KuCoin Card (KuCard) vs Nexo Card

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

KuCoin Card is a New Zealand only debit card paying 1% to 3% base cashback in USDC or KCS by VIP tier, with a KCS Loyalty bonus pushing the maximum toward 8.5%.

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: Nexo Card

Nexo Card rates higher on our rubric: 3.3 against 2.7 for KuCoin Card (KuCard).

Criterion: Editorial rating
KuCoin Card (KuCard): 2.7
Nexo Card: 3.3

KuCoin Card (KuCard) 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.

KuCoin Card (KuCard) and Nexo Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
Fact	KuCoin Card (KuCard)	Nexo Card
Editorial rating	2.7	3.3 (favoured on this row)
Issuer	KuCoin	Nexo
Cashback	New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.	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	3% cashback (VIP 11-12)	2% in NEXO Tokens or 0.5% in BTC (Platinum)
Reward tiers	7	4
Fees	New Zealand program's fee structure is not detailed in the reviewed KuCoin support article beyond cashback caps; a separately reported EEA program cites roughly a 10 EUR annual fee (waived above 500 EUR/year spend), a 9.99 EUR physical card fee, and a 2% international FX fee, none of which are confirmed on an official KuCoin page.	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

KuCoin Card (KuCard)

What works

Cashback can reach as high as 8.5% for large KCS holders combining VIP status and Loyalty Level bonuses
No staking lockup is described for the New Zealand program's base VIP-tier cashback, unlike some competitors' 12-month lockups
Multiple tiers are reachable purely through exchange trading volume (VIP status) rather than requiring a card-specific deposit
Cashback is paid in USDC or KCS, so the payout can be a dollar stablecoin rather than the exchange's own token

What to watch

KuCoin operates what appear to be two distinct, non-overlapping card programs under the same brand name, creating real risk of publishing the wrong country's terms as universal
Even at the highest combined cashback percentage, redemption is capped at 250 USDC per month, limiting the real-dollar value for high spenders
The separately reported EEA program's fees are not corroborated on any page KuCoin itself hosts, and should be treated as unverified
Entry-tier cashback for typical users without meaningful KCS holdings or trading volume is as low as 1%, capped at just 10 USDC per month

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 KuCoin Card (KuCard) or Nexo Card better?

Nexo Card rates higher on our rubric: 3.3 against 2.7 for KuCoin Card (KuCard). 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, KuCoin Card (KuCard) or Nexo Card?

KuCoin Card (KuCard): New Zealand program: 1% to 3% base cashback (USDC or KCS) by VIP tier, plus up to a further 5.5% KCS Loyalty Level bonus, capped at 250 USDC redeemed per month. A separately reported EEA program's cashback terms are not confirmed on an official KuCoin page.. 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 KuCoin Card (KuCard) and Nexo Card?

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

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

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