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Head-to-head · Crypto Cards

Nexo Card vs Crypto.com Card Crypto.com Card leads by 8 points.

Crypto.com Card scores 8 points above Nexo Card, led by named issuer. Nexo Card ranks #3 and Crypto.com Card #2 of 9 published crypto cards. Every term of the gap is on the ledger below; the inputs are on the audit receipt.

Nexo Card69
Crypto.com Card77
Scores are out of 100; published scores fall within 41–99 · ranks #3 and #2 of 9
Methodology v2026.10.18Ranking snapshot Evidence verified through 4 published criteria5 score dimensions Receipt #cc-VS-NEXO-CARD-VS-CRYPTO-COM-CARD-14cff339
Published verdictRanking snapshot 3 November 2026

Crypto.com Card leads by 8 points

Crypto.com Card scores 8 points above Nexo Card, led by named issuer.

Nexo Card #3 of 969
Crypto.com Card #2 of 977
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termCrypto.com Card leads on 1 of 4 published criteria; Nexo Card on 3. The terms sum to the gap.
TermCrypto.com CardNexo CardWeightPoints
Cost abroad6/108/107.9−4.1for Nexo Card−2.1 of 32
Card reliability7/109/106.2−3.2for Nexo Card−1.7 of 32
Named issuer7/106/105+1.3for Crypto.com Card+0.7 of 32
Tax on spending7/108/104.8−1.2for Nexo Card−0.6 of 32
AvailabilityScore dimension12620+15.6for Crypto.com Card
Net of the terms+8.3
Reproduced gap+8.3
Published gapAfter score rounding and bounds — see the note below7769+8.0

Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.

  • Crypto.com Card's lead rests on lighter criteria: Nexo Card is ahead on cost abroad, which carries more weight (33) than any criterion Crypto.com Card leads on (21).
Quick facts

At a glance

1 of 3 rows read the same for both.
FactNexo CardCrypto.com Card
PricingSnapshotFrom https://nexo.com/crypto-card (HTTP 200, fetched 28 September 2026), verbatim: "Are there any foreign transaction fees? Yes, the respective foreign transaction (FX) fees depend on the day of the week of the transaction:" / "FX Fees on Weekdays" — "EEA/UK/CH: 0.2%" "ROW: 2%" / "FX Fees on Weekends" — "EEA/UK/CH: 0.7%" "ROW: 2.5%". ATM: "Depending on your Loyalty Tier, you can enjoy free ATM withdrawals up to a specific amount:" — "Base: Up to €200 / £180", "Silver: Up to €400 / £360", "Gold: Up to €1,000 / £900", "Platinum: Up to €2,000 / £1,800" — and "Once you reach your free withdrawal limit, you’ll be charged a 2% fee (minimum of 1.99 EUR/GBP) per additional withdrawal until your monthly limit resets again." Subscription: "Enjoy daily spending with no monthly, annual, or inactivity card fees." Card issue: "There’s also free shipping for the physical Nexo Card." / "The virtual Nexo Card can be activated once you have at least $50 to your Nexo account." / "To order a physical card, you need an account balance above $5,000 worth of digital assets and at least a Gold Loyalty Tier." Credit Mode: "Grow your buying power with crypto-backed Credit Lines starting from 1.9% interest." NOT PUBLISHED on that page, and cited as silent: the crypto-to-fiat conversion charge applied at authorisation in Debit Mode (the page says only "Tap into your crypto balance while we handle the conversion for you."), the base rate the FX percentage marks up, and the NEXO-token ratio needed to reach each Loyalty Tier (https://nexo.com/loyalty, fetched 28 September 2026, says only "The amount of NEXO Tokens you hold against the rest of your portfolio places you into one of our Loyalty Tiers."). Every figure above is unchanged from the 17 August 2026 read.FEE TABLE (EEA) — https://help.crypto.com/en/articles/5977463-crypto-com-prepaid-visa-card-fees-and-limits-europe-for-users-with-a-residential-address-in-europe (HTTP 200, fetched 28 September 2026, dated 31 July 2026): "Debit / Credit card top-up: 1%" | "ATM Withdrawal: 2% on amounts above the monthly free ATM limit" | "Free ATM limit (Monthly)" "€200" "€400" "€800" "€800" "€1,000" (Midnight / Ruby / Indigo-Jade / Icy-Rose / Obsidian) | "Close Account: €50" | "Physical Card Issuance:" "Midnight: €4.99" | "Inactivity: €5 per month of inactivity will be charged after 12 months of no cardholder-initiated financial activity on the card unless activity resumes." and "Effective 1 October 2026 fee will be updated to € 6." | "Foreign Transaction Fee (Till 30 September 2026):" Midnight only, "Within the EU and UK" "0.2%", "Outside the EU and UK" "2.0%", "Other Card Tiers: No fee" | "Foreign Transaction Fee (Effective 1 October 2026):" Midnight "Within the EU & UK : 0.2%" "Outside the EU & UK : 2.0%"; Ruby "Outside the EU & UK : No fee up to EUR 400 per calendar month, 2.0% thereafter"; Jade and Indigo "No fee up to EUR 800 per calendar month, 2.0% thereafter"; "Other Card Tiers: No fee". The October schedule takes effect three days after this read. TIER COST — https://crypto.com/cards (HTTP 200 via 301 to https://crypto.com/en-de/cards/, fetched 28 September 2026), "Subscription fee / Lockup": Midnight "Free"; Ruby "€3.99/month or €39.90 yearly (16% off) or €450 12-month CRO staking"; Jade/Indigo "€24.99/month or €249.90 yearly (16% off) or €4,500 12-month CRO staking"; Icy/Rose "€45,000 12-month CRO staking"; Obsidian "€450,000 12-month CRO staking". The same page prices no fee itself: "ATM withdrawal fees, interbank exchange rates, top-up fees, and other charges may apply depending on your jurisdiction and card tier." US CARDHOLDERS — https://help.crypto.com/en/articles/5966563-crypto-com-prepaid-visa-card-fees-and-limits-united-states (HTTP 200, fetched 28 September 2026): "Midnight, Ruby, Jade, Indigo: 3% on all non-USD purchases and ATM withdrawals" / "Rose, Icy, Obsidian: No fee"; "Credit – 2.99%"; "PayPal Top-Up: 2.1%". UNPRICED on every page read: the crypto-to-fiat conversion spread charged at top-up, and the FX base rate the 0.2% / 2.0% / 3% sits on; the cardholder agreement (https://crypto.com/document/eu_card, still "Last update: 30 April 2025") says only "at the prevailing exchange rate".
Asset coverageEditorial——
Region fitSnapshoteuropeus, europe, asia
From the published criteria

