Nexo Card vs Ether.Fi Cash Card

Side-by-side comparison of 2 crypto debit cards

	Nexo Card 2.5/5 custodialmastercard	Ether.Fi Cash Card 4.5/5 self_custodialvisa
Rating
Overall	2.5/5	4.5/5
Fees
Monthly Fee	€0	Free (all tiers)
Issuance Fee	Free	See card_tiers
Rewards
Max Cashback	20.5%	Up to 3% (Core/Luxe/Pinnacle) or up to 4% (VIP) - progressive structure based on monthly spend
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	Non-custodial design preserves user sovereignty over crypto assets Free Club membership with tier progression through loyalty points Progressive cashback rates up to 4% paid in wETH Continues earning yield on collateral while borrowing against it
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	Geographic restrictions limit availability Market volatility could lead to liquidation of collateral Full KYC requirements may deter privacy-focused users Progressive cashback rates decrease with higher monthly spending