Nebeus Card vs XPlace Card
Crypto enabled
Crypto native
Verdict
- XPlace Card scores higher overall (6.6 vs 5.3 out of 10).
- XPlace Card is clearly stronger on: Cashback & rewards, Product features, Custody & security, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Nebeus Card is a good fit for
- No specific audience can be derived from the published data yet.
XPlace Card is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Cashback & rewards, Product features, Custody & security, 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 | Nebeus Card | XPlace Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | 3 | 36 |
| Availability | – | – |
| FX & international | – | – |
| Product features | 53 | 70 |
| Custody & security | 60 | 80 |
| Credit & financing | 30 | 75 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | 3.7 | 5.6 |
| Best for Self-Custody | n/a | 7.3 |
| Best for DeFi Users | n/a | 7.2 |
| Best for Stablecoins | n/a | 7.1 |
| Best for High Spenders | 3.9 | 5.8 |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 6.7 | 7.7 |
| Best Crypto Credit Card | n/a | 7.6 |
| Best E-Money Card | 6.8 | n/a |
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
ActiveConditions apply: tap or hover for detailsShow source
Silver physical cards live; Gold and Platinum physical cards coming soon
Card type
Debit cardConditions apply: tap or hover for detailsShow source
Pays from the Nebeus current accounts; no own balance
Debit card, Crypto-backed creditShow source
Network
MastercardShow source
VisaShow source
Custody model
CustodialConditions apply: tap or hover for detailsShow source
Spends fiat and crypto accounts held at Nebeus
Self-custodyShow source
Card issuer / program manager
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source
Tiers / plans
Free · Plus · ProShow source
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source
Fees
Annual fee
FreeConditions apply: tap or hover for detailsShow source
Basic plan; Silver $99, Gold $249, Platinum $999 a year
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Free plan; Plus and Pro prices not stated
Virtual card fee
FreeShow source
Other fees & markups
Payments from an account in another currency are converted at the Nebeus sell rateShow source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Free plan
0.5%Conditions apply: tap or hover for detailsShow source
Basic plan, Credit Mode
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Pro plan, up to €50 a month; Plus 0.5% up to €20 a month; only purchases paid from a crypto account
2%Conditions apply: tap or hover for detailsShow source
Platinum plan ($999/year), Credit Mode
Cashback paid in
EURShow source
USDCShow source
Cashback type
FiatShow source
StablecoinShow source
Interest on balance
6.15%Conditions apply: tap or hover for detailsShow source
Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)
Max cashback per month
€50/monthConditions apply: tap or hover for detailsShow source
Pro plan; Plus €20
Cashback conditions
Plus or Pro card plan · Only purchases paid from a crypto account count · Paid monthly around the 5th of the next monthShow source
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source
Reward exclusions
Payments from euro or other fiat accounts · ATM withdrawals and cash · Money transfers and card top-ups · Crypto, quasi-cash, financial services and securities · Gambling · Card feesShow source
Credit & financing
Credit line
NoShow source
YesShow source
Credit type
Crypto-backed creditShow source
Collateral assets
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source
Max loan-to-value
80%Conditions apply: tap or hover for detailsShow source
Tether vault; SOL and BTC 65%, ETH 70%
Liquidation risk
YesShow source
Spend own balance directly
YesShow source
Spend by borrowing against collateral
YesShow source
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
Silver plan; Gold and Platinum coming soon
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
Airport lounge access
NoConditions apply: tap or hover for detailsShow source
Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited
Spendable assets
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source
Blockchains
SolanaShow source
Limits
Spending limit
$2,000Conditions apply: tap or hover for detailsShow source
Per month, Basic plan; up to $750,000 on Platinum
Annual cost at 1,500 EUR/month
Nebeus Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+0 EUR
- Net annual valuenot enough data
XPlace Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashback+90 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers