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Nexo Card vs Oobit Card

Comparing
two crypto cards
Decided by
Editorial rating
Last reviewed
2026-10-29
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.

Oobit Card3.1

Oobit Card is a Visa card that spends stablecoins and crypto from an Oobit account or, through DePay, a self-custody wallet, with a 1% fee on every card payment and base points worth 0.1% to 0.5%.

Verdict: Nexo Card

Nexo Card rates higher on our rubric: 3.3 against 3.1 for Oobit Card.

Criterion
Editorial rating
Nexo Card
3.3
Oobit Card
3.1

Nexo Card and Oobit 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.

Nexo Card and Oobit Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactNexo CardOobit Card
Editorial rating3.3 (favoured on this row)3.1
IssuerNexoOobit Technologies UAB; outside the United States the card is issued by Third National under license from Visa
CashbackUp 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.Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app.
Top reward tier2% in NEXO Tokens or 0.5% in BTC (Platinum)5 points per $1, worth 0.5% (Level 5)
Reward tiers45
FeesNo 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).No fee to get the card and no monthly fee; 1% per card payment with a $0.25 minimum; the card is denominated in USD, with up to 1.5% more on other currencies; 2.5% on ATM withdrawals.
Countries issued in3072
Countries both are issued in2929
Last reviewed2026-08-242026-10-29

Pros and cons, side by side

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

Oobit Card

What works

  • No fee to get the card and no monthly fee, so the cost is per payment only
  • DePay pays from a self-custody wallet such as MetaMask, Trust Wallet or Phantom without moving funds into Oobit first
  • Listed in 72 countries that have a guide on this site, including most of the European Economic Area, the United Kingdom, the United States, Brazil, Mexico and South Korea
  • Works with Apple Pay and Google Wallet, so you can tap to pay wherever Visa is accepted

What to watch

  • A 1% fee applies to every card payment, with a $0.25 minimum, which is more than the 0.1% to 0.5% the base points pay back
  • Payments in currencies other than USD can add up to 1.5% on top, and ATM withdrawals cost 2.5%
  • Rewards can only be spent on Tap to Pay payments in the app and cannot be withdrawn, and Oobit can change offers on 30 days' notice
  • The 5% stablecoin reward is capped at $200 of spend and the 10% OOB reward at $5,000 of spend
  • The self-custody route needs a spending approval that lets Oobit draw up to your limit, and the card terms let Oobit and the issuer change spending limits, including to $0, with or without notice

Frequently asked questions

Is Nexo Card or Oobit Card better?

Nexo Card rates higher on our rubric: 3.3 against 3.1 for Oobit 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, Nexo Card or Oobit Card?

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. Oobit Card: Base points are worth 0.1% to 0.5% of Tap to Pay spend depending on your level, plus capped offers of 5% in stablecoins (up to $200 of spend) and 10% in OOB (up to $5,000 of spend), all spendable only inside the app. 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 Nexo Card and Oobit Card?

Both are issued in 29 countries, including Austria, Belgium, Bulgaria, Croatia, Cyprus, on each issuer's own eligibility page. Nexo Card is issued in 30 countries we track and Oobit Card in 72.

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

More comparisons

Every other head-to-head Nexo Card or Oobit Card appears in.

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