Visa Debit Card with Cashback and 100% rebate on Netflix, Spotify & Amazon Prime represents one of the world’s most popular crypto debit card providers. The company was founded in June 2016 called Monaco Technologiies Gmbh and in July 6th 2018 rebranded itself to, by buying the domain name for a few million dollars from Matt Blaze, a professor in the University of Pennsylvania. The company believes that people throughout the world should have the liberty of freely controlling their online money, identity, and data. So far, the platform has attracted over 10 million users, has 2600 employees and is presented in more than 90 countries. is a mobile application which gives you the ability to buy and sell digital currencies (7 Fiat currencies and 80+ Cryptocurrencies), store them (Wallet), invest them (Invest Feature), get interest on them (Earn Feature), get loans with them as collateral (Credit Feature), and get paid in them (Pay Feature).

The app comes along with a VISA debit card ( Card) which allows you to pay for your daily transactions in cryptocurrencies (I’ll explain more later).

This card offers amazing benefits (you won’t find anything similar in the market) like cashback return (in CRO) from 1% to 8% on all your purchases and a 100% cashback for services like Spotify and Netflix.

The crypto debit card can be funded via crypto deposits, which are instantly converted to the user’s currency of choice as well as via top-ups through the FIAT-wallet. Payments and ATM withdrawals are supported wherever Visa is accepted.

All Visa cards (exclusive to CRO token holders) are metal, beautifully crafted, offer CRO rewards, and much more to save App users a ton of money! Banks usually charge their most valuable customers hundreds of dollars per year for metal cards. is offering them to CRO token holders for FREE:

  • NO monthly fee
  • NO annual fee
  • NO shipping fee
  • NO setup fee
  • You can pay in foreign currency using real exchange rates (just like the Digital Banks of Revolut, N26, etc.)
  • 1% to 5% Cashback on all your purchases
  • Free ATM cash withdrawals
  • Cool metallic design (not for the basic card)

The only commitment you as a App user have is to own CRO tokens and stake them for 180 days.

In regards to the lending service, users can deposit crypto as collateral and obtain an instant loan in USD, PAX, USDC or TUSD. The credit can be spent directly via the company’s Visa card. Improved interest rates are granted to those who stake CRO, a native token enabling cross-asset currency settlement within the blockchain.

🚀 Use my referral link to sign up for and we both get $25 USD 😸
🧨 During signup use my referral code ref6ayzqvp to claim your reward 🧨

Free Visa Card! 100% rebate on Spotify, Netflix. Up to 8% cashback on all your shopping.

Perks and rewards: free Spotify, Netflix, Amazon Prime

When signing up for a card, users can choose to stake CRO (the cryptocurrency) in order to obtain perks and rewards. CRO is obtained either by purchase or as a reward for spending via the card. Higher CRO staking will gain you access to improved card tiers.

With this in mind, users can unlock cashbacks together with free Spotify, Netflix, and Amazon Prime subscriptions. Expedia and Airbnb discounts are available as well. High tier card owners will unlock bonus interest, a private concierge, a merchandise welcome pack, access to airport lounges, and higher no-fee limits.

You can apply for the free card, earning up to 1% cashback or choose to stake CRO for a higher reward card:

“Staking” means that you purchase for example $400 of CRO and then lock it for 180 days for a “Ruby Steel” Visa Card. During the 180 days you earn interest in CRO. For example staking $4000 of CRO for an Indigo card will earn you 10% p.a. in CRO interest of the staked amount. You will only be able to “unstake” and get your CRO back after the 180 days. Your virtual Visa Card will be issued immediately and your physical card will be shipped within 2-4 weeks.

While the Ruby Steel and the Midnight Blue do not offer any other card benefits, it starts to become interesting once you stake for the Royal Indigo & Jade Green Visa Card. Here you will get your monthly Spotify and Netflix subscription returned in CRO – the requirement is purely that you pay monthly via your Visa Credit Card. From the Royal Indigo & Jade Green-tier upwards you will also get Free Airport Lounge Access (at a value of $32 per visit).

