary token, it may not be as widely accepted as other cryptocurrencies. Fortunately, it is possible to exchange CRO for other cryptocurrencies.

Recent adjustments in rates have drawn some negative attention to the CDC card. It’s crucial for you to strategize your spending, especially for significant expenses like plane tickets, to maximize cashback benefits. It’s worth noting that not all card plans offer stake rewards and rebates for services like Spotify and Netflix. Hence, you need to consider your usage patterns and preferences carefully.

The Card presents an attractive option for crypto enthusiasts seeking to integrate their digital assets into everyday spending and earn rewards in the process. However, based on our research, exploring alternatives like the ones listed below might be a better fit for some users. Card Alternatives

The Visa card is a great card that gives access to the best rewards compared to other cards. However, these rewards are dependent on staking the CRO token. If this sounds more of a dealbreaker to you, you can choose an alternative card. Also, if the Visa card does not meet your needs, you can check the following alternatives:

You can also go for crypto friendly bank accounts if you want additional services that are not possible with card.

Revolut is more advanced and also comes with a multi-currency account, including your own bank account numbers. The Crypto feature is mostly for investing though and is less advanced. card FAQs

What is the card?

The Card is a prepaid Visa card that lets you spend your cryptocurrency wherever Visa is accepted.

How does card work?

The Card works as a prepaid Visa card that allows you to spend your cryptocurrency like bitcoin. You can use your Visa card to pay in over 40 million Points of Sale (POS) worldwide and online retail shops.

Is card worth it?

The Visa Card, also known as the CDC card, offers rewards in CRO across multiple tiers with varying staking requirements. At the highest tier, Obsidian, users enjoy a 5% rewards rate and perks like airport lounge access and reimbursed subscriptions. However, unstaking CRO risks losing rewards, and recent rate adjustments have drawn criticism. Not all plans offer rewards for services like Spotify and Netflix, requiring careful consideration. While appealing for crypto enthusiasts, alternatives may suit some users better.

What are Card available countries? card countries are over 90 including Austria, the United States, Switzerland, the UK, Belgium, Cyprus, Iceland, Germany, Australia, Estonia, Croatia, Singapore, and Romania.

Why is my card pending?

Your card can be pending for a longer period depending on many factors (e.g. delay in shipping, nationality, quality of the pictures, etc.).

What is Airport Lounge Access? Airport Lounge Access is one of the benefits that come with premium metal Visa Cards. It gives you complimentary access to airport lounges through Priority Pass, which covers more than 1,100 lounges in over 500 airports around the world.

What's card declined by issuer?

This is a common error that occurs if you do not have enough funds in your account, if you enter the wrong card number, if your card has expired, if your card is flagged for fraudulent activity, or if there is a technical error in the system.

Has been hacked?

In January 2022, was hacked and made to approve roughly $35 million in fraudulent transactions, affecting 483 of its users and costing the company an unspecified amount in reimbursements.

Can I withdraw cash from Crypto com card?

You can withdraw cash from your Visa Card at almost any ATM worldwide that displays the VISA logo.

Our goal

We want to inform you about the latest banking trends and developments, by providing comprehensive reviews of banks around the world offering virtual banking services and bitcoin based banking.

Our aim is to help you know the best bank accounts, how to open a bank account, best banks to invest and buy bitcoin, how to apply for payment and virtual cards, how to open a non-resident bank account in the US or EU, how to earn a passive income with your crypto, obtain a loan with your crypto deposits, and many other banking-related topics.