EEA + UK (virtual card only — physical card orders paused since Jan 2025)
Where it's available
REWARDS
Earning Up to 2%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 2%, in nexo or btc, paid in NEXO Tokens, BTC.
PLANS & TIERS
Compare the plans
This card has 4 plans. Select one to see its rate, fees and perks.
Base
Requirement: $5,000+ portfolio minimum; no NEXO token holding needed
0.5% NEXO / 0.1% BTC
Cashback
PRICE
Free
ATM FEE
No free ATM withdrawals
FX FEE
0.5% (after €3,000/mo free)
WHAT'S INCLUDED
✓0.5% in NEXO tokens or 0.1% in BTC (Credit Mode only)
✓Free FX up to €3,000/month
✓Virtual card only
✓Requires $5,000 minimum portfolio
Plan
Base
Silver
Gold
Platinum
Cashback
0.5% NEXO / 0.1% BTC
0.7% NEXO / 0.2% BTC
1% NEXO / 0.3% BTC
2% NEXO / 0.5% BTC
Price
Free
Free
Free
Free
ATM fee
No free ATM withdrawals
Free ATM access
Free ATM up to €500/mo
Free ATM up to €2,000/mo
FX fee
0.5% (after €3,000/mo free)
0.5% (after €5,000/mo free)
0.5% (after €10,000/mo free)
0% (after €20,000/mo free)
Requirement
$5,000+ portfolio minimum; no NEXO token holding needed
Hold 1%+ of portfolio in NEXO tokens
Hold 5%+ of portfolio in NEXO tokens; $500+ portfolio
Hold 10%+ of portfolio in NEXO tokens
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0% (up to tier limit, then 0.5%)
ATM withdrawal
Cash withdrawal cost
None for Base; free up to €2,000/mo for Platinum
Crypto conversion
When spending crypto directly
Free
Issuance fee
One-off cost to get the card
Free
ℹ️ In NEXO or BTC
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓No monthly, annual or inactivity fees
✓Up to 2% cashback in Credit Mode
✓Apple Pay and Google Pay
✓Free ATM withdrawals to tier limits
✓No FX fees
LOOK ELSEWHERE IF
!Cashback requires $5k+ balance threshold
!Reward caps per tier
!Physical card requires Gold Loyalty Tier
!Upper tiers need NEXO token holdings
!Not available in US or Asia
STANDOUT FEATURES
What sets it apart
✦Dual Credit and Debit Mode
✦Spend against crypto collateral without selling
✦Loyalty tier cashback structure
✦Integrated with Nexo earn accounts
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app
ABOUT THIS CARD
Common questions
Where can I use the Nexo Card?
+
Does the Nexo Card have an annual fee?
+
How much can I earn with the Nexo Card?
+
Does it work with Apple Pay and Google Pay?
+
Figures on this page come from Nexo's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
NEXO
Up to 2%
No annual fee · 0% (up to tier limit, then 0.5%) FX
