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Nexo Card vs RedotPay Card

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

RedotPay Card3.4

RedotPay Card is a prepaid Visa/Mastercard aimed at emerging markets, charging a 2% or higher swipe fee outside the card's home currency and up to 4.2% on ATM withdrawals.

Verdict: RedotPay Card

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

Criterion
Editorial rating
Nexo Card
3.3
RedotPay Card
3.4

Nexo Card and RedotPay 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 RedotPay Card compared fact by fact from their reviews; a check marks the side a decidable criterion favours.
FactNexo CardRedotPay Card
Editorial rating3.33.4 (favoured on this row)
IssuerNexoRedotPay
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.Roughly 3% cashback on Apple Pay/Google Pay transactions is available to RedotPay Pro subscribers ($12.90/month or $129/year); the base card has no broad percentage-back cashback program.
Top reward tier2% in NEXO Tokens or 0.5% in BTC (Platinum)Approximately 3% on Apple Pay and Google Pay transactions (RedotPay Pro, mobile wallet cashback)
Reward tiers41
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).Virtual card costs 10 USDT to issue, physical card 100 USDT (one-time, no monthly fee); non-home-currency spending runs about 2.2% combined, and ATM withdrawals cost 2% to 4.2% depending on card currency and volume, partly waivable via the paid Pro plan.
Countries issued in30188
Countries both are issued in2828
Last reviewed2026-08-242026-08-24

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

RedotPay Card

What works

  • No monthly or annual fee on the base card, only one-time issuance costs
  • Very broad country eligibility, published transparently as a restriction list rather than vague marketing claims
  • RedotPay Pro subscribers get roughly 3% cashback on Apple Pay and Google Pay purchases
  • High published daily transaction limits, up to $1,000,000, for large spenders

What to watch

  • No broad percentage cashback for non-Pro users on ordinary card swipes
  • Spending outside the card's home currency adds a combined fee of roughly 2.2%
  • ATM withdrawals are expensive, ranging 2% to 4.2% before any operator surcharge
  • Virtual cards cannot be used for ATM withdrawals or PIN-based purchases, only the physical card

Frequently asked questions

Is Nexo Card or RedotPay Card better?

RedotPay 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, Nexo Card or RedotPay 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.. RedotPay Card: Roughly 3% cashback on Apple Pay/Google Pay transactions is available to RedotPay Pro subscribers ($12.90/month or $129/year); the base card has no broad percentage-back cashback program.. 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 RedotPay Card?

Both are issued in 28 countries, including Austria, Belgium, Bulgaria, Cyprus, Czech Republic, on each issuer's own eligibility page. Nexo Card is issued in 30 countries we track and RedotPay Card in 188.

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

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