Fold Card (debit) and Fold Credit Card vs Nexo Card

Comparing: two crypto cards
Decided by: Editorial rating
Last reviewed: 2026-08-25

Fold Card (debit) and Fold Credit Card4.0

Fold is a US-only Bitcoin-rewards card family pairing a gamified spin-to-win debit card with a straightforward 1.5-to-4% Bitcoin-back Visa credit card, both with no annual fee.

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: Fold Card (debit) and Fold Credit Card

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 against 3.3 for Nexo Card.

Criterion: Editorial rating
Fold Card (debit) and Fold Credit Card: 4.0
Nexo Card: 3.3

Fold Card (debit) and Fold Credit 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.

Fold Card (debit) and Fold Credit Card and Nexo Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	Fold Card (debit) and Fold Credit Card	Nexo Card
Editorial rating	4.0 (favoured on this row)	3.3
Issuer	Fold (Fold Bitcoin Credit Card issued by Celtic Bank, licensed by Visa U.S.A.)	Nexo
Cashback	Fold Card (debit): 0.5% base Bitcoin back plus gamified spin-wheel bonuses. Fold Credit Card: 1.5% flat Bitcoin back, plus 0.5% for paying with Bitcoin and up to 2% more on the first $2,000/month of qualifying activity, for up to 4% combined.	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 tier	Up to +2% (4% combined) on the first $2,000/month (Fold Credit Card, Boosted)	2% in NEXO Tokens or 0.5% in BTC (Platinum)
Reward tiers	5	4
Fees	No annual fee on either the debit or credit card; the debit card's optional Fold+ subscription costs $10/month or $100/year (reportedly being phased out); the credit card carries a variable APR of roughly 20.49% to 29.49%.	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 in	1	30
Countries both are issued in	0	0
Last reviewed	2026-08-25	2026-08-24

Pros and cons, side by side

Fold Card (debit) and Fold Credit Card

What works

No annual fee on either the debit or the credit card
Credit card's 1.5% base Bitcoin-back rate is uncapped, unlike many competitors' capped tiers
Combining the Bitcoin-payment bonus and Boosted bonus can reach 4% on a meaningful chunk of monthly spend
No staking or token lockup required for any tier

What to watch

Restricted to US residents only, with no international availability on any Fold product
The debit card's spin-wheel mechanic makes real-world reward rates unpredictable purchase to purchase
The Boosted 2% bonus on the credit card applies only to the first $2,000 of monthly spend tied to specific qualifying activity
Fold+ debit subscription benefits are reportedly being restructured during 2026, creating uncertainty about which perks will persist

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 Fold Card (debit) and Fold Credit Card or Nexo Card better?

Fold Card (debit) and Fold Credit Card rates higher on our rubric: 4.0 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, Fold Card (debit) and Fold Credit Card or Nexo Card?

Fold Card (debit) and Fold Credit Card: Fold Card (debit): 0.5% base Bitcoin back plus gamified spin-wheel bonuses. Fold Credit Card: 1.5% flat Bitcoin back, plus 0.5% for paying with Bitcoin and up to 2% more on the first $2,000/month of qualifying activity, for up to 4% combined.. 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 Fold Card (debit) and Fold Credit Card and Nexo Card?

Both are issued in no country we track, on each issuer's own eligibility page. Fold Card (debit) and Fold Credit Card is issued in 1 countries we track and Nexo Card in 30.

The full reviews: Fold Card (debit) and Fold Credit Card and Nexo Card, each with its sources, and every crypto card we review.

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