Nexo Card vs Uphold Debit Card (US)
Crypto native
Crypto native
Verdict
- Nexo Card scores higher overall (6.6 vs 5.6 out of 10).
- Nexo Card is clearly stronger on: Availability, Credit & financing.
- Uphold Debit Card (US) is clearly stronger on: Cashback & rewards, FX & international.
- For 1,500 EUR/month of spend, Uphold Debit Card (US) comes out about 256 EUR a year ahead on base-tier terms.
Nexo Card is a good fit for
- Stablecoin holders
- Users who need credit rather than a debit/prepaid card
Stronger on: Availability, Credit & financing
Uphold Debit Card (US) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
Stronger on: Cashback & rewards, FX & international
Score by criterion
| Criterion | Nexo Card | Uphold Debit Card (US) |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | 12 | 50 |
| Availability | 100 | 3 |
| FX & international | 20 | 40 |
| Product features | 70 | 70 |
| Custody & security | 75 | – |
| Credit & financing | 85 | 30 |
| Limits & ATM | 64 | 74 |
| Transparency | 86 | 86 |
| Best for Cashback | 4.7 | 5.6 |
| Best for Travel | 5.4 | 5.7 |
| Best for DeFi Users | 6.5 | 5.8 |
| Best for Stablecoins | 5.8 | 6.6 |
| Best for High Spenders | 4.6 | 5.9 |
| Best for Low Fees | 7.3 | 7.8 |
| Best for Beginners | 7.8 | 6.5 |
| Best Crypto Credit Card | 7.5 | n/a |
Product
Product status
ActiveShow source
Product status: Active
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
ActiveShow source
Product status: Active
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit card, Crypto-backed credit*Show source
Card type: Debit card, Crypto-backed credit
Dual mode: Debit Mode and crypto-backed Credit Mode
Source states (paraphrased): Switch between Credit and Debit Mode with one tap.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Dual mode: Debit Mode and crypto-backed Credit Mode
Debit cardShow source
Card type: Debit card
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
Mastercard*Show source
Network: Mastercard
Network inferred from the Mastercard trademark notice next to the card issuer disclosure
Source states (paraphrased): Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. The Nexo Card is issued by DiPocket UAB.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Network inferred from the Mastercard trademark notice next to the card issuer disclosure
VisaShow source
Network: Visa
Source states (paraphrased): Use anywhere Visa is accepted.
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Custody model
CustodialShow source
Custody model: Custodial
Source states (paraphrased): EEA custody, trading, and futures are provided respectively by Tangany and DLT Finance under MiCA and MiFID II.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Card issuer / program manager
DiPocket UABShow source
Card issuer / program manager: DiPocket UAB
Source states (paraphrased): The Nexo Card is issued by DiPocket UAB, an Electronic Money Institution
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Tiers / plans
Essential (no annual fee) · Elite ($99.99/year)Show source
Tiers / plans: Essential (no annual fee) · Elite ($99.99/year)
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Annual fee
FreeShow source
Annual fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Free*Show source
Annual fee: Free
Essential; Elite $99.99/year
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $99.99/year
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): No monthly, annual or inactivity fees.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Physical card fee
Free*Show source
Physical card fee: Free
Requires at least Gold Loyalty Tier and a portfolio balance above $5,000
Source states (paraphrased): The physical Nexo Card is also free, including shipping.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Requires at least Gold Loyalty Tier and a portfolio balance above $5,000
$4.99*Show source
Physical card fee: $4.99
Essential
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential
Virtual card fee
Free*Show source
Virtual card fee: Free
Activation needs a balance of at least $50 (not a fee)
Source states (paraphrased): The virtual Nexo Card costs nothing to get or activate.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Activation needs a balance of at least $50 (not a fee)
FX fee
2%*Show source
FX fee: 2%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
Source states (paraphrased): FX fees on weekdays: 0.2% EEA/UK/CH, 2% rest of world; higher weekend rates.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Weekdays, non-EEA/UK/CH currencies; 0.2% for EEA/UK/CH currencies; higher on weekends
1.5%*Show source
FX fee: 1.5%
Essential; Elite has no foreign transaction fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no foreign transaction fees
ATM fee
2% (min. €1.99)*Show source
ATM fee: 2% (min. €1.99)
After the free monthly allowance
Source states (paraphrased): 2% fee (min €1.99) per withdrawal above the free limit.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
After the free monthly allowance
$2.95*Show source
ATM fee: $2.95
Essential; Elite has no ATM fees
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite has no ATM fees
Free ATM allowance
€200/month*Show source
Free ATM allowance: €200/month
Per month, Base Loyalty Tier; Silver €400, Gold €1,000, Platinum €2,000
Source states (paraphrased): Base: Up to €200 / £180
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
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
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)
Source states (paraphrased): FX Fees on Weekends
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Cashback & rewards
Base cashback
0.5%*Show source
Base cashback: 0.5%
Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)
Source states (paraphrased): Base: 0.5% in NEXO Tokens or 0.1% in BTC