Which should you pick?

Nexo Card

69#3 of 9
Pick it when
Pick Nexo Card if cost abroad matters most — it scores 8/10 to Crypto.com Card's 6/10 there (weight 33).
Strength
Programme survival — 9/10
Tradeoff
The fee you can look up is not the fee that will hurt you. Nexo publishes its FX margin to four decimal-sharp cases and its ATM terms to four tiers, but it never says what BASE RATE that margin sits on, and it prices the Debit Mode crypto-to-fiat conversion at authorisation nowhere at all — the page says only "Tap into your crypto balance while we handle the conversion for you." Worse, the one lever that moves the ATM allowance from €200 to €2,000 a month is a Loyalty Tier set by "the ratio of NEXO Tokens held against the rest of your portfolio", and neither https://nexo.com/crypto-card nor https://nexo.com/loyalty publishes what that ratio has to be. So a buyer who wants the Platinum ATM allowance and the 2% cashback cannot work out, before signing up, how much of their portfolio they must convert into a single illiquid exchange token to get it — and if NEXO falls relative to the rest of the portfolio, the tier, the allowance and the cashback rate all fall with it, without a fee ever changing.

Crypto.com Card

77#2 of 9
Leads
Pick it when
Pick Crypto.com Card if named issuer matters most — it scores 7/10 to Nexo Card's 6/10 there (weight 21).
Strength
Programme survival — 7/10
Tradeoff
Until 30 September 2026 you pay the foreign transaction fee precisely because you did not pay for the card; from 1 October 2026 Ruby, Jade and Indigo subscribers pay it too. On 2026-09-28 the EEA schedule read 'Foreign Transaction Fee (Till 30 September 2026): Midnight: All non-EUR purchases and ATM transactions will be charged as follows Other Card Tiers: No fee' (0.2% inside the EU/UK, 2.0% outside): until that date the free Midnight card is the ONLY EEA tier charged an FX fee. From 1 October 2026 the same article extends that 0.2% inside the EU/UK to Ruby, Jade and Indigo — a documented fee INCREASE for subscribers who are already paying €3.99 or €24.99 a month, or who have €450 to €4,500 of CRO locked up for twelve months precisely to avoid this. None of it appears anywhere on crypto.com/cards, which answers 'What are the fees?' with 'ATM withdrawal fees, interbank exchange rates, top-up fees, and other charges may apply depending on your jurisdiction and card tier.' A buyer who reads only the page that sells the card cannot discover the number they will be charged, cannot discover that it differs from 0.2% to 3% depending on which country they live in, and cannot discover that it rises for Ruby, Jade and Indigo on 1 October 2026.
Self-identify in 10 seconds

Which one is actually for you?

