The Level Up program offers an annual return of up to 9.5%.
Users access benefits through subscription or staking in CRO.
In a saturated market of exchanges packed with services, Crypto.com has introduced an innovative membership program called Level Up. This subscription program, which merges trading, traditional banking services and digital payments, has emerged as a truly innovative proposition that transforms the user experience in the cryptocurrency ecosystem and with zero commissions.
Level Up: trading with zero commissions and exclusive benefits
Crypto.com describes Level Up as “the most extensive benefits program in the worldIn practice, it offers users the option to get advanced benefits, either through a monthly/yearly subscription or by staking its native token for 12 months.
Level Up represents the evolution of rewards programs from Crypto.com. They unify investment tools, banking services and rewards for card spending in progressive levels (from a free basic plan to a VIP plan).
In Level Upusers can choose between subscription or staking to access the benefits: the Plus and Pro plans have a monthly or annual cost, while the Private level requires blocking from $50,000 in C.R.O..
This duality attracts both conservatives who prefer to pay in fiat and enthusiasts of the Cronos ecosystem. At the same time, it encourages the holding of the platform’s own token.
How to subscribe to Level Up and trade without commissions?
- Basic (free): access to basic account services (trading and wallet), with prepaid card Jade of Crypto.com.
- Plus ($4.99/month or $49.90/year): operations without trading commissions up to $20,000 per monthcash yield 4.5% APY, 2.0% CRO reimbursement for card spending, and 0% foreign currency exchange fees.
- Pro ($29.99/month or $299.90/year): commission-free trading up to $50,000 per month5.0% APY on cash balance, 3.0% cashback on CRO for each purchase with the card and 0% foreign currency exchange fees. In addition, it includes additional benefits such as access to VIP lounges at airports (Priority Pass).
- Private (blocking CRO): a VIP level for users with large portfolios. Requires locking at least $50,000 (at 8.5% APY) or up to $500,000 (at 9.5% APY) in CRO for 12 months. Offers unlimited trading volume, 5% annual APY in cash and up to 6% cashback on purchases with premium cards such as Obsidian or Icy White. This level includes exclusive boosts, such as an extra 1% annually in the Earn program, paid in CRO.


Each plan incorporates additional returns. For example, Crypto.com highlights that When opening the new Visa Signature credit card, the customer is automatically enrolled in Level Up. This way, you unlock extra benefits, such as refunds on subscriptions and exclusive invitations to events.
Featured Benefits of Level Up Membership
The main attraction of Level Up lies in its combined financial benefits:
- Commission-free trading: Plus and Pro members can trade a certain monthly volume (between $20,000 and $50,000) of cryptocurrencies and stocks without paying trading fees, which is a significant savings for active users. Meanwhile, at the Private level, guaranteed unlimited volume eliminates any commission friction.
- High cash yield: Balances in dollars (or stablecoins) earn up to 5% annual interest (APY), much higher than traditional low-risk accounts.
- Cashback in CRO with cards: All everyday expenses with Crypto.com cards earn CRO back. On a day-to-day basis, this means that purchases in stores or online payments return CRO cryptocurrencies as a reward.
- 0% commissions for foreign currency exchange: Ideal for frequent travelers, Plus/Pro plans and above eliminate foreign currency transaction fees.
- Stock transfer bonus: If the user transfers their stock portfolio from another broker, Crypto.com offers an additional bonus of up to 2.5% on the transferred amount.
- Refunds for digital services: members of Level Up receive full cash back on popular subscriptions (like Netflix or Spotify) up to a certain amount, as part of the “lifestyle rewards” of the program.
- Exclusive experiences: Pro and Private levels include access to special events, such as sporting events or VIP dinners, and even use of VIP lounges at airports (Priority Pass).


In a complementary way, Crypto.com Payits cryptocurrency payments platform, is also integrated into the ecosystem: Pay allows you to make payments with more than 30 assets (BTC, ETH, CRO, DOGE, etc.) with instant settlements and no gas fees.
A unique model in the crypto trading market
While other platforms have tested subscription services, Level Up stands out for its comprehensive reach. For example, Coinbase One (Coinbase subscription service in the United States and other countries) offers commission-free trading of up to $10,000 per month for $29.99/month. However, Level Up goes much further by combining those trading discounts with card rewards, bank returns and “fintech” style advantages.
Level Up simplifies Crypto.com’s scattered promotions and brings them together into one clear offer for the user: “zero commissions” in tradingalong with multiple attractive returns.
The company argues three key reasons behind this design: simplicity, CRO token utility, and recurring revenue. By condensing hundreds of promotions into a single package, the program is easier to digest and by requiring CRO staking at some levels, it strengthens the native token economy.
Ultimately, Level Up is a clear and sensible product evolution that aligns benefits with Crypto.com’s strategy and user interest.
Is it worth subscribing to the Level Up membership program?
For frequent investors and intensive users, Level Up can represent significant net savingsas the value in rewards and commissions saved can far exceed the monthly fee or lock-in cost.
However, casual users should evaluate whether their savings justify the subscription. It is recommended to calculate the benefit by combining trading savings, card cashback and interest received, and compare it with the cost of the subscription or the cost of CRO staking.
In any case, the proposal of Crypto.com expands the financial offer available to the general public and to new investors. By integrating a banking service with cryptocurrency payments, rewards cards and trading with advantageous conditions, Level Up marks a significant step towards “crypto banking.”
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