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Base Loyalty Tier, Credit Mode only, account balance above $5,000 in digital assets; paid in NEXO Tokens (0.1% if paid in BTC)
2%*Show source
Base cashback: 2%
Essential, paid in XRP
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential, paid in XRP
Max cashback
2%*Show source
Max cashback: 2%
Up to; Credit Mode only, depends on loyalty tier
Source states (paraphrased): Up to 2% cashback in NEXO Tokens or Bitcoin on Credit Mode spending.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Up to; Credit Mode only, depends on loyalty tier
4%*Show source
Max cashback: 4%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Elite ($99.99/yr) on crypto- or metal-funded purchases; 3% when funded by fiat or stablecoins
Cashback paid in
NEXO Token or BitcoinShow source
Cashback paid in: NEXO Token or Bitcoin
Source states (paraphrased): The cashback is paid out in NEXO Tokens or Bitcoin, with the option to change your cashback currency at any time.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
XRP (or other crypto at Uphold's discretion)Show source
Cashback paid in: XRP (or other crypto at Uphold's discretion)
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback type
Platform tokenShow source
Cashback type: Platform token
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
CryptoShow source
Cashback type: Crypto
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Interest on balance
3%*Show source
Interest on balance: 3%
Up to 3% APY on stablecoin balances; variable; no paid plan stated on page
Source states (paraphrased): earn rewards of up to 3% APY on stablecoin balances
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Up to 3% APY on stablecoin balances; variable; no paid plan stated on page
Max cashback per month
$120/month*Show source
Max cashback per month: $120/month
Essential; Elite $300/month
Source: Uphold Card Rewards Terms and Conditions
Official terms & conditions (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Essential; Elite $300/month
Cashback conditions
Only in Credit Mode · Account balance above $5,000 in digital assets · Rate depends on Loyalty Tier (ratio of NEXO Tokens held vs. rest of portfolio)Show source
Cashback conditions: Only in Credit Mode · Account balance above $5,000 in digital assets · Rate depends on Loyalty Tier (ratio of NEXO Tokens held vs. rest of portfolio)
Source states (paraphrased): when using your Nexo Card in Credit Mode if your account balance is above $5,000 worth of digital assets
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Higher cashback tiers depend on the share of NEXO Tokens held
Source states (paraphrased): the ratio of NEXO Tokens held against the rest of your portfolio will place you in one of four Loyalty Tiers
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Higher cashback tiers depend on the share of NEXO Tokens held
Staking asset
NEXO TokenShow source
Staking asset: NEXO Token
Source states (paraphrased): the ratio of NEXO Tokens held against the rest of your portfolio will place you in one of four Loyalty Tiers
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Minimum balance
$5,000*Show source
Minimum balance: $5,000
Digital-asset balance required to earn cashback
Source states (paraphrased): Cashback requires a balance above $5,000 in digital assets.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Digital-asset balance required to earn cashback
Credit & financing
Credit line
Yes*Show source
Credit line: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Credit Mode
NoShow source
Credit line: No
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Credit type
Crypto-backed creditShow source
Credit type: Crypto-backed credit
Source states (paraphrased): Credit Mode borrows against your crypto.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Interest notes
Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tierShow source
Interest notes: Crypto-backed Credit Line interest starting from 1.9% per year; rates vary by region and loyalty tier
Source states (paraphrased): Grow your buying power with crypto-backed Credit Lines starting from 1.9% interest.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
Repayment
Flexible repayment, no fixed schedule, no credit checksShow source
Repayment: Flexible repayment, no fixed schedule, no credit checks
Source states (paraphrased): Enjoy flexible repayment with no fixed schedule or credit checks.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Spend own balance directly
Yes*Show source
Spend own balance directly: Yes
Debit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Debit Mode
Spend by borrowing against collateral
Yes*Show source
Spend by borrowing against collateral: Yes
Credit Mode
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
Credit Mode
Availability
Available in
EEA, United Kingdom*Show source
Available in: EEA, United Kingdom
Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required
Source states (paraphrased): available only to citizens and residents of selected European countries, including the European Economic Area (EEA) and the United Kingdom
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Page says 'selected European countries'; ID document from the EEA, UK or another eligible European country required
United States*Show source
Available in: United States
Not in Louisiana, New York or US territories
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Not in Louisiana, New York or US territories
Features
Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): Apple Pay and Google Pay supported
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
Apple Pay: Yes
When available
Source states (paraphrased): Anywhere Visa is accepted worldwide, online and in person, including Apple Pay and Google Pay (when available).