Nexo Card

Choose Nexo Card if cost abroad matters most

  • Cost abroad: 8/10 against 6/10 for Crypto.com Card (weight 33)
  • Card reliability: 9/10 against 7/10 for Crypto.com Card (weight 26)
  • Tax on spending: 8/10 against 7/10 for Crypto.com Card (weight 20)
Crypto.com CardLeads

Choose Crypto.com Card if named issuer matters most

  • Named issuer: 7/10 against 6/10 for Nexo Card (weight 21)
Criterion by criterion

Scorecard

Published criteria · weight in points of 868 of 8 cells scored. Strength is read from the evidence file; the weight is the published one. Methodology

Cost abroad

by 2 of 10weight 7.9 of 86Nexo Card leads
Nexo Card8 out of 10
Crypto.com Card6 out of 10

Card reliability

by 2 of 10weight 6.2 of 86Nexo Card leads
Nexo Card9 out of 10
Crypto.com Card7 out of 10

Named issuer

by 1 of 10weight 5 of 86Crypto.com Card leads
Nexo Card6 out of 10
Crypto.com Card7 out of 10

Tax on spending

by 1 of 10weight 4.8 of 86Nexo Card leads
Nexo Card8 out of 10
Crypto.com Card7 out of 10

Score dimensions

weights sum to 86

The published score is five dimensions, each weighted for the category. "Published criteria" is the criteria block above; the other four are the engine's own terms — availability, friction, trust record, measured data. Each bar is one side's points out of that dimension's maximum; the weight beside the name is its points of the 86-point weighted total. The published criteria above can fill 24 of the block’s 30. A weight marked “constant here” belongs to a dimension every ranked product in the category holds at the same value: it still counts in the total, and it orders nothing here.

Availabilityweight 20 of 86
Nexo Card6/20Crypto.com Card12/20
Crypto.com Card leads
Published criteriaweight 30 of 86
Nexo Card18.8/30Crypto.com Card16/30
Nexo Card leads
Frictionweight 10 of 86 · constant here
Nexo Card2.7/10Crypto.com Card2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Nexo Card3.2/8Crypto.com Card3.2/8
Tie
Measured dataweight 18 of 86 · constant here
Nexo Card8.3/18Crypto.com Card8.3/18
Tie
Decision rulePublished order

Choose Crypto.com Card unless the term Nexo Card leads on is the one you are buying.

Pick Nexo Card if cost abroad matters most — it scores 8/10 to Crypto.com Card's 6/10 there (weight 33).

The published order weighs every criterion the same way for everyone. To weigh them your way, run .

From the published order

Next best action

If this isn't your case

Other matchups worth comparing

How you can lose money here, and what the ranking scores
  • Regulatory failure: no licence where you are, or a forced market exit.
    Scored by Whose licence is actually behind this card, and will they even tell me their name? · 21% (Nexo Card 6/10, Crypto.com Card 7/10)
    Scored by Does buying a coffee create a taxable disposal, and will they hand me the record? · 20% (Nexo Card 8/10, Crypto.com Card 7/10)
  • Exit failure: you cannot get out at par, on time, or with what is yours.
    Scored by Will this card still work next month, and who has to fail for it to stop? · 26% (Nexo Card 9/10, Crypto.com Card 7/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Insolvency failure, Execution failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: What does one swipe abroad actually cost me, and can I work that out before I sign up? (33%).
Questions

Frequently asked questions

Crypto.com Card scores 8 points above Nexo Card, led by named issuer. Published scores, out of 100: Nexo Card 69 (rank 3 of 9 crypto cards), Crypto.com Card 77 (rank 2 of 9).

Related pages

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Written and reviewed by Founder
Reviewed Next review by Methodology v2026.10.18
How this page is reviewed

Reviewed means both products compared here was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.

Accountable for this review: Mathias Siemonsmeier, Founder.

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