Exploring Crypto.com's Level-Up: How It Integrates Rewards into Daily Finance

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Crypto.com operates as a platform dedicated to accelerating the world's transition to cryptocurrency. Founded in 2016, the company provides tools for buying, selling, and managing digital assets, alongside traditional financial services like debit cards and rewards on uninvested cash. It serves millions of users globally, emphasizing security and accessibility.  At its core, Crypto.com aims to make cryptocurrency practical for everyday use, bridging the gap between crypto and conventional money management.

Enter Level-Up, Crypto.com's subscription program. Launched in its revamped form on September 2, 2025, it builds on the platform's existing offerings by bundling rewards, savings options, and lifestyle perks into a single package.  Users can choose from tiers—starting at a basic monthly fee—that enhance their experience across trading, spending, and investing. This isn't just about crypto trading; it's a way to combine financial tools that reward consistent engagement. 

For those already using the Crypto.com app or crypto.com/us/cards Visa Signature credit card, Level-Up is able to integrate seamlessly, automatically enabling benefits for cardholders.

Why Level-Up?

Traditional banking often keeps savings, investments, and rewards in separate silos. You might have a checking account with low interest, a credit card with limited cashback, and investment apps that charge fees for every trade. Single-purpose apps add to the fragmentation— one for stocks, another for crypto, and yet more for subscriptions like streaming services. This setup can make managing finances feel disjointed, especially for people juggling multiple accounts.

Level-Up addresses this by creating an interconnected ecosystem. It ties together rewards on uninvested cash, rewards on card purchases, reduced trading costs, and even rebates on popular services. Through the Crypto.com app, subscribers access these features in one place. 

The program rewards users for activities like depositing cash, trading assets, or using the linked "crypto.com/us/cards Visa Signature credit card. It's designed for those who want more from their platform without switching between apps. Recent updates have expanded its scope, incorporating zero trading fees and bonuses for stock transfers, making it relevant for a broader range of financial activities.

Key Features

Level-Up stands out through its structured tiers: Plus, Pro, and Private. Each offers escalating benefits, with pricing starting at $4.99 per month for Plus. Subscribers can opt for monthly or annual plans, or for the Private tier, a 12-month lockup of Crypto.com's native token, CRO. Here's a breakdown of the core elements.

Interest on Cash

One of the program's anchors is its high-yield option for uninvested cash. Users can earn up to 5% APY on idle cash balances, with no lock-up periods or minimum requirements. For the Plus tier, that's up to 4.5% APY; Pro and Private bump it up to 5%. This applies to fiat currency held in the app, providing a competitive alternative to traditional savings accounts. 

Interest compounds monthly and pays out monthly in CRO, directly into the user's wallet. Keep in mind, rates can vary based on market conditions, and they're subject to Crypto.com's terms.  It's a straightforward way to grow savings without some of the volatility often associated with crypto holdings.

Rewards on Spending

Linked to the Crypto.com Visa Signature Credit Card, Level-Up enhances rewards paid in CRO. Rates depend on the tier and card level. Plus, users can get 3.5% back on purchases with the Ruby card. Pro offers up to 4.5% with Jade or Indigo cards. Private tier subscribers can earn 5% to 6% using Icy, Rose, or Obsidian cards. 

These rewards are uncapped in many categories, applying to everyday spending like groceries, dining, or online shopping. Regionally, rates might adjust—for instance, some areas cap certain categories—but the structure encourages using the card for routine expenses. Rewards credit instantly, convertible to other assets, or used for more purchases.

Netflix & Spotify Rebates

A practical perk comes in the form of rebates for popular streaming services. Higher tiers reimburse the cost of Netflix and Spotify subscriptions when paid with the Crypto.com Visa Signature Credit card. For example, Jade and Indigo cardholders (aligned with Pro) get full rebates on standard plans. Private users with premium cards enjoy the same, often covering family plans. 

This offsets monthly bills, effectively making these services free. Users activate it by charging the subscription to their card, and the rebate appears as CRO in their account. It's limited to one account per service, but it adds tangible value for entertainment enthusiasts.

Waived Trading Fees*

Trading on Crypto.com becomes cost-free under Level-Up. All tiers eliminate fees for buying, selling, or swapping over 400 cryptocurrencies in the app. This covers spot trades, with no hidden charges for most transactions. For active traders, this can save significantly over time—especially compared to platforms that charge 0.1% or more per trade. 

The feature rolled out in the September update, applying automatically to subscribers. Note that it doesn't cover advanced features like futures or options, which may have separate costs. Still, for everyday crypto management, it's a clear advantage.

Stock & ETF Transfer Bonus

Targeted at U.S. users, this benefit rewards transferring stock or ETF portfolios into Crypto.com. Plus tier gets a 1.25% bonus on the transferred value, while Pro and Private offer 2.5%. The bonus pays out in CRO, with a cap based on the tier—up to certain limits outlined in the terms. It's available only for eligible creators or investors in the U.S., requiring verification. 

This encourages consolidating investments on the platform, where users can then trade stocks alongside crypto without fees in many cases. Transfers must meet minimums, and processing takes a few days, but it's a one-time boost for building a diversified portfolio.

Accessibility & Lifestyle

Crypto.com positions Level-Up as inclusive, with the mantra that crypto is for everyone. Onboarding is simple: Download the app, verify identity, and select a tier. No advanced knowledge required—the interface guides users through setup, from funding accounts to activating perks. It's user-friendly, with tutorials and support for beginners. Security features like two-factor authentication and compliance certifications add peace of mind.

