Crypto.com Visa Card vs Nexo Card
How does Crypto.com Visa Card compare to Nexo Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Nexo Card · provisional, see how we rate
| Feature | Crypto.com Visa Card | Nexo Card |
|---|---|---|
| Our score | 7.3/10 | 7.8/10 |
| Type | Prepaid | Credit |
| Networks | Visa | Mastercard |
| Rewards | Up to 4.5% back in CRO on spending, tiered: Ruby Steel 1.5% (up to $750/mo), Royal Indigo 2.5% (up to $1,500/mo), Rose Gold 3.5% (up to $3,000/mo then 0.5%), Obsidian 4.5% (up to $5,000/mo then 1%); Midnight Blue 0% | Up to 2% crypto cashback in Credit Mode, tiered: Platinum 2% NEXO or 0.5% BTC, Gold 1% NEXO or 0.3% BTC, Silver 0.7% NEXO or 0.2% BTC, Base 0.5% NEXO or 0.1% BTC (cashback requires balance above $5,000 in digital assets) |
| Annual fee | Midnight Blue free; Ruby $4.99/mo or $49.90/yr (or $500 CRO stake); Royal Indigo $29.99/mo or $299.90/yr (or $5,000 CRO stake); higher tiers require CRO stake | No monthly, annual, or inactivity card fees |
| FX fee | 3% on non-USD purchases and ATM withdrawals (Midnight/Ruby/Jade/Indigo); no FX fee (Rose/Icy/Obsidian) | Weekdays: 0.2% (EEA/UK/CH), 2% (rest of world); Weekends: 0.7% (EEA/UK/CH), 2.5% (rest of world) |
| ATM fee | 2% on amounts above the monthly free ATM limit; free limit $200-$1,000/mo depending on tier | Free ATM withdrawals up to a monthly allowance that varies by tier (e.g. Platinum up to €2,000 / £1,800 per month); 2% fee (min €/£1.99) above the free allowance |
| KYC | Full | Full |
| Custody | Custodial | Custodial |
| Supported coins | Rewards paid in CRO | Cashback paid in NEXO or BTC |
| Availability | — | Selected European countries, including the EEA and the United Kingdom |
| Apple / Google Pay | — | Yes |
Choosing between the Crypto.com Visa Card and the Nexo Card depends on your specific needs and preferences. Both offer cashback rewards but differ in structure, fees, and availability.
Choose Crypto.com Visa Card if…
- You want higher cashback rates (up to 4.5%) on everyday spending with CRO rewards.
- You are willing to stake or lock up CRO tokens to unlock higher tier benefits, such as no foreign transaction fees on the Rose Gold/Icy White/Obsidian tiers.
- You prefer a prepaid card model and are comfortable with a custodial wallet.
- You are looking for a free base tier option (Midnight Blue) with no annual or inactivity fees.
- You are comfortable with a full KYC process and are not restricted by country availability.
Choose Nexo Card if…
- You prefer a credit card model with the flexibility to switch between Credit and Debit modes in-app.
- You want a card with no monthly, annual, or inactivity fees.
- You are based in a supported European country, including the EEA or the UK, and want to take advantage of low foreign transaction fees (0.2% on weekdays).
- You hold a significant amount of digital assets (over $5,000) and can maintain a high Loyalty tier to access the best cashback rates (2% in NEXO or 0.5% in BTC).
- You value the convenience of using Apple Pay and Google Pay and prefer a Mastercard network.
Bottom line
The Crypto.com Visa Card is ideal for users who are willing to commit to staking CRO to unlock higher rewards and benefits, particularly those who prioritize high cashback rates and are comfortable with a prepaid card model. On the other hand, the Nexo Card is suited for users who prefer a credit card with no additional fees and are based in a supported region. The Nexo Card’s appeal lies in its flexibility and the potential for high cashback rates if you maintain a substantial digital asset balance. Ultimately, your choice should align with your spending habits, geographic location, and willingness to engage with staking or holding digital assets. For more detailed comparisons, visit our rating methodology.