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Nexo Card

Name: Nexo Card
Brand: Nexo

The dual-mode card: spend borrowed funds against your crypto, or your own balance.

The Nexo Card is unique in toggling between Credit Mode - spending a credit line collateralized by your crypto so you never sell it - and Debit Mode, which spends your balance while unspent funds keep earning interest. For long-term holders in Europe who want liquidity without triggering a sale (and potentially a taxable event, depending on jurisdiction), it has no direct rival.

Go to official site View all cardsData verified: 2026-07

Max cashback

2% (NEXO or BTC)

Monthly fee

$0 monthly, annual or inactivity fees

Custody

Custodial

Regions

Europe

Fees

Monthly fee$0 monthly, annual or inactivity fees

IssuanceVirtual card free (physical card ordering has been paused since early 2025)

FXFX free up to a monthly allowance by loyalty tier, then a small markup; weekend surcharge applies

ATMFree ATM allowance by tier, then a per-withdrawal fee

Cashback

0.5% - 2%Paid in NEXO or BTC

0.5%-2% in NEXO (or a lower rate in BTC) by loyalty tier. Cashback applies to Credit Mode purchases and requires a minimum account balance.

Availability

EEA and UK residents only.

Europe

Pros & cons

Pros

Credit Mode lets you spend without selling your crypto
Interest earned on unspent Debit Mode balances
No monthly or annual fees
Cashback on credit purchases

Cons

EEA and UK only
Best cashback tiers require holding NEXO tokens
Borrowing against crypto carries liquidation risk
Physical card ordering paused

Best for

Long-term holders who refuse to sell
European users
Earning interest while spending

Alternatives

Gnosis Pay

The self-custodial Visa: your keys, your balance, on Gnosis Chain.

Crypto.com Visa

The veteran tiered Visa: rewards scale with the CRO you lock.

Ether.fi Cash

The DeFi-native card: spend against your staked ETH without unstaking.

This is not financial advice. Conditions change frequently: verify fees, cashback and availability on the official site before signing up.

Pros & cons

Pros

Credit Mode lets you spend without selling your crypto
Interest earned on unspent Debit Mode balances
No monthly or annual fees
Cashback on credit purchases

Cons

EEA and UK only
Best cashback tiers require holding NEXO tokens
Borrowing against crypto carries liquidation risk
Physical card ordering paused