Crypto.com Level Up Review

Crypto.com Level Up Review: Quick Overview

Before I dissect everything in this Crypto.com Level Up review, I think it’ll be great to take a quick look at what the program has to offer. The table below should come in handy if you just want the essentials without getting into detail:

Table: Quick overview of Crypto.com Level Up

Now, if you’re new (or just not fully caught up), you might be asking, “So, what is Crypto.com Level Up?".

It’s a unified membership program from Crypto.com that combines all platform perks into a single, easy-to-manage system. Rather than chasing separate promos or completing extra tasks, you can access every benefit through a simple tier structure that adjusts to your chosen plan.

As the company's CEO, Kris Marszalek, put it:

It is now the best subscription program in the industry, period.

Pretty bold statement, don’t you think? But whether you agree with the claim or not, let’s dive deeper into my Crypto.com Level Up review and see if he's actually cooking.

📚 Check Out: Crypto.com Review

Who’s Crypto.com Level Up For?

After going through everything while writing this Crypto.com Level Up review, I found the subscription plan to be quite flexible. The model offers multiple tiers that can fit almost anyone, from newcomers taking their first step into crypto to more experienced users who live and breathe it every day.

I mean, it goes without saying that Level Up mainly benefits active Crypto.com users. Still, it’s worth paying attention to (and maybe even upgrading) if you plan to make it your main crypto platform.

With that said, here are the types of users I think will get the most out of it:

• New users. If you’re just getting started and plan to make Crypto.com your go-to platform, the Basic level is a good entry point. It lets you explore how everything works before deciding if the higher tiers are worth it.
• Active traders. The zero trading fees* alone make Level Up a good deal for anyone buying or selling crypto regularly. Having your fees waived can make a real difference over time, letting you keep more of your profits.
• Frequent travelers. I also found that travelers can get plenty of value here. With airport lounge access for Pro and Private tiers, you can relax before your flight, and the no-FX-fee policy on card transactions makes international spending less expensive.

• Long-term holders. Even if you’re not trading every day, Level Up still rewards you with higher earn rates and staking bonuses. You can also get extra benefits for holding an idle balance, making your assets work while you wait.
• Everyday spenders. If you’re already integrating crypto into your daily life, Level Up’s card perks make spending more rewarding because you’ll earn on spending with the Crypto.com Visa Signature® Credit Card**.

All in all, the membership program seems like a worthwhile subscription to look into. It’s especially valuable if you’re a serious crypto enthusiast who’s deep into the ecosystem and actively using Crypto.com. That said, even if you’re new to the scene, you can still get some nice perks by starting with the free tier.

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Advantages

After spending some time testing it out, I found several Crypto.com Level Up benefits that make the program quite appealing. Here are a few reasons why I think it might be worth subscribing to:

• Unified reward structure;
• Easy entry and upgrades;
• Multiple-tier choices;
• Free digital debit card;
• Flexible cancellation;
• Single in-app control.

If I had to choose one compelling aspect from my Crypto.com Level Up review, it’s how well-organized and approachable the rewards system is. It successfully pulls together dozens of scattered promos into one cohesive program. Everything’s now in one place, making it easier than ever to find the perks that fit your needs.

Plus, you’re no longer tied to lock-ups or required to stake CRO. If you’d rather join the program without adding the Cronos token to your portfolio, you can simply choose the subscription option on debit card spend instead. It’s true that this choice is limited to the Plus and Pro tiers, but it’s still a welcome touch worth noting.

I also like how flexible the tier system is when it comes to perks. It offers something for everyone, from beginners testing the waters to experienced users looking for more rewards. Even if today’s your first day in crypto, you can start with the free Basic tier and move up at your own pace.

Speaking of the Basic tier, you can actually get a free digital Crypto.com Debit Card included. It works anywhere Visa does.

I also like the fair cancellation policy. In case you decide to end your subscription, you can do it anytime from your account and still keep your perks until the monthly billing cycle ends. Plus, if you’re on an annual plan, canceling within 30 days gets you a full refund. Neat!

But of course, everything can be managed directly through the Crypto.com App. You can check your membership status, track your perks, and upgrade your plan easily from a user-friendly dashboard.

Limitations

Well, of course, nothing is flawless. While the new Level Up model does offer some appealing perks, I noticed a couple of limitations:

• High lock-up requirement;
• Limited value for casual users.

In order to really get the most out of Crypto.com Level Up benefits, you’ll need to reach the highest tier. The catch is that it requires locking up a hefty amount of CRO for a year. That’s fine for whales or big-time holders, but for active traders who value liquidity, parking that much capital isn’t ideal.

It also comes down to how much value you get. If you’re trading or spending crypto daily, the perks can save you enough to offset the fees. But if you’re more of a casual user, you might not notice much benefit. The monthly cost or long lock-up period could outweigh the value you get in return.

