Nexo Card vs Crypto.com Card

Side-by-side comparison of 2 crypto debit cards

	Nexo Card 2.5/5 custodialmastercard	Crypto.com Card 4.0/5 self_custodialboth
Rating
Overall	2.5/5	4.0/5
Fees
Monthly Fee	€0	No annual fees for base tier
Issuance Fee	Free	See card_tiers - varies by tier and region
Rewards
Max Cashback	20.5%	8%
Features
Apple Pay	Yes	Yes
Google Pay	Yes	Yes
Custody	custodial	self_custodial
KYC Required	full	No KYC
Pros & Cons
Pros	Unique dual functionality allows both direct spending and borrowing against crypto assets No monthly fees and competitive foreign transaction fees compared to traditional banking cards Higher-tier users can access significant benefits (2% cashback, low interest rates, generous limits) Earn up to 14% annual interest on unspent balances in Debit Mode	Generous CRO cashback rates (up to 8% on everyday spending for Prime tier) Travel rewards program offering up to 15% back on travel spending No annual fees for base tier Subscription rebates for popular services (Spotify, Netflix, Truth+)
Cons	Limited geographical availability (currently only EEA and UK, with expansion underway) $5,000 minimum portfolio requirement for cashback and full loyalty benefits limits accessibility Physical card ordering temporarily paused since January 17, 2025 Cashback only available in Credit Mode and requires $5,000+ account balance	Substantial CRO token staking requirements for higher tiers (12-month lockup) Exposure to cryptocurrency volatility through staking model Rewards programs have been reduced over time Prepaid product requiring active top-up before spending