When crypto.com retooled the loyalty stack to level up in early September 2025, it did more than rename the rewards page. It shaped the way exchanges attempt to attract customers. Level-up bundle trading, cards, and cash yields become single tiered memberships that can be accessed by paying a subscription or locking a fixed-term CRO. Headline: Eligible members will exchange stocks with certain cryptocurrencies for zero trading fees. It is a clear, consumer-friendly promise that also serves strategic purposes.
What is the actual level up?
At the heart of this, leveling up is a unified welfare program. Instead of scattered promotions and independent pile card schemes, Crypto.com put most of its consumer-oriented benefits under one roof and made them available through two routes: a monthly/annual subscription or CRO lockup that grants (or better) perks equivalent to a 12-month period.
Tiers range from basic (free) to plus, pro, and VIP style private tiers. Each step increases transaction allowance, card cashback paid in the CRO, and cash eel return.
- Plus ($4.99 per month): There is no transaction fee of $20K per month. 4.5% PA in cash; 2.0% return to card spending code. 0% foreign exchange fee.
- Pro ($29.99/month): Zero trading fees up to $50,000 per month. 5% PA of cash; 3.0% will return to card spending code. 0% foreign exchange fee.
- Private ($50,000 or $500,000 per year): CRO Lockup tier (12 Month Lockup) has the highest card cashback (4-6% back), 5.0% PA cash, and additional CRO Lockup rewards (8.5%-9.5% CRO Lockup rewards at the displayed threshold). Private also lists “Unlimited Transaction Volume” and the addition of VIP Style.
Landing and local help pages emphasize that certain availability, pricing, and features are subject to local jurisdiction, publisher partners, and product terminology.
Headline perks you will notice
If you use crypto.com regularly, the ability to actually move the needle is simple.
- Zero trading fee: There is no transaction fee for monthly trading volumes (tier dependent) or unlimited volume allowances at the private level. This can significantly reduce the costs of active traders.
- Rewards for cards paid in CRO: Plus and Pro show back rates of multiple times per cent of card spend (sites show up to 4-6% for private lockup tier, such as 2%-3% back in paid tier).
- Cash yield:crypto.com advertises Idol Fiat Balance’s market competitive APY (site displays up to 5% APY in cash).
- CroStaking harvests and earns bonuses:Stakes under Level Up umbrella involve enhanced CRO rewards and extra APY for fixed period allocations for private level lockups. CROs with 12 months lock-in in a particular configuration have up to 9.5%.
These benefits are useful, but they are also conditional. The exact cashback rate, cash therapy, and zero fee limits depend on the country and the tier you choose.
Why Crypto.com built a level up
Three practical drivers explain the shift. First, simplicity: When dozens of promotions are integrated into a single product, marketing and user experience become a cleaner. Secondly, token utility: offer benefits via subscription or CRO lockup. The user is the user to keep the CRO.
Third, repeat revenue: subscriptions diversify the company’s revenue from unstable transaction fees. Combination is the thinking of textbook products and tokens. We aim to be attractive to our users while working with Corporate Economics.
Practical tradeoffs for users
Leveling up is not an unconditional wind drop. There are trade-offs. If you are an active trader or a heavy card spender, zero-fee trading and CRO cashback can generate actual, concrete savings that exceed the modest monthly fee or opportunity costs of CRO lockup.
But if you’re a casual user, math can be turned over. The risk of a subscription fee or a 6-12 month token lockup can easily exceed what you get with rewards. There is also legacy friction. Users with old CRO lockups and grandfather’s interests reported confusion and, in some cases, reduced perks during the transition.
That sentiment has emerged in community threads like Reddit, and has emerged in social debate since its launch. For those already profiting under the older model, the transition FAQ and local conditions are a must-see.
Promotions and early adoption incentives
Crypto.com didn’t just flip the switch. We promoted launch promotions: subscriber reward pools, CRO award campaigns, limited time bonuses related to sign-ups and referrals. These promotions will give the first month or two a particularly advantageous option for new members. The short term benefits are people can try out the product and stay (it’s hoping).
How to decide (quick checklist)
If you are considering taking part in leveling up, run a short, specific test.
- Estimate monthly card spending and annualize CRO cashback earned in realistically held tiers.
- Estimate the monthly trading volume and how much you can save on zero-fee trading.
- Compare these two benefits to the opportunity cost and risk of locking a CRO for 12 months with subscription costs or risk.
- For legacy users, please check the Regional Level Up Page and Migration FAQ. Numbers vary by market.
Simply put, if the total savings from trading + card + cash yield exceed the subscription/lockup cost on a reasonable time horizon, leveling up is worth it.
Final Thoughts
Leveling up is a clear and wise evolution of a product. Simplify Crypto.com’s vast perks, set the front and center of attractive consumer promises (zero trading fees) and create more value with CRO Holdings. But it also reintroduces options (subscription or betting) and creates migration friction for existing users who feel they have lost something during the transition.