📚 Check Out: Crypto.com Fees

Level Up Tiers and Perks

At this point in my Crypto.com Level Up program review, you’re likely curious about what each tier includes. If so, let’s break it down and take a closer look at what each level has to offer.

Basically, the Level Up program is divided into four tiers: Basic, Plus, Pro, and Private. Each one comes with its own set of perks and requirements, and naturally, the higher you go, the better the benefits get.

Here’s a breakdown of what you can expect at each level:

Table: Crypto.com Level Up benefits comparison

Keep in mind, though, that these perks can change from time to time. Crypto.com often updates or adds new benefits, and some marked “Coming Soon” might roll out gradually.

Also note that some perks vary by region due to availability and local requirements.^[1] You can check which benefits apply to your area in the app before joining or upgrading your Level Up tier.

Access Methods

As I noted earlier in this Crypto.com Level Up review, you can reach the higher tiers in two ways: through a subscription or by staking/locking up CRO. Here’s a quick breakdown:

Table: Sign-up options for each Level Up tier

As you can see, the subscription option is only available for the Plus and Pro tiers (at the time of writing, at least). If you’re aiming for the higher Private level, you’ll need to lock up or stake your Cronos tokens instead.

Let’s take a closer look at each method in detail!

Subscription

This one’s quite simple. You pay either a monthly or yearly subscription, depending on the tier you choose. It’s a good option if you’d rather not lock up your asset and want to keep things flexible. You can also upgrade, downgrade, or cancel anytime, and your perks will stay active until the end of your billing cycle.

Your subscription starts as soon as you make the payment for your chosen plan. The next billing date will depend on which term you selected:

• Monthly: 30 days after your initial payment;
• Yearly: 365 days after your initial payment.

In case your chosen payment method can’t be charged at renewal, you’ll receive an email and app notification prompting you to update your billing details. If it still fails, your account will automatically move back to the Basic tier, and you’ll have to resubscribe to access your previous Crypto.com Level Up benefits.

Lock-Up/Staking

If you don’t mind converting some of your assets into CRO and locking them up for a while, this route might be the better option. It’s best suited for users who want to unlock the highest rewards and don’t mind a little extra commitment.

Think of it as putting down a kind of “membership deposit” to unlock the perks, and you’ve got two ways to do it:

• Staking: Your CRO tokens are staked directly on the blockchain, helping to secure the network. The rewards you earn are automatically added to your staked balance.
• Lock-up: With this option, your CRO is locked for a set time. While the rates are fixed and non-compounding, it’s a predictable and low-risk option.

Note that whether you can stake or only lock up your CRO depends entirely on your jurisdiction, as staking isn’t permitted in all regions^[2] due to regulations.

📚 Check Out: Staking Crypto: A Beginner's Guide

Here’s a quick look at where it’s available:

Table: Regional availability of Level Up CRO staking and lock-up

Whether you’re in a staking-supported region or not, there’s still a way to join. The app will automatically direct you to whichever option is available in your area, so you don’t have to worry about picking the wrong one.

Pricing and Lock-Up Requirements

Now that we’ve covered the perks of each tier, let’s take a look at how much it costs to join. And to tell you the truth, I was pleasantly surprised to find that the Crypto.com Level Up fees are designed to suit different types of users, scaling based on how involved you want to be.

Here’s the gist of it:

Table: Crypto.com Level Up pricing

All in all, I’d say the Crypto.com Level Up fees are quite reasonable. This is especially true for active users who make the most of what the platform offers, since the perks you earn can offset the costs.

Though the terms are relatively accommodating, I do feel that the one-year lock-up is a bit too limiting for anyone who values freedom with their assets. Offering shorter lock-up options could make the program more appealing to a broader range of users.

Tips on Choosing Your Level Up Tier

After going through Crypto.com Level Up pricing and perks, you might be tempted to give it a shot. Still, it’s completely understandable if you’re not quite sure which tier makes the most sense for you. Here’s a quick self-check to help you decide:

• Will you use Crypto.com as your main platform?
• Do you trade or spend crypto most days?
• Will the fee waivers and CRO rewards likely cover your plan cost?
• Are you okay holding CRO and keeping it locked for a year?
• Do VIP perks and premium lifestyle benefits appeal to you?

If most of your answers were “yes”, I’d say you’ll likely get more value from the higher Crypto.com Level Up tiers. The added perks can make up for the costs if you’re trading or spending crypto regularly. Plus, the lifestyle benefits that come with those tiers are a nice cherry on top.

But if you hesitated on a few, or even said “no” to most, that’s completely fine too. You can always start with one of the lower Crypto.com Level Up tiers to see how it feels, then decide later if you want the extra value or convenience.

Here’s a quick summary to help you visualize where you might fit:

Table: Suggested Level Up tier

Still not sure? Then I’d suggest starting with the Basic tier. See how the perks fit into your routine and track your savings for a month. If the math checks out, you can consider leveling up.

