hi Card vs Nexo Card
How does hi 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 | hi Card | Nexo Card |
|---|---|---|
| Our score | 6.6/10 | 7.8/10 |
| Type | Debit | Credit |
| Networks | Mastercard | Mastercard |
| Rewards | Spend Rewards paid in HI token, by membership tier — CURRENTLY SUSPENDED (HI, Crypto and Fiat Spend Rewards suspended until further notice) | 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 | — | No monthly, annual, or inactivity card fees |
| FX fee | — | Weekdays: 0.2% (EEA/UK/CH), 2% (rest of world); Weekends: 0.7% (EEA/UK/CH), 2.5% (rest of world) |
| ATM fee | — | 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 | 100+ cryptocurrencies to buy/sell; card funded from IBAN (EUR/GBP) or crypto holdings | Cashback paid in NEXO or BTC |
| Availability | EEA countries and the UK | Selected European countries, including the EEA and the United Kingdom |
| Apple / Google Pay | — | Yes |
When choosing between the hi Card and the Nexo Card, the decision largely depends on your specific needs and preferences regarding rewards, card type, and additional features. Both cards offer unique benefits but are tailored to different user profiles.
Choose hi Card if…
- You want to earn rewards in the HI token: Although the Spend Rewards are currently suspended, the hi Card offers the potential to earn rewards in HI tokens based on your membership tier. If you are interested in the HI ecosystem, this card might be appealing once the rewards resume.
- You are looking for staking opportunities: The hi Card allows you to stake HI tokens and earn Boosters up to 50% APY on crypto deposits. This feature can be attractive if you are interested in earning additional returns on your crypto holdings.
- You are based in the EEA or the UK: The hi Card is available in the EEA countries and the UK, making it a suitable option if you reside in these regions.
- You prefer a debit card: The hi Card is a debit card, which might be more suitable for those who prefer not to use credit.
Choose Nexo Card if…
- You want up to 2% crypto cashback: The Nexo Card offers up to 2% crypto cashback in Credit Mode, which is tiered based on your loyalty level. This can be a significant benefit if you are looking to earn cashback on your purchases.
- You prefer a credit card with no fees: The Nexo Card has no monthly, annual, or inactivity fees, making it a cost-effective option for those who want to avoid these charges.
- You have a substantial digital asset portfolio: To qualify for the highest cashback tier, you need to maintain a balance above $5,000 in digital assets. If you have a significant portfolio, this card can be very rewarding.
- You are interested in wallet payments: The Nexo Card supports wallet payments, allowing for more flexibility in how you manage your funds.
- You are based in selected European countries: The Nexo Card is available in selected European countries, including the EEA and the UK, making it a good option if you reside in these areas.
Bottom line
Ultimately, the choice between the hi Card and the Nexo Card hinges on your priorities. If you are interested in the HI token and staking opportunities, the hi Card might be the better choice. However, if you are looking for a credit card with substantial cashback rewards and no fees, the Nexo Card could be more suitable. Consider your financial habits and preferences to make the best decision. For more detailed comparisons, visit our ratings page.