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Coinbase Card vs Nexo Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-08-24
Coinbase Card3.6

Coinbase Card is a fee-free Visa debit card that spends straight from your Coinbase balance and pays up to 4% back in rotating crypto rewards for US users.

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: Coinbase Card

Coinbase Card rates higher on our rubric: 3.6 against 3.3 for Nexo Card.

Criterion
Editorial rating
Coinbase Card
3.6
Nexo Card
3.3

Coinbase 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.

Coinbase Card and Nexo Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactCoinbase CardNexo Card
Editorial rating3.6 (favoured on this row)3.3
IssuerCoinbaseNexo
CashbackUS Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.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 tier4% Bitcoin back (Coinbase One Card, $200,000+ AOC)2% in NEXO Tokens or 0.5% in BTC (Platinum)
Reward tiers54
FeesNo annual, monthly, or issuer-side ATM/foreign-transaction fee on the US Visa debit card; the Coinbase One Card carries a required paid membership starting at $4.99/month instead of a card fee.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 in3230
Countries both are issued in3030
Last reviewed2026-08-242026-08-24

Pros and cons, side by side

Coinbase Card

What works

  • No monthly or annual fee on the base Visa debit card
  • No issuer-side foreign transaction or ATM fee in the current cardholder agreement
  • Coinbase One Card's Bitcoin-back tiers scale up to 4% for larger Coinbase balances
  • Widely accepted Visa network with Apple Pay and Google Pay support

What to watch

  • Rewards on the plain Visa debit card are US-only; UK and EEA cardholders can spend but earn nothing
  • Coinbase One Card rewards require a paid membership on top of the card itself
  • The 2.5-4% Coinbase One Card tiers are capped at the first $10,000 of monthly spend, reverting to 2% after that
  • Buying crypto with either card is treated as a cash advance with a high APR and no rewards

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 Coinbase Card or Nexo Card better?

Coinbase Card rates higher on our rubric: 3.6 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, Coinbase Card or Nexo Card?

Coinbase Card: US Visa debit: rotating rewards up to 4% on selected altcoins, 1% on BTC/ETH/DOGE/DAI. Coinbase One Card: 2% to 4% Bitcoin back tiered by Assets on Coinbase, capped at the first $10,000 of monthly spend for the boosted tiers.. 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 Coinbase Card and Nexo Card?

Both are issued in 30 countries, including Austria, Belgium, Bulgaria, Croatia, Cyprus, on each issuer's own eligibility page. Coinbase Card is issued in 32 countries we track and Nexo Card in 30.

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

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