Nexo Card
Dual-mode crypto card with up to 2% cashback and credit lines from 1.9% interest
5
+Pros
- Unique dual-mode flexibility (debit and credit)
- No staking lockup required (balance-based tiers)
- Earn daily interest on unspent crypto balance
- Strong regulatory compliance across 199+ jurisdictions
- Low FX fees in Europe (0.2% weekdays)
- Credit lines from 1.9% interest
- Free virtual and physical cards
- Apple Pay and Google Pay support
−Cons
- Requires $5,000 portfolio for physical card and loyalty benefits
- Limited to EEA and UK markets only
- Weekend FX fees higher (0.7-2.5%)
- Cashback only available in Credit Mode
- Virtual card requires $50 minimum
Features
Dual-mode operation (Debit and Credit)Dual-mode operation (Debit and Credit)
Credit lines from 1.9% interestCredit lines from 1.9% interest
Daily interest on unspent balanceDaily interest on unspent balance
Instant virtual card activationInstant virtual card activation
Apple Pay and Google PayApple Pay and Google Pay
Free virtual and physical cardsFree virtual and physical cards
Accepted at 100M+ merchants globallyAccepted at 100M+ merchants globally
Four loyalty tiers (Base, Silver, Gold, Platinum) based on portfolio balanceFour loyalty tiers (Base, Silver, Gold, Platinum) based on portfolio balance
Fee Structure
Trading FeeNot specified (varies by excha
Withdrawal FeeATM withdrawals free up to monthly limit by tier (€200-€2,00
Deposit FeeNone
Signup Bonus
Platinum tier benefits for 30 days
New users receive top-tier Platinum benefits (best yields, lowest rates) for the first 30 days. Ongoing tier determined by portfolio balance. Physical card requires $5,000+ portfolio minimum.
Expert Verdict
Nexo offers a unique dual-mode Visa card (debit and credit) that allows users to spend crypto while earning daily interest on unspent balances. Credit mode enables low-interest crypto-backed loans while earning cashback. Strong European regulatory compliance across 199+ jurisdictions.