Staking for the Frosted Rose Gold & Icy White (requires $40,000 to be staked) gives you Spotify, Netflix, Amazon Prime as a 100% rebate but also a 10% Expedia discount. In addition you will get a private welcome-pack (t-shirt, hoodie, cap) and you can take an additional guest for free into the airport lounge.

Each credit card will also earn you between 1-8% (depending on tier) in cashback off the total paid back in CRO.

How do I apply for the Visa Card?

You need to stake CRO tokens for a period of 180 days to apply for a Visa Card.

To do so, first sign up for a App account (please use my referral code “ref6ayzqvp“) and complete our KYC verification. Next, purchase CRO tokens and deposit them into your Crypto Wallet in the App. If you buy CRO directly in the App, then no action is required. The amount of CRO depends on the card tier you’re applying for.

Once you’ve downloaded the App and completed our KYC, navigate to the “Card” page” which is located at the bottom right corner of the app:

Finally, go to the ‘Card’ tab in the App, select your desired Visa Card, tap the ‘Stake CRO’ button, and follow the on-screen instructions. You will be issued a virtual card which can be immediately used and you will get a notification when your physical card ships – you should have your card within 2-4 weeks.

Note: EU/UK and US users will receive a virtual card in the App, shortly after the review of the address documents is complete. A physical card (optional) can be requested to be delivered thereafter.

How do I redeem CRO rewards and purchase events?

All card rewards are paid in CRO and deposited into your Crypto Wallet in the App. CRO Rewards are instantly reflected with each eligible transaction. Purchase rebates are reimbursed to the USD/EUR equivalent, and the rebate cap is reset on the first day of each month.

How do I top-up my card?

You can top up your card using your Fiat Wallet, Crypto Wallet, or credit/debit card in the App. Go to the ‘Card’ tab, tap ‘Top Up’, and select your preferred method.

The App and some features

Using the App allows you to manage the credit-card within the app:

Since it is a Visa Debit Card, the card needs to be “topped-up” via the App either through your Crypto Wallet (supported are many popular currencies such as USDC, BTC, ETH, XRP, DOGE, LTC and more), your Fiat Wallet or through a credit card.

Within the app you will also see your card transactions, staking period and cashback transactions:

CRO stake rewards are paid weekly and you will get an app notification:

Mining DeFi tokens with the Supercharger

If you have used the App or Exchange, you may have noticed that both of them have this function, called the Supercharger:’s Supercharger is a fuss-free way to deposit your CRO tokens and mine DeFi tokens as your reward. There are no fees charged, and you are able to withdraw your CRO tokens at any time as well, making this a flexible way of earning these DeFi tokens. When you deposit your CRO tokens into Supercharger, you are adding liquidity to the centralised pool.

As a reward for providing this liquidity, you will be issued a DeFi token. The token you receive depends on the current Supercharger event that is happening. The amount of tokens that you receive will be based on your liquidity score. The higher your liquidity score, the more tokens you will receive!

How does’s Supercharger work?

The Supercharger has two periods: the Charging Period and the Reward Period. The Charging Period is the period that you’re depositing your CRO into the liquidity pool. Meanwhile, the Reward Period occurs immediately after, where you will receive the DeFi token over a period of time.

The Charging period can last anytime between 30-45 days, depending on the event. Once the Charging Period has ended, your liquidity score will be calculated. Your liquidity score is based on the liquidity you provided during the Charging Period.

Once the Charging Period has ended, the amount of rewards you’ll receive will be calculated. When your reward has been calculated, you’ll be given a notification to accept your rewards:

To receive your full reward, you’ll have to accept your reward before the start of the Reward Period. If you only accept your reward halfway into the Reward Period, you will lose your rewards for the previous days! As such, it would be best for you to keep a lookout for this notification when the Charging Period has finished.

After accepting your rewards, the total allocation will be split between 30-45 days. During each day, your reward will be issued to you. For example, you may have accepted a reward of 30 X tokens. If the Reward Period lasts for 30 days, you will receive 1 X token each day.

