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Bybit Card vs Nexo Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-25
Bybit Card3.4

Bybit Card is a family of regional Mastercard debit programmes paying 2 to 10 percent cashback in Bybit points, with EEA cardholders moving to a flat 1 percent for ordinary users in 2026.

Nexo Card3.3

Nexo Card is a dual debit/credit Mastercard for European Economic Area residents that pays up to 2% crypto cashback in Credit Mode without needing to sell your crypto.

Verdict: Bybit Card

Bybit Card rates higher on our rubric: 3.4 against 3.3 for Nexo Card.

Criterion
Editorial rating
Bybit Card
3.4
Nexo Card
3.3

Bybit Card and Nexo Card, fact by fact

Every row is from the two reviews as of their review dates, with sources on each. A check marks the side a decidable criterion favours; rows without one are information, not a score.

Bybit Card and Nexo Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactBybit CardNexo Card
Editorial rating3.4 (favoured on this row)3.3
IssuerBybitNexo
Cashback2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.Up to 2% crypto cashback (in NEXO Tokens) or 0.5% in Bitcoin when spending in Credit Mode, tiered by Loyalty Program status which requires a $5,000+ digital asset balance.
Top reward tier10% cashback (Infinite)2% in NEXO Tokens or 0.5% in BTC (Platinum)
Reward tiers64
FeesNo annual or inactivity fee anywhere; EEA/Switzerland FX runs 0.5% and crypto conversion 0.9%, but non-European regions range from 1% (Australia) to as high as 7% (Argentina) in FX fees, plus a 2% ATM fee above a small free monthly allowance.No monthly, annual, or inactivity fee; free ATM withdrawals scale with Loyalty Tier from €200 to €2,000/month, and foreign transaction fees range from 0.2% (EEA/UK/CH weekday) to 2.5% (rest of world weekend).
Countries issued in3330
Countries both are issued in3030
Last reviewed2026-08-252026-08-24

Pros and cons, side by side

Bybit Card

What works

  • No annual, monthly, or inactivity fee across every regional program
  • Cashback can reach 10% at the top VIP tier, higher than most competitors in this batch
  • Free virtual card issuance everywhere, with a roughly 5 EUR/USD physical card fee
  • EEA cardholders without VIP status now earn an uncapped flat 1% instead of a capped tiered rate

What to watch

  • Not one unified product: fees and terms differ sharply by region, and Argentina's FX fee runs as high as 7% plus a temporary padding hold
  • Turkey gets a virtual card only, with no physical card available
  • Reaching the top 8-10% cashback tiers requires Supreme VIP exchange status or very large monthly card spend ($12,500-$25,000)
  • Not available in the US, Canada, China, Japan, South Korea, Singapore or Australia

Nexo Card

What works

  • Credit Mode lets you spend without selling your crypto, retaining upside exposure
  • No monthly, annual, or inactivity card fee
  • Unspent balance earns daily-compounding interest up to roughly 13% per year
  • Free ATM allowance scales meaningfully with Loyalty Tier, up to €2,000/month at Platinum

What to watch

  • Cashback only applies in Credit Mode, not when spending directly from crypto in Debit Mode
  • Requires a $5,000+ digital asset balance just to join the Loyalty Program and start earning cashback
  • Foreign transaction fees outside the EEA/UK/Switzerland run 2-2.5%, notably higher than the 0.2-0.7% domestic-region rate
  • A physical card requires at least Gold Loyalty Tier status, a higher bar than the virtual card's $50 minimum

Frequently asked questions

Is Bybit Card or Nexo Card better?

Bybit Card rates higher on our rubric: 3.4 against 3.3 for Nexo Card. The rating follows the product rubric on our about page; the rows above set rewards, fees and availability side by side.

Which pays more cashback, Bybit Card or Nexo Card?

Bybit Card: 2% to 10% cashback via a six-tier VIP ladder in most regions; EEA-issued cardholders without VIP status earn a flat 1% since August 2026.. Nexo Card: Up to 2% crypto cashback (in NEXO Tokens) or 0.5% in Bitcoin when spending in Credit Mode, tiered by Loyalty Program status which requires a $5,000+ digital asset balance.. Headline rates on crypto cards are usually gated by a staked or locked balance, and each review sets out the tiers.

Where can I get both Bybit Card and Nexo Card?

Both are issued in 30 countries, including Austria, Belgium, Bulgaria, Croatia, Cyprus, on each issuer's own eligibility page. Bybit Card is issued in 33 countries we track and Nexo Card in 30.

The full reviews: Bybit Card and Nexo Card, each with its sources, and every crypto card we review.

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