Nexo
Nexo review
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A credit-line card that lets you spend without selling your crypto, with a $20 bonus and low FX, but only 0.5% back to start.
Get it if
- You want to spend without selling crypto
- You live in the EU/UK
- You hold NEXO for loyalty tiers
Skip it if
- You want high base cashback
- You prefer self-custody
- You dislike credit-line products
By Premio editorial team
· fact-checked by Premio data desk
· verified 12 Sep 2026
Editorial score
7.1
/ 10
Rank #4
Base cashback
0.5%
no cap
Top cashback
2%
Platinum loyalty
Annual fee
€0
FX
0.2%
$20
after 3 purchases
Partner link
Fees and limits
Annual fee
€0
per year
FX markup
0.2%
on non-EUR spend
ATM withdrawal
2%
per withdrawal
Base cashback
0.5%
no staking
Monthly cap
No cap
on base cashback
Top tier
2%
Platinum loyalty
Every fee is from the issuer's published schedule.
How we scored it
Ten metrics, same rubric for every card. Each is scored 0–10; the published score is set by the editor after the risk review.
Fees
weight 1.5
9 / 10
Base cashback
weight 1.5
5 / 10
FX and spread
weight 1
9 / 10
Custody and security
weight 1
6 / 10
Availability
weight 1
7 / 10
KYC and onboarding
weight 0.5
8 / 10
Limits
weight 1
7 / 10
Support and app
weight 1
8 / 10
Track record
weight 1
7 / 10
Transparency
weight 0.5
7 / 10
Published score
7.1 / 10
Held since Feb 2025 · approved in 20 min
Nexo didn't see this review before publication.
Change history
04 Sep 2026
New card
Ether.fi Cash adds EU issuing
18 Aug 2026
Fee change
Nexo FX fee now 0.2% on weekends only
30 Jun 2026
Programme cut
Wirex ends cashback for EEA customers
01 Jan 2026
Closure
Bybit Card leaves the EEA
Frequently asked
Is this a debit or credit card?
Both modes exist; credit mode borrows against your crypto.
How much is the signup bonus?
$20 after qualifying purchases.
What is the FX fee?
0.2%, charged on weekends only.
Who can apply?
EU/EEA and UK residents.
Nexo
· 7.1 / 10
0.5% base cashback
· €0 annual
· 0.2% FX
Alternatives