NexoNexo
65
Side-by-side card comparison
Nexo vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 22 points (87 vs 65). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Nexo Card may still be the better personal fit.
Information checked Aug 25, 202632 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Nexo Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallNexo65ether.fi Cash87Higher score
CashbackNexo41ether.fi Cash86Higher score
TravelNexo65ether.fi Cash84Higher score
Funds controlNexo52ether.fi Cash96Higher score
Lowest feesNexo57ether.fi Cash69Higher score
TransfersNexo91ether.fi Cash97Higher score
Choose Nexo Card if its day-to-day setup suits you
Nexo Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Nexo65ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 22 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXether.fi Cash$0 plan · 0–0.2% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%ether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
- Funds control
- NexoCustodial balanceether.fi CashNon-custodial account
Nexo Card uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google Payether.fi CashVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0.5%-2%
- Plan cost
- $0
- FX fee
- 0.2–2.5%
- ATM fee
- 0–2%; minimum 1.99 EUR/GBP
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 10 crypto · 1 fiat
- Payout methods
- 4 crypto · 3 fiat
- Cashback
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsNexo CardOverall65ether.fi Cash CardOverall87
Nexo CardOverall65ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Nexo Card65ether.fi Cash Card87
- Cashback score
- Nexo Card41ether.fi Cash Card86
- Travel score
- Nexo Card65ether.fi Cash Card84
- Funds control score
- Nexo Card52ether.fi Cash Card96
- Lowest fees score
- Nexo Card57ether.fi Cash Card69
- Transfers score
- Nexo Card91ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Nexo Card$0ether.fi Cash Card$0
- FX fee
- Nexo Card0.2–2.5%ether.fi Cash Card0–0.2%
- Top-up fee
- Nexo CardNot disclosedether.fi Cash CardNot disclosed
- Card spending fee
- Nexo CardNot disclosedether.fi Cash CardNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPether.fi Cash Card2%
- Virtual card
- Nexo CardAvailable from $50 account balanceether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, Platinumether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Nexo CardPlatinum: 2%ether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Nexo CardMastercardether.fi Cash CardVisa
- Card formats
- Nexo CardVirtual, Physicalether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, Webether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedether.fi Cash CardOptimism
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3ether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Nexo CardNexo account bank depositether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Nexo CardEUR, GBP, USDether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Nexo Card0.5%ether.fi Cash Card3%
- Max cashback
- Nexo Card2%ether.fi Cash Card3%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYether.fi Cash CardUp to 5.02% APY
- How it works
- Nexo CardEarn on spending balanceether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Nexo CardNot disclosedether.fi Cash CardNot disclosed
- Use balance for spending
- Nexo CardYesether.fi Cash CardNot disclosed
- Lock-up
- Nexo CardNoether.fi Cash CardNot disclosed
Trust & availability
5 fields- Custody
- Nexo CardCustodialether.fi Cash CardNon-custodial
- Control until payment
- Nexo CardProvider controls fundsether.fi Cash CardYou keep control
- Card issuer
- Nexo CardDiPocket UABether.fi Cash CardThird National
- Deposits & withdrawals
- Nexo CardNot disclosedether.fi Cash CardSEPA third-party provider
- Programme operator
- Nexo CardNexo Services Sp. z o.o.ether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Nexo Card13ether.fi Cash Card19
- Last reviewed
- Nexo CardAug 5, 2026ether.fi Cash CardAug 25, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 65 for Nexo Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs 0.2–2.5%). ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%).
Nexo Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Nexo Card uses a custodial balance setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Nexo Card and ether.fi Cash Card reviews first.
Continue with
Nexo Card
Continue with
ether.fi Cash Card
05 · Common questions
Nexo vs ether.fi Cash FAQ
Is Nexo or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 vs 65). 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 ether.fi Cash?
ether.fi Cash Card has the lower published FX fee (0–0.2% 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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% vs 0.5%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and ether.fi Cash differ on custody?
Nexo Card uses a custodial balance setup, while ether.fi Cash 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 ether.fi Cash comparison?
The latest information check for these two cards was August 25, 2026, using 32 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.