by Nexo · Austria, Belgium, Bulgaria, Croatia, Cyprus…
Dual-mode Mastercard by Nexo. Credit Mode lets you borrow against your crypto and earn cashback; Debit Mode lets you spend your digital assets. Cashback is available in Credit Mode when your account balance is above $5,000 in digital assets and ranges from 0.5% to 2% in NEXO or 0.1% to 0.5% in BTC depending on Loyalty Tier.
The Nexo Card is a hybrid card on Mastercard, paying up to 2% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
you want up to 2% back on everyday spending
you want a card with no annual fee
THINK TWICE IF
you're not willing to stake or hold a token to reach the headline rate
you want to hold your own keys — this card is custodial
OUR SCORE
How we rate the Nexo Card
3.8out of 5Our assessment, not a user rating
Cost25%4.5 / 5
No monthly, annual or inactivity fee; FX is 0.2% on weekdays and 0.7% at weekends in the EEA, UK and Switzerland, with a free ATM allowance.
Conditions25%4.0 / 5
Cashback needs a $5,000 balance, and Gold's 1% needs about 5% of the portfolio in NEXO. Cashback is only paid in Credit Mode.
Rewards25%2.5 / 5
Gold pays 1% — about $15 at $1,500 spend — in NEXO tokens; the BTC option pays much less.
Reliability25%4.0 / 5
Long-running platform with clear, published card terms.
Nexo Card is a strong crypto card for users who already hold significant assets on Nexo. It combines Credit and Debit modes, up to 2% cashback in NEXO or 0.5% in BTC, useful ATM allowances and no monthly, annual or inactivity fees. However, the $5,000 balance requirement and NEXO portfolio requirements for higher rewards significantly raise the barrier to entry, while FX fees vary by region and day. Overall, Nexo earns 3.8/5 for its strong rewards and mature product, but its eligibility requirements prevent it from reaching the top tier.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
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.
!Physical card requires more than $5,000 in digital assets and at least Gold Loyalty Tier
!Fees and availability can vary by jurisdiction
STANDOUT FEATURES
What sets it apart
✦Dual Credit and Debit Mode
✦Spend against crypto collateral without selling
✦Loyalty-tier cashback in Credit Mode
✦Physical and virtual card options
✦Free ATM allowance increases by Loyalty Tier
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app
ABOUT THIS CARD
Common questions
Where can I use the Nexo Card?
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The Nexo Card is available in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom. Acceptance follows the Mastercard network, so it works anywhere that network is accepted within those regions. Availability by country can change — check the issuer's current list before applying.
Does the Nexo Card have an annual fee?
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Annual fee: Free. Monthly fee: None. Issuance: Free shipping for physical card. Fees can vary by region and tier, so confirm on the issuer's own page.
How much can I earn with the Nexo Card?
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The headline rate is Up to 2% (Credit Mode only: 0.5% NEXO / 0.1% BTC (Base), 0.7% / 0.2% (Silver), 1% / 0.3% (Gold), 2% / 0.5% (Platinum). Requires an account balance above $5,000 in digital assets.). Check the card's reward terms for eligible spending, tiers, caps, and any conditions that apply.
Does it work with Apple Pay and Google Pay?
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Apple Pay and Google Pay are supported.
Figures on this page come from Nexo's published card terms and were verified on October 3, 2026. 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 · EEA/UK/CH: 0.2% weekdays and 0.7% weekends; Rest of World: 2% weekdays and 2.5% weekends FX
