Crypto card catalog

Nexo Card

Issuer: Nexo

Debit / Credit
Virtual + physical · Mastercard
KYC: full
Custodial

A hybrid Mastercard with two modes: Credit (spend against a crypto-backed loan without selling) and Debit (direct spending). Built for crypto holders who don't want to sell. Note: full KYC required, best benefits at higher loyalty tiers.

Updated: July 2026 · Status: verified

78/100

Excellent

CRI rating

Key facts

Card class: Debit / Credit (two modes)
Type / network: Virtual + physical · Mastercard
Availability (geo): EEA, UK
KYC: Full
Conversion method: Auto; in Credit mode — a credit line backed by collateral
Custody: Custodial
Conversion fee: 0.2–2%
Cashback: Up to 2% (in NEXO or crypto)
APY on balance: Up to 14% on idle balance
Apple/Google Pay: Yes
Supported assets: BTC, ETH, USDT, USDC, and 10+ more
Official site: nexo.com/crypto-card

Crypto card fees change often — check the issuer's official site before applying.

Jurisdiction & availability

Card issuer: DiPocket UAB (Lithuania, EU-licensed, Mastercard)
Operator / brand: Nexo (VASP registration in Italy; licenses in several jurisdictions)
Country of registration: EU (Lithuania — issuer; Italy — Nexo's VASP registration)
Regulator / license: EU EMI (DiPocket); Italy VASP
Supported countries: UK + EEA (select countries)
Restricted: USA (exited in 2024 after SEC settlement; NY/AK/VT states separately), Canada, Bulgaria, Estonia, Afghanistan, Cuba, Iran, North Korea, Syria, Sudan, South Sudan, Libya, Myanmar, Yemen, Central African Republic, Crimea/Donetsk/Luhansk/Kherson/Zaporizhzhia

Pros & cons

Pros

Two modes (Credit/Debit) — spend without selling your crypto.
Yield on balance, cashback.
Physical + virtual, Apple/Google Pay.

Cons

Best terms are at higher loyalty tiers (requires a larger portfolio).
Full KYC; cashback paid in NEXO token.

Nexo Card review

Nexo Card is one of the pioneering crypto cards built on a lending-against-collateral model. In Credit mode, purchases are funded by a loan backed by your crypto, so you keep your position in the asset. Cashback size and rates depend on your loyalty tier (share of NEXO in your portfolio).

How to get the Nexo Card

Sign up with Nexo and complete KYC.

Fund your account with a supported asset.

Order the card and choose Credit/Debit mode.

Add it to Apple/Google Pay.

Methodology

CRI score by category

Category	Weight	Score (0–100)	Contribution
A. Cost & fees	25%	74	18.5
B. Availability & onboarding	20%	68	13.6
C. Functionality	20%	86	17.2
D. Benefits	15%	82	12.3
E. Trust & reliability	15%	80	12.0
F. Transparency & support	5%	80	4.0
CRI			78/100 — "Excellent"