NexoNexo
66
Side-by-side card comparison
Nexo vs Decaf
Nexo Card has the higher Overall Score by 2 points (66 vs 64). Nexo Card looks stronger for Cashback, Travel, and Transfers, while Decaf Card comes out ahead for Funds control.
Latest check Oct 19, 202635 official sources reviewed
Nexo Card
Best fit
- Switching between spending savings and borrowing against crypto.
- Paying from Flexible Savings without moving funds to a card wallet.
- Existing NEXO holders who already qualify for higher loyalty tiers.
Before you choose
- Cashback requires Credit Mode and more than $5,000 in account assets.
- Credit Mode incurs borrowing costs and can trigger collateral liquidation.
- The advertised 2% reward is in NEXO; Platinum's BTC option pays 0.5%.
Decaf Card
Best fit
- Spending USDC received on Solana or Stellar through a separate card load.
- Using the virtual Visa for Apple Pay and Google Pay purchases.
- Receiving bank payments as USDC before allocating funds to the card.
Before you choose
- Virtual issuance costs $5; physical cards cost $10–$90 by region.
- US international fees are 1%; the non-USD international FX ceiling is 2%.
- Card collateral can be liquidated; US withdrawals require prior notice.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsNexo CardOverall66Decaf CardOverall64
Nexo CardOverall66Decaf CardOverall64Scores
- Overall Score
- Nexo Card66Decaf Card64
- Cashback score
- Nexo Card41Decaf Card29
- Travel score
- Nexo Card65Decaf Card60
- Funds control score
- Nexo Card52Decaf Card63
- Lowest fees score
- Nexo Card57Decaf Card57
- Transfers score
- Nexo Card91Decaf Card70
Costs
- Plan cost
- Nexo Card$0Decaf Card$0
- FX fee
- Nexo Card0.2–2.5%Decaf Card1–2%
- Top-up fee
- Nexo CardNot disclosedDecaf CardCard-load fee unknown; parent-account bank deposits have separate charges
- Card spending fee
- Nexo CardNot disclosedDecaf CardNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPDecaf Card0% Decaf markup
- Virtual card
- Nexo CardAvailable from $50 account balanceDecaf Card$5
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierDecaf Card$90 international / $10 US
Plans
- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumDecaf CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Decaf CardNot disclosed
Everyday use
- Network
- Nexo CardMastercardDecaf CardVisa
- Card formats
- Nexo CardVirtual, PhysicalDecaf CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableDecaf CardNot disclosed
- Mobile wallets
- Nexo CardApple Pay, Google PayDecaf CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebDecaf CardiOS, Android, Web
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionDecaf CardNot disclosed
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthDecaf CardNot disclosed
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthDecaf Card$250 per withdrawal; up to 3 withdrawals daily
Funding & transfers
- Networks
- Nexo CardNot disclosedDecaf CardSolana, Stellar
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Decaf CardStablecoins: USDC
- Fiat deposits
- Nexo CardNexo account bank depositDecaf CardUSD, EUR and MXN account receipts
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalDecaf CardParent-account bank withdrawals, MoneyGram cash pickup
- Payout currencies
- Nexo CardEUR, GBP, USDDecaf CardUSD, EUR, MXN, COP, BRL, ARS, VES
Rewards
- Base cashback
- Nexo Card0.5%Decaf CardNot disclosed
- Max cashback
- Nexo Card2%Decaf CardNot disclosed
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackDecaf CardNot disclosed
Earn
- Advertised APY
- Nexo CardUp to 13% APYDecaf CardNot disclosed
- How it works
- Nexo CardEarn on spending balanceDecaf CardOptional earn vault
- Separate deposit
- Nexo CardNot disclosedDecaf CardYes
- Use balance for spending
- Nexo CardYesDecaf CardNot disclosed
- Lock-up
- Nexo CardNoDecaf CardNot disclosed
Trust & availability
- Custody
- Nexo CardCustodialDecaf CardNon-custodial
- Control until payment
- Nexo CardProvider controls fundsDecaf CardNot disclosed
- Card issuer
- Nexo CardDiPocket UABDecaf CardThird National, Inc.
- Card processing
- Nexo CardNot disclosedDecaf CardRain
- Deposits & withdrawals
- Nexo CardNot disclosedDecaf CardMoneyGram
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Decaf CardNot disclosed
Sources
- Official sources
- Nexo Card14Decaf Card21
- Last reviewed
- Nexo CardSep 2, 2026Decaf CardOct 19, 2026
Choosing between these cards
When to choose Nexo or Decaf
Spending in foreign currencies
For FX on foreign-currency purchases, Nexo lists 0.2–2.5%, versus 1–2% at Decaf. Use the tariff for your country and plan; conversion fees can add to these figures.
Sending money to a bank
For bank payouts, Nexo has reviewed routes in EUR, GBP, USD; Decaf has routes in ARS, BRL, COP, EUR and other currencies. Choose the route for your destination currency and check its country coverage and fee.
Using the crypto you already hold
Nexo's reviewed deposit assets include ADA, AVAX, BNB, BTC and other assets; Decaf's include USDC. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
Nexo vs Decaf FAQ
Is Nexo or Decaf better overall?
Nexo Card has the higher Overall Score (66 vs 64). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Nexo or Decaf?
Decaf Card has the lower published FX fee (1–2% vs 0.2–2.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Nexo or Decaf?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and Decaf differ on custody?
Nexo Card uses a custodial balance setup, while Decaf Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Nexo vs Decaf comparison?
The latest information check for these two cards was October 19, 2026, using 35 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.