We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Head-to-head
| Feature | Nexo | Wirex | Better |
|---|---|---|---|
| Cashback without staking | 0.5% | 0.5% | Tie |
| Best cashback | Up to 2% | Up to 8% | Wirex |
| Issuance fee | Free | Free | Tie |
| Monthly fee (entry tier) | Free | Free | Tie |
| FX fee (entry tier) | 0.7% | Not verified | — |
| Available in US | Not available | Not available | Tie |
| Available in UK | Available | Available | Tie |
| Available in EEA | Available | With restrictions | Nexo |
| Network | Mastercardsource | Mastercardsource | — |
| Card type | Debit / credit | Prepaid | — |
| Staking or paid plan for best rate | Yes | Yes | — |
| Top-up | Not verified | SEPA free; local card top-up 0% or more depending on currency/countrysource | — |
| Free ATM per month | €200/£180 (Base), €400/£360 (Silver), €1,000/£900 (Gold), €2,000/£1,800 (Platinum); then 2% (min €1.99/£1.99)source | 200 EUR/month free, 2% thereaftersource | — |
Built from the verified facts in each review. “Better” is blank when either value is unverified.
Rewards compared
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.
Wirex Card: entry-tier cashback 0.5%source, best rate Up to 8%source, paid in USDsource. 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 |
|---|---|---|---|---|
| Nexo Card | $60 | −$17 | −$0 | $43 |
| Wirex Card | Can’t calculate: a fee or rate is not verified | |||
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 Nexo Card if…
- You live in the EEA, where Nexo Card can be issued and Wirex Card has restrictions.
- You are looking for a card for borrowing against crypto instead of selling it.
Choose Wirex Card if…
- You can reach the top tier: the best advertised rate is 8%.
- You are looking for a card for cashback without a subscription.
FAQ
Which is better, Nexo Card or Wirex Card?
We can’t pick an overall winner yet: at least one of these cards doesn’t have enough verified data for a score.
Can I get Nexo Card or Wirex Card in the US?
Nexo Card: Not available. Wirex Card: Not available. Availability can change; check the issuer’s site before applying.