Image: Crypto.com
Image: NexoCrypto.com Visa Card vs Nexo Card
Quick answer
Both are custodial cards from big crypto platforms. Crypto.com is available in more regions (US, Canada, UK, EEA, Asia-Pacific) and pays up to 4.5% in CRO on prepaid cards, but top rates need a Level Up subscription or CRO lockup. Nexo is mainly for Europe, has very low FX on European currencies and a Credit Mode, but pays cashback only in Credit Mode with a $5,000+ portfolio.
Crypto.com Visa Card and Nexo Card compared
| Crypto.com Visa Card | Nexo Card | |
|---|---|---|
| Our score | 6.4/10 | 5.7/10 |
| Best for | People who already use the Crypto.com app and are happy to subscribe or lock CRO for better rewards. | Europeans who hold crypto on Nexo and want to spend against it without selling. |
| Cashback | Up to 4.5% in CRO (prepaid), up to 6% (US credit) | 0.5% to 2% in NEXO (Credit Mode only) |
| Card cost | Varies by region and tier. Check the app. | Virtual card free. Physical card ordering has been paused since January 2025. Replacement physical card 15 EUR/GBP/USD. |
| Annual fee | No annual card fee on prepaid cards. Level Up plans start at $4.99 a month. | None |
| FX | No foreign transaction fees on the prepaid card in the US, Canada and EEA, but fees may apply on some tiers or in some jurisdictions | EEA, UK and Swiss currencies: 0.2% weekdays, 0.7% weekends. Other currencies: 2% weekdays, 2.5% weekends. |
| Conversion | Not publicly listed. Top-ups from crypto use Crypto.com's conversion rate. | Included in the FX figures above |
| ATM | ATM withdrawals supported on prepaid cards. Fees and free limits depend on your region and tier. | Free monthly allowance by loyalty tier: €200 Base, €400 Silver, €1,000 Gold, €2,000 Platinum. After that 2% (minimum €1.99), plus any operator fee. |
| Custody | Custodial (Crypto.com holds your balance) | Custodial (Nexo holds your assets) |
| Network | Visa (Mastercard in Bahrain) | Mastercard |
| Top up with | Crypto from your Crypto.com app balance; Fiat from your Crypto.com fiat wallet (bank transfer where supported); Debit or credit card top-ups in some regions | Deposit crypto or stablecoins to your Nexo account; Buy crypto with bank transfer or card inside Nexo; Use FIATx balances (EURx, GBPx, USDx) in Debit Mode; Credit Mode spends a credit line backed by your crypto, no top-up needed |
| Withdraw by | Move funds back to your Crypto.com app; Withdraw fiat to your bank through the fiat wallet; Withdraw crypto onchain from the app; ATM cash withdrawals | Withdraw crypto to any wallet; Withdraw fiat to your bank; ATM cash withdrawals |
| Where it works | US (prepaid and credit), Canada, the EEA, the UK, Australia, New Zealand, Singapore, Brazil and Bahrain. | Citizens and residents of the EEA and UK. Some trackers also list Argentina, Brazil and Mexico. |
| Last checked | 15 October 2026 | 15 October 2026 |
Which one should you pick?
Crypto.com suits people who want a mainstream app and are happy to pay for a tier that boosts rewards. Nexo suits European holders who want to borrow against crypto and keep FX costs low at home. Outside Europe, Crypto.com is usually the only one of the two you can get.
Frequently asked questions
Which is cheaper abroad, Crypto.com Visa Card or Nexo Card?
On the entry tier, Crypto.com Visa Card has the lower FX markup. Crypto.com Visa Card: No foreign transaction fees on the prepaid card in the US, Canada and EEA, but fees may apply on some tiers or in some jurisdictions. Nexo Card: EEA, UK and Swiss currencies: 0.2% weekdays, 0.7% weekends. Other currencies: 2% weekdays, 2.5% weekends..
Which pays more cashback, Crypto.com Visa Card or Nexo Card?
Crypto.com Visa Card has the higher top rate. Crypto.com Visa Card: Up to 4.5% in CRO (prepaid), up to 6% (US credit). Nexo Card: 0.5% to 2% in NEXO (Credit Mode only). Check caps and requirements on each review.
Are Crypto.com Visa Card and Nexo Card self-custody?
Crypto.com Visa Card: Custodial (Crypto.com holds your balance). Nexo Card: Custodial (Nexo holds your assets).