There are no fees or risks involved in participating in the Supercharger. You will obviously need to have your CRO charged for the entire period to achieve the highest liquidity score and you should accept the reward as soon as you are notified. Since the rewards are paid out daily, the later you accept the more payouts you will miss.

Once the Supercharger period is over, you will automatically participate in the next Supercharger event (I moved for example from HBAR to the current ETH event).

What is the CRO Token?

The operation of Chain, ie the public blockchain of on which the operation of the platform is built, is based on a cryptocurrency (Utility Token) which has been developed by the company itself. It’s the CRO ( Coin), based on Etherium‘s Blockchain and it can be stored in any wallet that supports ERC-20 tokens.

What is Crypto Staking?

If you’ve even entered the app’s website (or have downloaded it already), then you’ll certainly have seen the term “Staking“. If you’re a Poker player, you’re probably already familiar with the term. In the Poker world, staking is having a third party “fund” a player’s capital, expecting him to win so that the funding party can keep a percentage of the winnings. It’s like an investment on a player’s skills.

In the Crypto-world, Staking is the process of holding funds in a cryptocurrency wallet to support the operations of a blockchain network. Essentially, it consists of locking cryptocurrencies to receive rewards. So, buying and Staking CRO Tokens in means you “support” the company by investing your capital in its Token. “Staking” in means that you keep your CRO in your Wallet for 6 months and you can’t sell them or exchange them. They’re locked for six months.

As you can understand, it’s very important for the company’s growth that users invest their capital in its own Token and keep it there. For this reason, the company offers many advantages to those staking CRO Tokens.

Some of these advantages include:

  • Premium Metal Debit Cards (with higher Cashback rates and Benefits)
  • Higher yearly interest rates in the Earn Feature (up to 20% APR)
  • 50% Discount to the Invest Feature’s fees

In order to to apply for a Visa Debit Card you will need to Stake Cro. To “upgrade” your profile to a higher card Tier and enjoy the respective privileges, you need to Stake CRO Tokens for 6 months. The Staked CRO Tokens aren’t lost, they remain in your possession and are available for use after 180 days. Think of it as a time deposit.

Then, after the 6 months, you can continue using your premium card with no extra charges, forever. (If you choose not to stake your CRO, then your privileges will be significantly fewer.)

Which Card should I choose?

If you read the analysis of the cards, you must be “drooling” over the high-end tier benefits. I think that there are no cards out in the market right now that offer so many benefits to the user.

I chose the Jade Green/Royal Indigo card (€ 3500 CRO Stake) – as an example:

  • By doing the math, regarding the 100% rebate for your Netflix and Spotify subscriptions, I get the following:
    (7.99€ * 12) + (12.99€ * 12) = 251.76€
  • And if I consider that you would spend about 3,000€ in a year, with the 3% Cashback, I get:
    3.000€ * 0.03 = 90€

That brings the total benefit to 341.76€ per year.

With the Jade Green/Royal Indigo tier card, you’ll need to Stake 3,500€ in CRO (at the rate of €0.32 this would be 10,900 CRO). In essence, it wouldn’t cost you anything, since your Stacked CRO Tokens remain yours after the six months. Also, keep in mind that in the 3rd tier offers an additional 10% interest rate on the 10,900 CROs you have stacked. This means that, by the end of the 6th month, you will have gained 545 additional CROs, valued 174.40€.

As profitable as the specific deal might be, do not forget that no one guarantees that the commitment you will make is safe. CRO is a Crypto Token. This means that it comes along with the volatility that all cryptocurrencies are characterized by. Their value can go up or down very quickly, without warning. If the CRO to Euro exchange rate drops to 0.20€/CRO, for example, then your starting capital of 3.500€, will now be worth 2,180€.

Finally, keep in mind that your CRO will be held in the wallet of, and as such it will be susceptible to hackers, or a possible bankruptcy of the company. So, the question becomes: what’s the maximum risk you’re willing to take?