Consider a day in the life of a typical user. Sarah, a 32-year-old marketing professional, starts her morning depositing her paycheck into her Crypto.com account. It earns 5% APY quietly in the background. She grabs coffee using her Crypto.com Visa credit card, earning 4.5% rewards in CRO. At lunch, she trades some Bitcoin fee-free during a market dip. Evening brings relaxation: Her Netflix streams without extra cost, thanks to the rebate. On weekends, she transfers stocks from another broker, pocketing a 2.5% bonus. It's seamless—rewards accumulate without effort, blending crypto into her routine. 

For someone like Mike, a freelance designer, the free Spotify keeps his playlist going while rewards from client payments build his savings. These scenarios show how Level-Up fits into real life, turning financial tools into habits.

Risk-Free Entry

Trying Level-Up doesn't require a long-term commitment. Crypto.com offers a 30-day free trial, allowing users to explore all features without upfront cost. During this period, access zero-fee trading, test rewards on idle cash, and activate card perks. If it fits, continue with a subscription; otherwise, cancel easily through the app. This removes barriers, letting people experience the ecosystem firsthand. Trials apply to new subscribers, with full benefits active from day one. It's a low-pressure way to assess value, especially for those curious about integrating crypto into their finances.

Level-Up now

Level-Up provides a unified approach to managing wealth, combining crypto rewards with everyday financial tools. It encourages users to take their wealth to the next level by leveraging these integrated benefits.

Start your 30-day free trial on the Crypto.com App today.

* Other transaction fees and spread may apply

Important Information: This is content sponsored by Crypto.com. It does not constitute investment advice, nor is it a solicitation to buy or sell any crypto asset. Trading cryptocurrencies involves risks, including price volatility and market uncertainty. Services, features, and benefits mentioned may be subject to eligibility requirements, and token holdings, and may change at the discretion of Crypto.com. The Crypto.com Visa Signature® Credit Card is subject to credit approval. 

_Disclaimers: 

_{Your subscription to the Level Up Program tier you selected will continue until you cancel. If you do nothing, Crypto.com will charge the payment method you selected in the amount required to cover the cost of the subscription. If you selected a monthly payment plan, your payment method will be charged monthly. If you selected an annual payment plan, your payment method will be charged annually. If you qualified for the subscription by locking up or staking CRO, you will not be charged a fee. However, if your staked or locked up CRO falls below the required amount, you will no longer be eligible for the program benefits. You may cancel your subscription at any time by selecting Cancel Subscription under Manage Subscription under Level Up in the Crypto.com App. Whether you are eligible to receive a refund and, if you are eligible, whether the refund is full or partial is determined by the terms and conditions and the Level Up Program FAQs. Read Appendix 11 of the Crypto.com App and Web Terms and Conditions and the Level Up Program FAQs.}

_{Participating in Level Up does not guarantee access to all services or benefits. Services and potential benefits remain subject to local jurisdictional requirements, availability, and terms and conditions, among other things. Consult the terms and conditions of the applicable service.} 

_{For residents of California, Maryland, New Jersey and Wisconsin, by participating in the CRO Lockup, you agree to store the required amount of CRO with Crypto.com. For all other US residents, by participating in CRO Lockup, you agree to designate the required CRO for on-chain staking. See Addendum 11 of the Crypto.com App and Web T&Cs.}

_{The Crypto.com Prepaid Visa Card is issued by Community Federal Savings Bank (Member FDIC), pursuant to a license from Visa U.S.A. Inc.}

_{Crypto.com  Visa Signature® Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc. Visa is a registered trademark of Visa International Service Association and used under license. Rewards are provided by Crypto.com  and its terms may change at any time. For full Rewards Terms and Conditions, please see https://crypto.com/document/us_credit_card.}

_{USD balances in the Cash Account are held by Green Dot Bank. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. Crypto.com is a financial technology company, not a bank, and banking services are provided by Green Dot Bank, Member FDIC. Neither Green Dot Bank, Green Dot Corporation, nor Visa U.S.A., nor any of their respective affiliates, provide or are responsible for Crypto.com’s products or services including the Level Up program.}

_{Annual Percentage Yield (APY) is accurate as of September 2025 and is paid monthly in the form of CRO on the average daily balance in the Cash Earn Account. If the account is in good standing. We may, at our discretion, change the corresponding APY, at any time. Fees may reduce earnings on your account. See http://help.crypto.com/en/articles/11549762-rewards-and-fees-cash-earn-account-united-states for all applicable APY and interest tiers for the USD Cash Earn Account.}

_{Securities are being offered to U.S. persons through Foris Capital US LLC. Foris Capital US LLC is an SEC-registered broker-dealer and member FINRA and SIPC. All stock deposit bonuses are provided by and subject to Foris Capital US LLC's sole discretion. All amounts shown are representative.}

_{This offer is launched by Crypto.com independently, and there is no partnership between Crypto.com and the merchants in this offer. Crypto.com has sole discretion to modify this offer at any time. Note that you can only enjoy Spotify / Netflix rebates up to $13.99 per month. For example, if you hold a Jade Prepaid Debit Card from Dec. 1, 2024, and a Jade Credit Card from July 1, 2025, you will only enjoy Spotify and Netflix rebates from Dec 1, 2024, to May 31, 2025. You will not enjoy the rebates on your Credit Card thereafter.}