Nexo Card vs Plutus Card Nexo Card leads by 28 points.
Nexo Card scores 28 points above Plutus Card, led by cost abroad, card reliability, and named issuer. Nexo Card ranks #3 and Plutus Card #9 of 9 published crypto cards. Every term of the gap is on the ledger below; the inputs are on the audit receipt.
Nexo Card69
vs
Plutus Card41
Scores are out of 100; published scores fall within 41–99 · ranks #3 and #9 of 9
Nexo Card scores 28 points above Plutus Card, led by cost abroad, card reliability, and named issuer.
Nexo Card #3 of 969
Plutus Card #9 of 941
Scores are out of 100; published scores fall within 41–99; a bar is empty at 41 and full at 99.
Why, term by termNexo Card leads on 4 of 4 published criteria; Plutus Card on 0. The terms sum to the gap.
TermNexo CardPlutus CardWeightPoints
Cost abroad8/104/107.9+8.2for Nexo Card+4.2 of 32
Card reliability9/101/106.2+13.0for Nexo Card+6.7 of 32
Named issuer6/101/105+6.6for Nexo Card+3.4 of 32
Tax on spending8/102/104.8+7.5for Nexo Card+3.8 of 32
Net of the terms+35.3
Criteria roundingThe criteria block is rounded to whole points before it is spread−0.2
Reproduced gap+35.1
Published gapAfter score rounding and bounds — see the note below6941+28.0
Weight is in points of the 86-point weighted total. Points are score points of the gap between the two.
A floor bound on one row means the criterion arithmetic does not reproduce the displayed gap exactly.
Nexo CardScore 69An EEA/UK-only Mastercard issued by DiPocket UAB (Bank of Lithuania EMI licence LB002009) that toggles per-tap between a collateralised Credit Mode — spending that is a borrow, not a sale — and a Debit Mode that sells; it publishes a weekday/weekend FX split and a fully tiered ATM allowance, but never names the base rate its FX fee marks up.Strength: Programme survival — 9/10Watch-out: 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.Plutus CardScore 41A UK/EEA Visa rewards card whose own dated FAQ of 20 February 2026 says card spending is not possible and refuses to name the replacement banking partner, while the homepage that links to that FAQ simultaneously advertises 'No fees. No Catch.'Strength: Swipe cost abroad — 4/10Watch-out: You can be paying £/€6.99 to £/€19.99 a month, today, for a card the vendor's own most recent dated communication says cannot be spent — and the page that sells you the subscription links to that communication under the words 'The 2026 Transition Update'. The homepage headline next to it reads 'No fees. No Catch.'
Pick Nexo Card if cost abroad matters most — it scores 8/10 to Plutus Card's 4/10 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.
Plutus Card
41#9 of 9
Pick it when
Plutus Card leads Nexo Card on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
Strength
Swipe cost abroad — 4/10
Tradeoff
You can be paying £/€6.99 to £/€19.99 a month, today, for a card the vendor's own most recent dated communication says cannot be spent — and the page that sells you the subscription links to that communication under the words 'The 2026 Transition Update'. The homepage headline next to it reads 'No fees. No Catch.'
Self-identify in 10 seconds
Which one is actually for you?
Nexo CardLeads
Choose Nexo Card if cost abroad matters most
Cost abroad: 8/10 against 4/10 for Plutus Card (weight 33)
Card reliability: 9/10 against 1/10 for Plutus Card (weight 26)
Named issuer: 6/10 against 1/10 for Plutus Card (weight 21)
Nexo CardScore 69An EEA/UK-only Mastercard issued by DiPocket UAB (Bank of Lithuania EMI licence LB002009) that toggles per-tap between a collateralised Credit Mode — spending that is a borrow, not a sale — and a Debit Mode that sells; it publishes a weekday/weekend FX split and a fully tiered ATM allowance, but never names the base rate its FX fee marks up.Strength: Programme survival — 9/10Watch-out: 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.
Plutus Card
Plutus Card leads Nexo Card on no published criterion
Choose it only if something outside the published criteria decides for you — your country, a funding rail, or custody.
Plutus CardScore 41A UK/EEA Visa rewards card whose own dated FAQ of 20 February 2026 says card spending is not possible and refuses to name the replacement banking partner, while the homepage that links to that FAQ simultaneously advertises 'No fees. No Catch.'Strength: Swipe cost abroad — 4/10Watch-out: You can be paying £/€6.99 to £/€19.99 a month, today, for a card the vendor's own most recent dated communication says cannot be spent — and the page that sells you the subscription links to that communication under the words 'The 2026 Transition Update'. The homepage headline next to it reads 'No fees. No Catch.'
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 4 of 10weight 7.9 of 86Nexo Card leads
Nexo Card8/10 out of 10
Plutus Card4/10 out of 10
Card reliability
by 8 of 10weight 6.2 of 86Nexo Card leads
Nexo Card9/10 out of 10
Plutus Card1/10 out of 10
Named issuer
by 5 of 10weight 5 of 86Nexo Card leads
Nexo Card6/10 out of 10
Plutus Card1/10 out of 10
Tax on spending
by 6 of 10weight 4.8 of 86Nexo Card leads
Nexo Card8/10 out of 10
Plutus Card2/10 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 Card6/20Plutus Card6/20
Tie
Published criteriaweight 30 of 86
Nexo Card18.8/30Plutus Card5.3/30
Nexo Card leads
Frictionweight 10 of 86 · constant here
Nexo Card2.7/10Plutus Card2.7/10
Tie
Trust recordweight 8 of 86 · constant here
Nexo Card3.2/8Plutus Card3.2/8
Tie
Measured dataweight 18 of 86 · constant here
Nexo Card8.3/18Plutus Card8.3/18
Tie
Decision rulePublished order
Choose Nexo Card unless the term Plutus Card leads on is the one you are buying.
Plutus Card leads Nexo Card on no published criterion and no score dimension — pick it only if a fact outside the score (country, funding rail, custody) decides for you.
The published order weighs every criterion the same way for everyone. To weigh them your way, run .
From the published order
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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, Plutus Card 1/10)
Scored by Does buying a coffee create a taxable disposal, and will they hand me the record? · 20% (Nexo Card 8/10, Plutus Card 2/10)
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, Plutus Card 1/10)
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
Nexo Card scores 28 points above Plutus Card, led by cost abroad, card reliability, and named issuer. Published scores, out of 100: Nexo Card 69 (rank 3 of 9 crypto cards), Plutus Card 41 (rank 9 of 9).
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.
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