ToonPay vs. Crypto.com: Which Card Pays More?

Introduction

Crypto debit cards are gaining popularity, but not all deliver the same value. ToonPay and Crypto.com are two leading platforms — yet their earning models, cashback systems, and staking mechanics differ significantly.

If you're wondering which one puts more crypto in your pocket, this comparison will give you the answers.

Cashback Rewards Compared

ToonPay offers up to 30% cashback paid in $TOON, auto-staked for 365 days at 100% APY. Tiers range from Starter (1%) to Diamond (30%), based on $TOON staked.

Crypto.com offers up to 5% cashback in CRO — but only if you stake significant CRO for 180 days. Without staking, rewards drop to 0–2%.

Verdict: ToonPay delivers significantly higher potential cashback with a wider tier spread.

Staking Model: Flexibility & Returns

ToonPay’s staking is tier-based and transparent. Cashback rewards are automatically staked, offering passive growth without needing to manage the process.

Crypto.com requires you to stake CRO upfront to unlock card tiers. Rewards are lower and APYs vary with market conditions.

Verdict: ToonPay provides automatic, fixed-yield staking — more accessible for users who want simplicity.

Referral & Bonus Ecosystem

ToonPay includes a 10-level referral system that pays in SOL, USDT, and $TOON. You also earn spend commissions, leaderboard bonuses, and access to ToonDrops.

Crypto.com offers a single-level referral bonus in CRO with no tiered depth or recurring commission structure.

Verdict: ToonPay wins for affiliate marketers and influencers seeking long-term income.

App Experience & Card Usage

Both platforms offer a mobile app. ToonPay includes staking, rewards tracking, and tier management. Crypto.com's app focuses on trading and wallet management.

ToonCard can be used globally at millions of merchants, with both virtual and physical (metal) cards available.

Verdict: ToonPay shines for users who want both earning and usability in one place.

Conclusion

While Crypto.com offers a well-known crypto card, its rewards are capped and heavily reliant on CRO staking. ToonPay goes further with 30% cashback, multi-token income, and a full passive income ecosystem.

👉 For high-value crypto spending and daily rewards, ToonPay is the clear winner.

Visit: https://toonpay.io