I chose the Royal Indigo Crypto Card which requires staking €3,500. It is an amount of money that I am currently comfortable losing, for whatever reason. I strongly advise you to do the same.

How to open an Account on

The process of creating an account on is simple, fast, takes place online, and doesn’t have any fees.

What you need to have before you get started:

  • Passport, Driving License, or ID.
  • Your Referral Code to get $25 → ref6ayzqvp
  • Your mobile phone.

👉🏻 Referral Deals – get $25 worth of CRO for signing up with the App

If you are interested in signing up for a account, you can use my referral link and enter the code ‘ref6ayzqvp‘.

👉🏻 Referral Deals – get $10-$50 worth of CRO for signing up with the Exchange

You should sign up for the App and the Exchange as there are additional benefits with the Exchange. If you are interested in creating a Exchange account, you can use my referral link and enter the code ‘ref6ayzqvp‘.

Depending on the amount of CRO you stake on the Exchange, you are able to earn between USD $10 to USD $50:


If you find my crypto articles valuable, then do me a favour:
🚀 Use my referral link to sign up for and we both get $25 USD 😸
🧨 During signup use my referral code ref6ayzqvp to claim your reward 🧨
Also go to to add your card to ApplePay (and get 1% cashback)

* To get the $25 Bonus, you must Stake at least 5.000 CRO in the app.

The (CDC) Visa card FAQ

  • No, you can’t use the CDC VISA to buy crypto. It is an infinite money glitch and they are smart enough to not let that happen. Apparently this is different in the USA, but everywhere else it stands.
  • Your “Sign-Up Bonus” will be unlocked when you stake for the Ruby Steel card. And yes, it will be unlocked at the amount of CRO that was the $25 equivalent at the time you signed up. You got 150 CRO for signing up? Great! That what’s unlocked.
  • If you top up your card, you can’t transfer it back to your fiat wallet. You would need to use an ATM. Think about what you want to spend the money on the card for first before blindly transferring things around.
  • Yes, there is a card upgrade fee. This covers the cost of the physical card. If you don’t want to change the physical card, talk to support. Check here if you want to see if you will be charged. Don’t want the physical card? Click “no, maybe later”.
  • When you receive you card, please be aware the first time you use it, it may be declined. That’s normal. Changing the PIN can cause a decline as well. Check here to see if that will happen to you.
  • Sometimes you’ll be charged more upfront as a “hold” on your card. It will revert back to your card, but make sure you have enough to cover that 20% difference, or it will be declined. This usually happens at petrol-station pumps, restaurants, hotels, etc. This doesn’t apply to every region.
  • While on the topic of charges, you’ll be reimbursed UP TO a certain dollar amount for Spotify, Netflix, and so on. Here is the link for the reimbursements. Anything past that will be reimbursed at your normal cash back level (IE. you have Jade, spend $14.99 on Netflix for 4K [the number may be different, I’m Canadian and not too sure], you get $13.99 100% reimbursed, and 3% back on the remaining $1.00)
  • You can upgrade your card at any point you wish simply by staking more funds to match the higher requirement. If you pay to get the higher physical card this will take time to arrive in the post, they are extremely busy and are doing their best. Your existing funds on the card will be locked for a period but will also be transferred to the new card when it is issued.
  • At the end of your staking period for a card you have 3 options:
    1) Leave it staked, you retain all you benefits and have instant access to the funds should you need them.
    2) Unstake and immediately restake only the required amount. You’ll keep your existing card and all the benefits, release a portion of your funds but you’ll get less back in CRO interest due to having less CRO staked
    3) You can remove all of your stake, you’ll keep the card and some cash back but lose many of your benefits – information for each card can be found within the app where you can view full card details and toggle on and off with staked CRO.


I’m not a professional investment advisor and the above information is not an investment suggestion, only a guide to help you. Always keep in mind that investment = risk! Especially when we’re talking about cryptocurrencies, which are incredibly volatile! Only invest money you’re willing to lose!

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