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Nexo Card vs PENGU Card

Nexo Card

Crypto native

7.4
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PENGU Card

Crypto native

7.3
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Verdict

  • Nexo Card scores higher overall (7.4 vs 7.3 out of 10).
  • Nexo Card is clearly stronger on: Custody & security.
  • PENGU Card is clearly stronger on: Cashback & rewards.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Nexo Card is a good fit for

  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card
  • Frequent travellers

Stronger on: Custody & security

PENGU Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Cashback & rewards

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesNexo Card vs ether.fi CashPENGU Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionNexo CardPENGU Card
Fees100100
Cashback & rewards1351
Availability100100
FX & international92–
Product features7070
Custody & security7560
Credit & financing100–
Limits & ATM64–
Transparency100100
Best for Cashback5.26.7
Best for Travel8.06.7
Best for DeFi Users7.26.5
Best for Stablecoins7.4n/a
Best for High Spenders5.96.2
Best for Low Fees9.38.0
Best for Beginners8.18.4
Best Crypto Credit Card8.4n/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
ActiveShow source

Card type

Debit card, Crypto-backed creditConditions apply: tap or hover for detailsShow source

Dual mode: Debit Mode and crypto-backed Credit Mode

Stablecoin cardShow source

Network

MastercardConditions apply: tap or hover for detailsShow source

Network inferred from the Mastercard trademark notice next to the card issuer disclosure

VisaShow source

Custody model

CustodialShow source
CustodialShow source

Card issuer / program manager

DiPocket UABShow source
KASTShow source

Fees

Annual fee

FreeShow source
FreeConditions apply: tap or hover for detailsShow source

Free tier; $1,000/year and $10,000/year tiers

Monthly fee

FreeShow source
No data yet

Physical card fee

FreeConditions apply: tap or hover for detailsShow source

Requires at least Gold Loyalty Tier and portfolio above $5,000

No data yet

Virtual card fee

FreeConditions apply: tap or hover for detailsShow source

Balance of at least $50 required to activate; stays in account

No data yet

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

No data yet

ATM fee

2% (min. €1.99)Conditions apply: tap or hover for detailsShow source

After the free monthly allowance

No data yet

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

No data yet

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
No data yet

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)

1.5%Conditions apply: tap or hover for detailsShow source

Free tier

Max cashback

2%Conditions apply: tap or hover for detailsShow source

Up to; Credit Mode only, depends on loyalty tier

3%Conditions apply: tap or hover for detailsShow source

$10,000/year tier

Cashback paid in

NEXO Tokens or BitcoinShow source
No data yet

Cashback type

CryptoShow source
No data yet

Interest on balance

No data yet
12%Conditions apply: tap or hover for detailsShow source

Up to; Reserve account, 8% on Free tier

Cashback-eligible spend cap

No data yet
$2,000/monthConditions apply: tap or hover for detailsShow source

Monthly eligible spend on the Free tier; $10,000 and $40,000 on higher tiers

Cashback conditions

Credit Mode only · Account balance above $5,000 worth of digital assets · Rate depends on Loyalty TierShow source
No data yet

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

No data yet

Staking asset

NEXO TokenShow source
No data yet

Minimum balance

$5,000Conditions apply: tap or hover for detailsShow source

Digital-asset balance required to earn cashback

No data yet

Credit & financing

Credit line

YesConditions apply: tap or hover for detailsShow source

Credit Mode

No data yet

Credit type

Crypto-backed creditShow source
No data yet

Interest (APR)

1.9%Conditions apply: tap or hover for detailsShow source

'Starting from'; minimum rate

No data yet

Interest notes

Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source
No data yet

Repayment

Flexible repayment with no fixed schedule or credit checksShow source
No data yet

Spend own balance directly

YesConditions apply: tap or hover for detailsShow source

Debit Mode

No data yet

Spend by borrowing against collateral

YesConditions apply: tap or hover for detailsShow source

Credit Mode

No data yet

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

GlobalConditions apply: tap or hover for detailsShow source

170+ countries

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesConditions apply: tap or hover for detailsShow source

Requires Gold Loyalty Tier and above $5,000 portfolio

YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesShow source

Spend stablecoins

YesConditions apply: tap or hover for detailsShow source

Debit Mode

No data yet

Spendable assets

Stablecoins · Crypto · EURx · USDx · GBPxConditions apply: tap or hover for detailsShow source

Debit Mode; specific coins not listed

No data yet

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
No data yet

Deposit protection

NoConditions apply: tap or hover for detailsShow source

Applies to Earn and Borrow products

No data yet

Annual cost at 1,500 EUR/month

Nexo Card

  • Annual & monthly fees+0 EUR
  • FX costs−7 EUR
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+90 EUR
  • Net annual value83 EUR

PENGU Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+270 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Nexo Card comparisons

More PENGU Card comparisons