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
When available
Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): Apple Pay and Google Pay supported
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
Google Pay: Yes
When available
Source states (paraphrased): Anywhere Visa is accepted worldwide, online and in person, including Apple Pay and Google Pay (when available).
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
When available
Physical card
Yes*Show source
Physical card: Yes
Requires Gold Loyalty Tier and above $5,000 portfolio
Source states (paraphrased): The physical Nexo Card is also free, including shipping.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Requires Gold Loyalty Tier and above $5,000 portfolio
Yes*Show source
Physical card: Yes
Essential: plastic $4.99; Elite: metal $0
Source states (paraphrased): Physical Card $0 (Metal card) $4.99 (Plastic card)
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Essential: plastic $4.99; Elite: metal $0
Virtual card
YesShow source
Virtual card: Yes
Source states (paraphrased): Activate your virtual card with just a tap and start making purchases.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
Virtual card: Yes
Essential and Elite: $0
Source states (paraphrased): Virtual Card $0 $0
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Essential and Elite: $0
ATM withdrawals
YesShow source
ATM withdrawals: Yes
Source states (paraphrased): Enjoy up to €2,000 / £1,800 in free ATM withdrawals per month.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 95%
Yes*Show source
ATM withdrawals: Yes
Essential: $2.95 per withdrawal; Elite: $0
Source states (paraphrased): ATM Withdrawal Fee $0 $2.95
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Essential: $2.95 per withdrawal; Elite: $0
Spend stablecoins
Yes*Show source
Spend stablecoins: Yes
Debit Mode
Source states (paraphrased): Spend stablecoins, crypto, and FiatX assets like EURx, USDx, and GBPx.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Debit Mode
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Funding your card with stablecoins. Use USD-pegged stablecoins to help keep taxes low.
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Spendable assets
Stablecoins · Crypto · EURx · USDx · GBPx*Show source
Spendable assets: Stablecoins · Crypto · EURx · USDx · GBPx
Debit Mode; specific coins not listed
Source states (paraphrased): Spend stablecoins, crypto, and FiatX assets like EURx, USDx, and GBPx.
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Debit Mode; specific coins not listed
Security & custody
Regulation / licences
Card issuer DiPocket UAB: Electronic Money Institution authorised by the Bank of Lithuania (licence 75) · Custody: Tangany GmbH, BaFin-regulated crypto-asset service provider under MiCAR*Show source
Regulation / licences: Card issuer DiPocket UAB: Electronic Money Institution authorised by the Bank of Lithuania (licence 75) · Custody: Tangany GmbH, BaFin-regulated crypto-asset service provider under MiCAR
Earn and Borrow are outside the scope of these authorisations
Source states (paraphrased): an Electronic Money Institution authorised and regulated by the Bank of Lithuania (licence number 75)
Source: Crypto Debit & Credit Card (EEA)
Official product page (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Earn and Borrow are outside the scope of these authorisations
USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bankShow source
Regulation / licences: USD balances held at Cross River Bank, Member FDIC (pass-through insurance up to $250,000 if conditions are met) · Uphold is not a bank
Source states (paraphrased): are held at Cross River Bank, Member FDIC, and are insured up to $250,000. Uphold is not an FDIC-insured bank.
Source: Introducing the Uphold Debit Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Annual cost at 1,500 EUR/month
Nexo Card
- Annual & monthly fees+0 EUR
- FX costs−72 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value18 EUR
Uphold Debit Card (US)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costs−32 EUR
- Cashback+360 EUR
- Net annual value274 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers