This Crypto.com Canada review covers what the platform offers Canadians in 2026: a crypto app with 400+ cryptocurrencies, all tradable in Canadian dollars, a prepaid Visa card whose rewards depend on a paid Level Up plan, and an Advanced orderbook for active traders. The main thing to know is that the free Midnight Blue card now earns 0% in rewards, so the card’s value rests on whether a paid tier pays for itself. This review is general education, not financial advice; crypto prices can fall sharply.
Related reading: the NDAX review for Canadians, the Wealthsimple Crypto review, the complete Wealthsimple guide and all Canadian credit card guides.
Crypto.com Canada at a glance
| Feature | Price or CRO lockup | CRO rewards on everyday spending |
|---|---|---|
| Midnight Blue | free | 0% (better on this row) |
| Ruby Steel (Level Up Plus) | CA$6.99 a month, CA$69.90 a year, or a CA$650 CRO lockup for 12 months | 1.5% back in CRO on the first US$750 of qualifying purchases a month |
| Jade Green / Royal Indigo (Level Up Pro) | CA$39.99 a month, CA$399.90 a year, or a CA$6,500 CRO lockup for 12 months | 2.5% back in CRO on the first US$1,500 of qualifying purchases a month |
| Icy White / Rose Gold | a CA$65,000 CRO lockup for 12 months | 3.5% back in CRO on the first US$3,000 of qualifying purchases a month, then 0.5% |
| Obsidian | a CA$650,000 CRO lockup for 12 months | 4.5% back in CRO on the first US$5,000 of qualifying purchases a month, then 1% |
Source: Crypto.com's Canadian card page (crypto.com/ca/cards), checked October 7, 2026. Rewards are paid in CRO and can change at Crypto.com's discretion; the rates on this page replaced higher ones shown on September 30, 2026.
YieldMaple checked Crypto.com’s Canadian card, Level Up, App, security and licences pages on October 7, 2026. The Midnight Blue card is free and earns 0% in CRO rewards. Ruby Steel costs CA$6.99 a month, CA$69.90 a year, or a CA$650 CRO lockup for 12 months and pays 1.5% back in CRO on the first US$750 of qualifying purchases a month. Jade Green / Royal Indigo costs CA$39.99 a month, CA$399.90 a year, or a CA$6,500 CRO lockup for 12 months and pays 2.5% back in CRO on the first US$1,500 of qualifying purchases a month. Icy White / Rose Gold needs a CA$65,000 CRO lockup for 12 months for 3.5% back in CRO on the first US$3,000 of qualifying purchases a month, then 0.5%, and Obsidian needs a CA$650,000 CRO lockup for 12 months for 4.5% back in CRO on the first US$5,000 of qualifying purchases a month, then 1%.
How do the Crypto.com Visa card tiers work in Canada?
Your Level Up plan decides your card tier: you apply after joining Level Up, and your Level Up plan decides which card tier you can get. The card is a prepaid card that you top up, not a credit card, and in Canada it is loaded only with Canadian dollars (not crypto), with all transactions in Canadian dollars. Rewards are paid in CRO, deposited to your Crypto Wallet after every eligible transaction.
Beyond the reward rate, the tiers differ on subscription rebates (none on Midnight Blue; 3 months of Spotify and Truth+ on Ruby Steel; 6 months of Spotify, Netflix and Truth+ on Jade Green / Royal Indigo; permanent on Icy White / Rose Gold and Obsidian) and ATM limits ($7,000 CAD a month on Midnight Blue and $15,000 CAD a month on the paid tiers). Crypto.com’s Canadian Level Up page lists 0% foreign exchange fees on the Plus, Pro and Private tiers, up to a limit the page doesn't state, while its card page says exchange rates are set by your jurisdiction and card tier, with details in the Cardholder Agreement you get when you apply, so the cardholder agreement for your tier is the document to check before relying on foreign spending. Level Up starts with the first 30 days free. The card is issued by Digital Commerce Bank and offered by Foris, Inc., and all card benefits are subject to change at Crypto.com's sole discretion.
Is a paid Crypto.com card tier worth the fee?
A paid tier covers its fee once monthly card spending passes about $388.33 on Ruby Steel or $1,333.00 on Jade Green / Royal Indigo, using yearly billing and valuing CRO at the price when it is paid. Monthly purchase limits cap the upside: Ruby Steel’s 1.5% applies to the first US$750 of qualifying purchases a month, or the equivalent in local currency, and Jade Green’s 2.5% applies to the first US$1,500 of qualifying purchases a month, or the equivalent in local currency, per Crypto.com’s Level Up page. Crypto.com lowered these rates between September 30 and October 7, 2026, so older figures no longer apply.
| Monthly card spending (example) | Ruby Steel: rewards a year minus CA$69.90 a year | Jade Green / Royal Indigo: rewards a year minus CA$399.90 a year |
|---|---|---|
| $300 | −$15.90 | −$309.90 |
| $500 | $20.10 | −$249.90 |
| $750 | $65.10 | −$174.90 |
| $1,500 | Past Ruby Steel’s monthly purchase limit | $50.10 |
The examples are in Canadian dollars and assume the spending falls inside each tier’s monthly purchase limit. Those limits are set in US dollars, so their Canadian-dollar equivalent moves with the exchange rate.
On monthly billing the plans cost more: $83.88 a year for Ruby Steel and $479.88 for Jade Green / Royal Indigo, which is more than the $450 a year the last row of the table earns. Jade Green’s other benefits, such as its zero-fee trading limit and subscription rebates, have to carry the rest. And every figure in the table assumes CRO holds its value between the purchase and the moment the rewards are sold or spent; if CRO falls, the rewards are worth less.
For comparison, the Tangerine Money-Back Credit Card has a $0 annual fee and pays 2% in two categories you choose (three if rewards go to a Tangerine Savings Account) and 0.5% on everything else, in cash rather than a crypto token.
What are Crypto.com’s trading fees in Canada?
Crypto.com’s Canadian pages don’t publish a standard App trading fee for non-subscribers; they advertise zero trading fees with Level Up, within limits. Per the Canadian homepage, zero trading fees only up to each Level Up tier's transaction limit; other fees and the spread may still apply. Level Up Plus includes zero trading fees on up to US$20K of trades a month (other fees and the spread may still apply), and Level Up Pro includes zero trading fees on up to US$50K of trades a month (other fees and the spread may still apply).
The App’s fee table lists 0.00% to deposit crypto, 0.00% to exchange crypto to crypto, and a withdrawal fee that varies by coin, and CAD funding is zero-fee CAD deposits by Interac e-Transfer and Apple/Google Pay. Active traders can use Crypto.com Advanced, the orderbook platform, where maker and taker fees are listed as low as 0.08% maker and 0.18% taker; those are the lowest rates on its schedule, not what every trader pays.
Is Crypto.com safe for Canadians?
Crypto.com’s Canadian entity, Foris DAX CAN ULC, is registered with FINTRAC as a money services business and with the Ontario Securities Commission and the Canadian Securities Administrators as a restricted dealer, per its Canadian licences page. That registration means Canadian regulators supervise how it operates; it does not insure your crypto.
Its security page lists mandatory whitelisting of external withdrawal addresses through email verification and multi-factor sign-in options such as passkeys and authenticator codes. Crypto held on any trading platform isn’t a bank deposit, so CDIC deposit insurance doesn’t apply, and crypto price swings are the bigger everyday risk. The alternative to leaving crypto on any platform is a self-custody wallet whose keys you control, which moves the security job to you.
Does Crypto.com have a sign-up bonus in Canada?
Crypto.com’s Canadian App page describes one: its BG25 referral programme, where USD 25 of CRO each for you and the friend who referred you, once you sign up and stake CRO for a Crypto.com Visa Card. The same page ties the bonus to staking CRO for a card, while the Canadian card page says cards now come through Level Up, so the app’s own terms are the ones to confirm before signing up.
Earlier versions of this review described larger stake-back bonuses on higher card tiers. Crypto.com’s Canadian pages checked on October 7, 2026 don’t list those, so they are no longer included here.
How does Crypto.com compare with NDAX, Shakepay and Wealthsimple?
| Feature | Trading cost |
|---|---|
| Crypto.com App | Zero trading fees within Level Up limits (zero trading fees on up to US$20K of trades a month (other fees and the spread may still apply) on Plus) (better on this row) |
| Crypto.com Advanced | as low as 0.08% maker and 0.18% taker |
| NDAX | a flat 0.20% on every buy and sell, with no volume tiers and no maker/taker split |
| Shakepay | no commission; Shakepay earns a spread instead |
| Wealthsimple Crypto | a flat 0.5% trading fee plus a price spread on market orders (the rate without Active Trader status) |
Sources: each platform's own fee page, as recorded in YieldMaple's rates catalog (Crypto.com checked October 7, 2026).
NDAX charges a flat 0.20% on every buy and sell, with no volume tiers and no maker/taker split, which makes it the simplest to price for occasional trades; the NDAX review covers its withdrawal fees too. Shakepay charges no commission; Shakepay earns a spread instead. Wealthsimple charges a flat 0.5% trading fee plus a price spread on market orders (the rate without Active Trader status); the Wealthsimple Crypto review has the details. Crypto.com’s App is cheapest to trade on for Level Up subscribers who stay within their monthly zero-fee limit, and its Advanced platform lists fees as low as 0.08% maker and 0.18% taker.
The verdict
Crypto.com is a registered Canadian crypto platform with a wide coin list (400+ cryptocurrencies, all tradable in Canadian dollars) and free CAD deposits. Its Visa card is the distinctive product, but in 2026 the free Midnight Blue tier earns 0% in rewards, so the card only makes sense on a paid plan.
- Crypto.com fits someone who already holds crypto, spends enough on the card for Ruby Steel’s 1.5% back in CRO on the first US$750 of qualifying purchases a month to exceed CA$69.90 a year, and is comfortable taking rewards in CRO.
- NDAX or Wealthsimple fit someone who buys crypto occasionally and wants a published per-trade fee without a subscription.
- A no-fee cash-back credit card fits someone who wants spending rewards without crypto price risk.
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