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debit Card•
Nexo Card
by Nexo
A dual-mode (Credit Mode and Debit Mode) crypto card by Nexo that lets you spend digital assets worldwide, earn crypto cashback in Credit Mode, and use Debit Mode for direct asset spending. Cashback and some limits vary by Loyalty Tier and can have monthly caps. Variable FX fees depend on region and weekend timing. Some reward promotions can exceed usual tiers (e.g., holiday boost up to 10%) not covered in the standard schema.
NEXO CARD
Nexo
Cashback
Up to 2%
Annual Fee
Free
FX Fee
None
Staking
None
2%
Max Cashback
Paid in NEXO Tokens, BTC
$0
Annual Fee
1
Premium Perks
Available Regions
Unique Features
- Dual Credit & Debit Mode with integrated collateral and interest account; loyalty tier-based cashback structure.
Pros
- No monthly, annual, or inactivity fees.
- Up to 2% crypto cashback in Credit Mode.
- Supports Apple Pay and Google Pay.
- Free ATM withdrawals up to tier limits.
Cons
- Cashback only in Credit Mode if above balance threshold (~$5k).
- Reward caps and FX fees can reduce net benefit.
- Physical card requires +$5k balance and at least a Gold Loyalty Tier
- Upper Tiers require holding NEXO tokens
Integrations & Tech
iOS App
Android App
Debit Mode
IBAN Support
Credit Mode
AvailableExcludedUnknown
Available In (28)
AustriaBelgiumBulgariaCroatiaCyprusCzech Republic
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
ReplacementFree
Fee Structure
Annual FeeFree
Monthly FeeNone
FX FeeNone
Issuance FeeFree
Shipping FeeFree
Replacement FeeFree
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
ATM Capabilities
ATM Fee (Domestic)N/A
ATM Fee (Intl)N/A
Fee After Limit2%
No detailed crypto configuration data available.
Lifestyle Benefits
Loyalty Tier CashbackCashback rewards up to 2% depending on Loyalty Tier.
Rewards Program DetailsCashback varies by loyalty tier: Base 0.5% NEXO/0.1% BTC, Silver 0.7%/0.2%, Gold 1%/0.3%, Platinum 2%/0.5%. Monthly reward caps apply per tier.
To access the Loyalty Program perks users must maintain a balance of at least $5,000.
If it drops below $5,000, you have a 7-day grace period to restore it.
Loyalty Tiers
Tiers are determined by the percentage of NEXO Tokens relative to the non-NEXO portion of your portfolio. The calculation is:
NEXO Token Value / (Total Portfolio Value - NEXO Token Value) × 100
Base Tier: no NEXO required
Silver: At least 1% NEXO Tokens
Gold: At least 5%
Platinum: At least 10%
The tier upgrades/downgrades automatically in real-time based on market values.
Higher tiers unlock higher Earn rates, lower borrowing rates, higher cashback and exclusive perks.
Payout Frequency
Monthly (subject to Nexo processing timing)
Exclusions
Certain transaction types may be excluded per help center but aren’t detailed in public docs.
