Crypto.com Card scores higher overall (6.8 vs 6.5 on our preliminary scale), but Nexo Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Head-to-head
| Feature | Crypto.com | Nexo | Better |
|---|---|---|---|
| Cashback without staking | 0% | 0.5% | Nexo |
| Best cashback | Up to 4.5% | Up to 2% | Crypto.com |
| Issuance fee | €4.99 | Free | Nexo |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | 2% | 0.7% | Nexo |
| Available in US | Available | Not available | Crypto.com |
| Available in UK | Available | Available | Tie |
| Available in EEA | Available | Available | Tie |
| Network | Not verified | Mastercardsource | — |
| Card type | Prepaid | Debit / credit | — |
| Staking or paid plan for best rate | Yes | Yes | — |
| Top-up | Free from Crypto Wallet / Cash Account; 1% by debit/credit cardsource | Not verified | — |
| Free ATM per month | €200 (Midnight) / €400 (Ruby) / €800 (Jade, Indigo, Icy, Rose) / €1,000 (Obsidian), then 2%source | €200/£180 (Base), €400/£360 (Silver), €1,000/£900 (Gold), €2,000/£1,800 (Platinum); then 2% (min €1.99/£1.99)source | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
Crypto.com Card: entry-tier cashback 0%source, best rate Up to 4.5%source, paid in CROsource. The best rate needs a token stake, holding or paid plan.
Nexo Card: entry-tier cashback 0.5%source, best rate Up to 2%source, paid in NEXO or BTC (user choice)source. The best rate needs a token stake, holding or paid plan.
Fees compared
Example: you spend $1,000 a month on the entry tier, 20% of it in a foreign currency, and fund the card for free. Yearly result = entry-tier cashback − FX fees − monthly fees × 12.
| Card | Cashback | FX fees | Card fees | Net per year |
|---|---|---|---|---|
| Crypto.com Card | $0 | −$48 | −$0 | −$48 |
| Nexo Card | $60 | −$17 | −$0 | $43 |
Ignores issuance fees, ATM use, caps and token price moves. Fees are in each issuer’s currency for the region shown in the review. Run your own numbers.
Availability
Both issuers require identity verification (KYC). Not legal advice; an issuer can refuse any applicant.
Choose Crypto.com Card if…
- You can reach the top tier: the best advertised rate is 4.5%.
- You live in the US, where Crypto.com Card can be issued and Nexo Card is not offered.
- You are looking for a card for tiered rewards if you already hold CRO.
Choose Nexo Card if…
- You want cashback without staking — 0.5% on the entry tier versus 0%.
- You often pay in foreign currencies — the entry-tier FX fee is 0.7% versus 2%.
- You want to keep fixed card fees as low as possible.
- You are looking for a card for borrowing against crypto instead of selling it.
FAQ
Which is better, Crypto.com Card or Nexo Card?
Crypto.com Card scores higher overall (6.8 vs 6.5 on our preliminary scale), but Nexo Card can still be the better choice depending on where you live and how you spend — see “Which to choose”.
Can I get Crypto.com Card or Nexo Card in the US?
Crypto.com Card: Available. Nexo Card: Not available. Availability can change; check the issuer’s site before applying.