Exa Card (Uphold) vs Nexo Card
Crypto native
Crypto native
Verdict
- Nexo Card scores higher overall (7.4 vs 6.5 out of 10).
- Nexo Card is clearly stronger on: Product features, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Exa Card (Uphold) is a good fit for
- Users who need credit rather than a debit/prepaid card
Nexo Card is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
- Frequent travellers
Stronger on: Product features, Credit & financing
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
Score by criterion
| Criterion | Exa Card (Uphold) | Nexo Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 13 |
| Availability | – | 100 |
| FX & international | – | 92 |
| Product features | 53 | 70 |
| Custody & security | 70 | 75 |
| Credit & financing | 60 | 100 |
| Limits & ATM | – | 64 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.2 |
| Best for Travel | n/a | 8.0 |
| Best for DeFi Users | 6.8 | 7.2 |
| Best for Stablecoins | n/a | 7.4 |
| Best for High Spenders | n/a | 5.9 |
| Best for Low Fees | 8.0 | 9.3 |
| Best for Beginners | 7.3 | 8.1 |
| Best Crypto Credit Card | 7.0 | 8.4 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Crypto-backed creditShow source
Debit card, Crypto-backed creditConditions apply: tap or hover for detailsShow source
Dual mode: Debit Mode and crypto-backed Credit Mode
Network
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
MastercardConditions apply: tap or hover for detailsShow source
Network inferred from the Mastercard trademark notice next to the card issuer disclosure
Custody model
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
CustodialShow source
Card issuer / program manager
Third National; credit by Exactly ProtocolShow source
DiPocket UABShow source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Requires at least Gold Loyalty Tier and portfolio above $5,000
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
FreeConditions apply: tap or hover for detailsShow source
Balance of at least $50 required to activate; stays in account
FX fee
0.2%Conditions apply: tap or hover for detailsShow source
Weekdays EEA/UK/CH; weekends 0.7%; rest of world 2% weekdays, 2.5% weekends
ATM fee
2% (min. €1.99)Conditions apply: tap or hover for detailsShow source
After the free monthly allowance
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000
Other fees & markups
Weekend FX surcharge: 0.7% for EEA/UK/CH currencies and 2.5% for other currencies (vs 0.2% / 2% on weekdays)Show source
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)
Max cashback
2%Conditions apply: tap or hover for detailsShow source
Up to; Credit Mode only, depends on loyalty tier
Cashback paid in
NEXO Tokens or BitcoinShow source
Cashback type
CryptoShow source
Cashback conditions
Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher cashback tiers depend on the share of NEXO Tokens held
Staking asset
NEXO TokenShow source
Minimum balance
$5,000Conditions apply: tap or hover for detailsShow source
Digital-asset balance required to earn cashback
Credit & financing
Credit line
YesShow source
YesConditions apply: tap or hover for detailsShow source
Credit Mode
Credit type
InstalmentsConditions apply: tap or hover for detailsShow source
One payment or up to 8 fixed-rate installments every 28 days
Crypto-backed creditShow source
Collateral assets
BTC · ETH · USDC · XRPShow source
Interest (APR)
1.9%Conditions apply: tap or hover for detailsShow source
'Starting from'; minimum rate
Interest notes
Fixed APR per payment option, confirmed at purchaseShow source
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source
Repayment
Flexible repayment with no fixed schedule or credit checksShow source
Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Spending limit depends on collateral value and health score
Spend own balance directly
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Spend by borrowing against collateral
YesShow source
YesConditions apply: tap or hover for detailsShow source
Credit Mode
Availability
Available in
EEA, United KingdomConditions apply: tap or hover for detailsShow source
Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoShow source
YesConditions apply: tap or hover for detailsShow source
Requires Gold Loyalty Tier and above $5,000 portfolio
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
Debit Mode
Spendable assets
Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source
Debit Mode; specific coins not listed
Security & custody
Regulation / licences
DiPocket UAB: e-money institution licensed by Bank of Lithuania (licence 75) · Tangany GmbH: BaFin-regulated crypto custody under MiCAR · DLT Securities GmbH: BaFin-regulated under MiCAR and MiFID IIShow source
Deposit protection
NoConditions apply: tap or hover for detailsShow source
Applies to Earn and Borrow products
Annual cost at 1,500 EUR/month
Exa Card (Uphold)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−7 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value83 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers