Ultimate Cryptocom MCO Card Review

Ultimate Crypto.com MCO Card Review

The MCO card of Crypto.com is the result of the rebranding of the Monaco card that lasted until September 2018. The MCO Visa Card is popular among the cryptocurrency enthusiasts and millennials because of the rewards, services, and benefits it offers. With this card, you can transact in different places around the world because it is a Visa card type.

The MCO Visa card is available for shipment in Singapore and the 37 states of the United States of America. In the future, Crypto.com considers shipping to other countries like Canada, Australia, and the European Union

MCO Card Benefits and Transaction Fees

Perks and Extras Discounts and Rewards
Fees 2% by exceeding the withdrawal limit
0.5% by exceeding the monthly limit on the exchange rate for interbank transactions
Card Options Physical
Supported Fiat Currencies USD, HKD, GBP, EUR, AUD, JPY, SGD
Supported Cryptocurrencies BTC, ETH, XRP, MCO, BNB, LTC
Card Type Visa
Native Token MCO
Availability USA and Singapore

Account Registration and Funding

If you are from Singapore and the US, you can easily register to avail the MCO card that you like. All you have to do is register your legal name. Upload a copy of a government-issued ID, and take a selfie.

You can top up your funds in your account through IBAN and ACH deposit on the MCO mobile app. The supported fiat currencies are USD, HKD, GBP, EUR, AUD, JPY, SGD, and the supported cryptocurrencies are BTC, ETH, XRP, MCO, BNB, and LTC.

Fees and Limits

The limitations of MCO card depends on what type of card you have. Currently, Crypto.com offers 200 USD to 1000 USD withdrawal limit, wherein the Midnight Blue offers the 200 USD and the Obsidian Black offers the 1000 USD. There are other cards available which provide a different range of withdrawal limitations.

Once you exceed the monthly withdrawal limit for your card, 2 percent will be the charged on your further withdrawals.

Depending on the MCO card that you have, there is a limitation on the monthly interbank exchange rate. The lowest, the Midnight Blue MCO Visa card limit, is 2000 USD. Meanwhile, the highest, the Obsidian Black MCO Visa card, offers an unlimited amount of monthly interbank exchange rate.

Once you exceed the monthly interbank exchange limit for your card, 0.5 percent will be the charge for your further transactions.

Compare to other crypto cards, the MCO Visa card offers the lowest and fewest transaction fees. All that you have to be mindful about is when you are exceeding your monthly withdrawal and interbank exchange limitations to pay a fee. Other than these transactions, you can enjoy using your card without additional charges.

Rewards and Incentives

Another perk for availing the MCO Visa card is the cashback.

Just by using the card itself, you can already avail one to five percent cash back in the form of MCO tokens depending on what type of card you have. Also, if you happen to avail the card with MCO stake feature, you can avail the perks of up to 100 percent cash back on Spotify and Netflix. You may also enjoy the 10 percent reward on Expedia and Airbnb.

Types of Cards

The perks, limits, and services that you can avail are different based on the kind of MCO Visa card you have. However, one thing is for sure. You can use it anytime and anywhere as long as Visa is available in the area. Guaranteed cashback is the biggest perk whether you can stake the MCO minimum for your card or not.

There are seven different card types, which are the Midnight Blue, Ruby Steel, Jade Green, Royal Indigo, Icy White, Frosted Rose Gold, and Obsidian Black. The Midnight Blue is the most basic among the seven cards, and the Obsidian Black is the most desirable for its perks and limits.

Moreover, you only have to be mindful of the few transaction fees, which will only occur upon exceeding the monthly limit on withdrawals and interbank exchange rate for your card. Other than these transactions, you do not have to worry out the monthly and issuance fee.

Crypto.com does not take any commission on your purchases when you use your card. Besides, it provides cash back perks. Therefore, if you buy a 3.75 USD tall cappuccino on Starbucks, expect that to only pay 3.75 USD from your crypto assets.

You can also deposit as much as you like. If you stake on MCO and reach the minimum requirement, you can enjoy the additional perks of rebates and cashback on Netflix, Spotify, Airbnb, Expedia.

If in case you did not stake the minimum MCO for your card, you can still enjoy some cashback, although you cannot enjoy 100 percent of it and the cashback on entertainment and travel sites.

Summary of MCO Cards Limits and Rewards

Midnight Blue Ruby Steel Jade Green Royal Indigo Icy White Frosted Rose Gold Obsidian Black
Minimum MCO Stake none 50 500 500 5000 5000 50000
MCO Rewards for Using MCO Card 1% 2% 3% 3% 4% 4% 5%
Airport Lounge Access n/a n/a Yes Yes Yes, plus one guest Yes, plus one guest Yes, plus one guest
* Airbnb n/a n/a n/a n/a n/a n/a 10%
* Expedia n/a n/a n/a n/a 10% 10% 10%
* Netflix n/a n/a 100% 100% 100% 100% 100%
* Spotify n/a 100% 100% 100% 100% 100% 100%
Interbank Exchange Rate Monthly Limit $2,000 $4,000 $10,000 $10,000 $20,000 $20,000 Unlimited
ATM Withdrawal Monthly Limit $200 $400 $800 $800 $1000 $1000 $1000


No doubt that the MCO Visa card is one of the best crypto card available. With its different types, you can find the right one that can fit your lifestyle, whether you are a homebody or an outdoor person.

Although you can use the MCO Visa Card in different countries, it is only available in the US and Singapore. The virtual card is unavailable too.

If you are the type who does not find MCO staking troublesome, you can enjoy the maximum benefits of this card. Additionally, if you are a frequent traveller and use Spotify and Netflix often, the MCO card can be the best crypto card for you.