HomeCryptoHow to use Crypto.com's MCO Visa Card

How to use Crypto.com’s MCO Visa Card

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Crypto.com offers several Visa cards to convert your crypto to fiat and spend it anywhere in the world. 

These are the MCO Visa Cards, which make it easy to use digital currencies as a means of payment on a daily basis. 

MCO VISA Cards are debit cards connected to the Crypto.com app, which is a crypto wallet that allows users to buy and sell up to 55 cryptocurrencies with 7 fiat currencies. 

This allows users to directly load the cards by selling cryptocurrencies held in the wallet back to fiat currencies, and spend from their card. When users spend from their MCO Visa Card, they receive cashback in MCO, which is Crypto.com’s native cryptocurrency.

There are five card tiers for the MCO Visa Card, ranging from the free Midnight Blue MCO card to the Obsidian Black card which offers up to 5% cashback. Here is a detailed breakdown of the benefits.

crypto.com cards

The first, Midnight Blue, does not require staking MCO tokens and offers only 1% cashback in MCO tokens for all purchases. 

The second, Ruby Steel, requires the staking of 50 MCO tokens and offers a 2% cashback as well as a 100% rebate of the Spotify subscription in MCO tokens.

The third, available in either Jade Green or Royal Indigo, requires 500 MCO to be staked, has a 3% cashback, Spotify and Netflix subscription rebate and the Airport Lounge Access.

The fourth, available in Icy White and Frosted Rose Gold, requires staking 5,000 MCO tokens, has a 4% cashback, and 100% rebate of Spotify, Netflix and Amazon Prime subscriptions, plus 10% rebate on Expedia and the Airport Lounge Access. 

The last one, Obsidian Black, requires 50,000 MCO to be staked, has a 5% cashback, 100% rebate of Spotify, Netflix and Amazon Prime subscriptions, plus 10% discount on Expedia and Airbnb and the Airport Lounge Access.

All cards allow users to exchange fiat balances in their card wallet at “Google” interbank exchange rates and access to worldwide ATM withdrawals with no fees. The limits increase depending on the level of card the users hold.

MCO Stake Rewards

For Jade Green or Royal Indigo MCO card holders, they receive MCO tokens based on their stake of 500 MCO at 6% p.a. interest paid out weekly.

Crypto.com Private

For Icy White, Frosted Rose Gold and Obsidian Black card holders are also known as Crypto.com Private users. Similar to Jade Green and Royal Indigo MCO card holders, they also receive MCO Stake Rewards. They receive 8% p.a. interest paid out weekly based on their MCO stake.

Crypto.com Private users also receive extra earnings of up to 2% p.a. paid in MCO when they deposit cryptocurrencies into Crypto Earn.

These cardholders also enjoy access to OTC block trades of MCO and CRO, research reports, inheritance service, industry events and priority customer service.

Reserving Your Crypto.com Card

Card reservations and updates are made through the Crypto.com app, which includes management of card use, transactions, pin reset, lock and unlock with a single touch. 

With the exception of the Midnight Blue card, to reserve a card, or upgrade to a higher level card, it is necessary to purchase and stake MCO tokens for 6 months. It is good to note that there are no additional fees. There are no annual, monthly, shipping or delivery charges. 

After 6 months the tokens are returned at no cost, however, unless users continue to stake, cashback and reward levels are reduced.

crypto.com cards


With five different tiers of the MCO Visa Card to choose from, there is an MCO Visa Card for everyone. Users new to cryptocurrencies may want to consider reserving the free Midnight Blue or the Ruby Steel to enjoy the cashback and spotify rebates.

For frequent travelers, users may want to consider the Jade Green or Royal Indigo MCO Visa Cards as they come with unlimited LoungeKey™ access to airport lounges. It is good to note that cardholders will still have LoungeKey™ access even after their MCO staking period of 6 months is over.

Lastly, for advanced users, they may want to consider cards on the Crypto.com Private level, where users can bring along one guest to airport lounges using their Icy White, Frosted Rose Gold or Obsidian Black MCO Visa Cards. With up to 10% rebate on bookings on Expedia and Airbnb and significantly higher limits for the no fee ATM withdrawal and interbank exchange rates, this card is perfectly suited for higher spenders.

There is a MCO Visa Card for everyone. Sign up for an MCO Visa Card here.


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