Multi-Tier Rewards Program Offers Up to 5% Cashback in CRO Tokens

Crypto.com, one of the leading cryptocurrency platforms, has announced the launch of a credit card in the United States in partnership with financial giant Bread Financial. The new card allows users to earn rewards in CRO tokens for everyday purchases, offering cashback of up to 5%. Card application is fully integrated into the Crypto.com app, making the process quick and convenient, while instant digital activation enables immediate use after approval. This partnership represents a significant step in integrating cryptocurrencies into traditional financial instruments and everyday consumer habits.

Credit Card Revolution: Crypto Cashback and Instant Application

The new credit card from Crypto.com stands out among traditional financial products with its focus on the cryptocurrency ecosystem. Card application takes place directly through the Crypto.com mobile app, and the entire process takes just a few minutes. After approval, the card is immediately added to the user’s digital wallet, eliminating the need to wait for a physical card to begin using it.

A distinctive feature of the offering is its multi-tiered reward system. The card program is divided into several levels—from Midnight Blue to the prestigious Obsidian. Each level offers different conditions for earning CRO tokens and additional bonuses that increase with the card’s tier level.

“For some cards, increased CRO earning rates will be in effect during the first 12 months after application,” the company’s official statement notes. Users of higher-tier cards also get the opportunity to receive reimbursement for popular subscriptions such as Spotify and Netflix through the Crypto.com Level Up program, which encourages active card use and enhances customer loyalty.

According to Joe Anzures, General Manager for the Americas at Crypto.com, “Bread Financial is an excellent technology partner. Together, we’re making payments more convenient and giving users more options to manage their money.”

Integration of Cryptocurrencies into Everyday Life: The 2025 Trend

The launch of the Crypto.com credit card in partnership with Bread Financial reflects a broader trend of integrating cryptocurrencies into consumers’ everyday financial lives. According to Insider Intelligence data cited in the release, by 2025, more than 75 million Americans will be using cryptocurrencies on a daily basis, indicating mass adoption of digital assets.

The card fully integrates with the Crypto.com ecosystem. All rewards in CRO tokens automatically flow into the user’s cryptocurrency wallet in the app. The earned CRO tokens can be exchanged for other cryptocurrencies, used for staking, or spent on acquiring NFTs, providing users with a wide range of options for managing their digital assets.

“Even beginners can take advantage of this card’s transparent bonus system. It’s an excellent way to start small, earn consistently, and gradually increase your crypto assets,” comments Val Greer, Executive Vice President of Bread Financial.

Market analysts note that the timing of such a product launch is no coincidence. “We are observing a tipping point in cryptocurrency adoption,” says Alex Fernandez, a cryptocurrency analyst at Morgan Stanley. “Partnerships between traditional financial institutions and cryptocurrency companies are creating products that can attract mainstream consumers. Credit cards with crypto rewards are the perfect ‘gateway’ to the world of digital assets for ordinary users.”

Choices for All Levels: From Beginners to Experienced Crypto Enthusiasts

Crypto.com users can choose one of five Visa Signature card levels and seven design options, allowing them to personalize their financial instrument according to their preferences. Cashback ranges from 1.5% to 5% on every purchase, with an important feature being the absence of limits on the amount of rewards earned.

The range of available cards includes:

• Midnight Blue (entry level)
• Ruby Steel
• Royal Indigo/Jade Green
• Frosted Rose Gold/Icy White
• Obsidian (premium level)

To obtain higher-tier cards, users need to stake a certain amount of CRO tokens, which encourages long-term cryptocurrency holding and potentially contributes to the stability of its exchange rate.

Financial experts note that this model not only attracts new users to the Crypto.com ecosystem but also creates additional demand for the CRO token. “A card program with rewards in proprietary tokens is an extremely effective strategy for user retention and ecosystem growth,” explains Sarah Johnson, a financial analyst at Goldman Sachs. “Users are incentivized not only to use the card but also to hold the tokens they receive in hopes of increasing their value.”

Prospects and Market Impact

The partnership between Crypto.com and Bread Financial could have far-reaching consequences for both the cryptocurrency market and the traditional financial industry. On one hand, it contributes to the further legitimization of cryptocurrencies as an asset class and their integration into everyday financial life. On the other hand, such initiatives may accelerate the adoption of regulatory measures regarding cryptocurrency companies offering financial services.

“We are on the threshold of a new era of financial services, where the line between traditional finance and cryptocurrencies is gradually blurring,” comments Jason Williams, founder of consulting firm Digital Asset Advisors. “Credit cards with crypto rewards are just the beginning. In the coming years, we will see a full spectrum of financial products integrated with blockchain technologies and digital assets.”

For Crypto.com itself, the launch of a credit card in the US represents a significant opportunity to expand its user base and strengthen its position in one of the world’s largest financial markets. In the face of growing competition among cryptocurrency platforms, such innovative products can become a key differentiating factor.

As more consumers begin to use credit cards with crypto rewards, we can expect responsive moves from competitors and traditional financial institutions, potentially leading to a new wave of innovation and partnerships at the intersection of traditional finance and the cryptocurrency industry.