How It Works & Better Alternatives

Crypto.com

 Crypto Card

The Crypto.com visa card also includes a large cryptocurrency platform, exchange, DeFi wallet, NFT marketplace, and staking products. Its Visa card converts crypto to fiat at the point of sale for worldwide use. However, its best rewards require locking up substantial CRO for 12 months, and all benefits can be altered at Crypto.com's sole discretion.

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What is 

Crypto.com

?

Crypto.com is a crypto payment platform that allows users to spend cryptocurrency using a virtual or physical Visa card. Crypto is automatically converted to fiat at the point of sale, enabling everyday purchases worldwide. The card offers CRO token rewards of up to 5% on everyday spending, with higher card tiers more benefits can be unlocked through CRO staking.

Crypto.com

 Limitations

Staking Required

Unlocking higher cashback (up to 5%) requires staking CRO, the top tier demands a very large stake.

Low Entry Tier

The entry-level Midnight Blue credit card offers 0% cashback; Ruby Steel offers 2% but requires a CRO stake.

CRO-Only Payout

Cashback is paid in CRO tokens, not in the crypto you actually spent or in a stablecoin.

High Stake Lock-Up

The top tiers require locking up $50,000-$500,000 in CRO for 1 year, with no protection if the token loses value.

Traditional Cashback vs Oobit Cashback

Traditional cashback programs are often limited in value and speed.
The Oobit crypto card delivers a next-generation experience, instant, global, and crypto-native.

Crypto.com

Cashback

Up to 10%

Up to 5%

Earning

Every payment

Requires staking

Timing

Instant

After spend

Setup

Pay from wallet

Pre-funded card

Self-Custody

Card activation fee

Free

Varies

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How Oobit Compares to 

Crypto.com

Oobit is built for users who want clear and predictable cashback from everyday crypto payments. Instead of relying on temporary promotions, Oobit rewards spending with a consistent cashback structure designed for frequent use. This makes it a practical alternative for users compared to Crypto.com cashback with modern crypto payment solutions that prioritize long-term reward value.

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The people’s money

Paolo Ardoino

CEO of Tether

״User-experience perfection. Oobit + $USDt for payments in real-life.״

Filipe Toledo

2x World Surf Champion

״Oobit makes crypto payments simple, intuitive, and accessible for everyone.״

Joseph Abehsera

Crypto Veteran & Influencer

״After 10+ years in crypto, I believe Oobit has the greatest opportunity to bring crypto to the masses.״

Roger Ver

Bitcoin.com

“Thanks to oobit anyone can now pay with BitcoinCash, Bitcoin, Tether, Ethererum and other Crypto anywhere... “

Sarah Nabaa

VeChain foundation

“How crypto should be- digital cash, instant and helping the unbanked. Tap and Pay for everyday things in-store with your $VET...”

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Oobit Technologies 2026. © All rights reserved.

Oobit provides technology that enables users to spend digital assets through existing payment networks. Services are subject to regional availability and regulatory requirements. Oobit operates through multiple entities globally. Certain features may be provided by licensed partners depending on your location.

US Cryptocurrency services are provided in partnership with Bakkt Financial Solutions I, LLC. Bakkt is registered with FinCEN as a Money Services Business (MSB) and holds state money transmitter licenses.