Nexo Card vs Wirex Card
How does Nexo Card compare to Wirex Card? A side-by-side look at fees, rewards, custody and availability.
Higher score: Nexo Card · provisional, see how we rate
| Feature | Nexo Card | Wirex Card |
|---|---|---|
| Our score | 7.8/10 | 7.7/10 |
| Type | Credit | Debit |
| Networks | Mastercard | Visa or Mastercard (varies by region) |
| Rewards | 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) | Cryptoback rewards up to 8% |
| 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 | — |
| Custody | Custodial | Custodial |
| Supported coins | Cashback paid in NEXO or BTC | 200+ cryptocurrencies |
| Availability | Selected European countries, including the EEA and the United Kingdom | 130+ countries (worldwide) |
| Apple / Google Pay | Yes | Yes |
When choosing between the Nexo Card and the Wirex Card, your decision will largely depend on your specific needs, such as where you live, the type of card you prefer, and what features are most important to you. Both cards offer unique advantages, but they cater to different audiences.
Choose Nexo Card if…
- You reside in a supported European country, including the EEA or the United Kingdom, as the Nexo Card’s availability is currently limited to these regions.
- You prefer a credit card that offers the flexibility of switching between Credit and Debit modes directly within the app.
- You are interested in earning crypto cashback, with rates tiered based on your NEXO holdings and portfolio balance. The Nexo Card offers up to 2% cashback in NEXO or BTC, which can be appealing if you maintain a balance above $5,000 in digital assets.
- You value transparency in fees, as the Nexo Card clearly outlines its fee structure, including no monthly, annual, or inactivity fees, and competitive FX rates for EEA/UK/CH users (0.2% on weekdays).
- You appreciate additional features like Apple Pay and Google Pay support, and you do not mind a custodial wallet setup.
Choose Wirex Card if…
- You need a card that is widely available, as the Wirex Card supports over 130 countries worldwide.
- You are interested in earning up to 8% Cryptoback rewards, although the specific conditions and limitations for this high rate are not detailed in the provided information.
- You prefer a debit card over a credit card, as the Wirex Card operates on a debit model.
- You want access to a broad range of cryptocurrencies, as the Wirex Card supports over 200 cryptocurrencies, including stablecoins.
- You are comfortable with the lack of published fee information, understanding that the fee structure may vary by region and is not detailed on the homepage.
Bottom line
The Nexo Card is a strong choice for users who prioritize credit card features, transparent fee structures, and crypto cashback, particularly if they are based in Europe and can meet the balance and loyalty tier requirements. On the other hand, the Wirex Card is more suitable for those who need global accessibility and are interested in a wide variety of cryptocurrencies, despite the lack of detailed fee information. Ultimately, your choice should align with your geographic location, preferred card type, and the features that matter most to you. For more detailed comparisons, visit our how we rate page.