User Experience

When I first heard Crypto.com was overhauling its rewards system, I wasn’t exactly jumping out of bed with excitement. I’ve chased enough promos in the crypto scene to know that, more often than not, it’s a mess of scattered info and complicated rules; more hassle than the perks are worth.

So it was a nice surprise to see the Level Up system bundle everything into one simple program that’s easy to follow and access. From the very start, the overview page clearly lays out the perks, pricing, and requirements.

To get started, I had to choose from three paid tiers, Plus, Pro, and Private, that were available while writing this Crypto.com Level Up review. There’s also a free Basic tier that everyone gets by default. It comes with lighter perks, but it’s a good way to try things before paying.

If this is your first time, you’ll need to create a Crypto.com account and complete its KYC requirements. Since I already had an account, I just opened the app, went to Level Up, chose my tier, then selected the method (subscribe or lock-up). A few taps later, my tier was active and the perks showed up in my account.

Managing your plan after that is just as easy. You can upgrade, downgrade, or cancel straight from the app’s settings. If you choose to cancel, your perks stay active until the current billing cycle ends. Pretty reasonable term, I’d say.

The only downside for me is the rigid multi-year lock-up and the lack of a subscription option for the Private tier.

That being said, it’s a practical subscription program that adds a nice extra layer of reward to the platform. It’s something I’d happily recommend checking out for dedicated crypto enthusiasts.

How to Get Started With Crypto.com Level Up

I’ve talked about what Crypto.com Level Up is, its perks, limits, tiers, pricing, signing options, and everything in between. Still, I feel my Crypto.com Level Up program review wouldn’t be complete without showing you how to get started with the program, in case you’re ready to try it now or sometime soon.

So, here’s how you can join, upgrade your tier, or cancel and downgrade your plan.

How to Join the Program

Before joining, make sure you already have an active Crypto.com account with KYC verified. Once that’s done, just follow these steps:

On the other hand, if you decide to lock up CRO, just follow the on-screen steps to complete the process.

How to Upgrade Your Plan

If you’re ready to jump to a higher tier, you can upgrade your Level Up plan from your account. There are three ways to do it: through a subscription, CRO lock-up, or staking, or by switching from a subscription to a lock-up plan.

In this example, let me show you how it works if you want to upgrade using a subscription route:

How to Cancel Your Plan

Say that you’ve decided to scale back a little and choose to downgrade your subscription plan. If that’s the case, just follow these simple steps:

Once confirmed, your subscription will end after the current cycle ends.

Conclusions

To wrap up this Crypto.com Level Up review, I’d say the program does a good job of organizing rewards into a clear, easy-to-follow structure. It brings everything under one roof and puts top benefits, like zero trading fees* and CRO rewards on spending, front and center.

As a caveat, you’ll need to either subscribe to a plan or lock up some CRO tokens to enjoy those perks. Though the tier options are fairly balanced and flexible, I’d say active traders and frequent spenders stand to gain the most from them.

Disclaimers:

This content is sponsored by Crypto.com and should not be considered as investment advice. Trading cryptocurrencies carries risks, such as price volatility and market risks. Before deciding to trade cryptocurrencies, consider your risk appetite.

* Other transaction fees and spread may apply. Zero trading fees up to the transaction limit specified per Level Up tier.

** Plus', 'Pro', and 'Private' Level Up tiers require a Level Up subscription or CRO lockup or Staking for 12 months from Crypto.com Visa Credit Card account opening. If you do not wish to subscribe or Lockup/Stake, select the 'Basic' tier. Offer is exclusive to Crypto.com Visa Signature® Credit Card holders enrolled in the Level Up program. This rewards program is provided by Crypto.com and its terms may change at any time. For full Rewards Terms and Conditions, please see this document. Crypto.com calculates and awards the amount of CRO tokens earned based on the current market rate at the time of your purchase.

Level Up rewards and availability are subject to terms and conditions and jurisdiction. Certain rewards and benefits are available only in eligible markets and may vary by region. See this page for details.

Credit card offers are subject to credit approval.

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.

Crypto.com Prepaid Visa Card is issued by Community Federal Savings Bank (Member FDIC) pursuant to a license from Visa U.S.A Inc. You can refer to the most updated Crypto.com Prepaid Visa Card Cardholder Agreement here.

The content published on this website is not aimed to give any kind of financial, investment, trading, or any other form of advice. BitDegree.org does not endorse or suggest you to buy, sell or hold any kind of cryptocurrency. Before making financial investment decisions, do consult your financial advisor.

Scientific References

1. Bin Ahsan Z., Gupta A., Kar A. K.: ‘The Effect of Countries’ Independent Regulation on Cryptocurrency Markets’;

2. Rahman J., Rahman H., Islam N., Tanchangya T., Ridwan M., Ali M.: ‘Regulatory Landscape of Blockchain Assets Analyzing the Drivers of NFT and Cryptocurrency Regulation’.