NexoNexo
66
Side-by-side card comparison
Nexo vs MPChat
Nexo Card has the higher Overall Score by 14 points (66 vs 52). Nexo Card looks stronger for Cashback, Funds control, and Transfers, while MPChat Card comes out ahead for Travel and Lowest fees.
Latest check Nov 12, 202644 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%.
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
Fees & features
Compare the details
CardsNexo CardOverall66MPChat CardOverall52
Nexo CardOverall66MPChat CardOverall52Scores
- Overall Score
- Nexo Card66MPChat Card52
- Cashback score
- Nexo Card41MPChat Card18
- Travel score
- Nexo Card65MPChat Card72
- Funds control score
- Nexo Card52MPChat Card41
- Lowest fees score
- Nexo Card57MPChat Card60
- Transfers score
- Nexo Card91MPChat Card58
Costs
- Plan cost
- Nexo Card$0MPChat Card$0
- FX fee
- Nexo Card0.2–2.5%MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate
- Top-up fee
- Nexo CardNot disclosedMPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to card
- Card spending fee
- Nexo CardNot disclosedMPChat Card$0.10 + 0.8%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPMPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM access
- Virtual card
- Nexo CardAvailable from $50 account balanceMPChat CardCloud: 10 USDT one time
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierMPChat CardBoundless: 100 USDT one time
Plans & rewards
- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumMPChat Card2 plans: Cloud Card, Boundless Card
- Top cashback plan
- Nexo CardPlatinum: 2%MPChat CardNot disclosed
- Base cashback
- Nexo Card0.5%MPChat CardNot disclosed
- Max cashback
- Nexo Card2%MPChat CardNot disclosed
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackMPChat CardNot disclosed
Everyday use
- Network
- Nexo CardMastercardMPChat CardVisa
- Card formats
- Nexo CardVirtual, PhysicalMPChat CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableMPChat CardAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayMPChat CardGoogle Pay
- Apps
- Nexo CardiOS, Android, WebMPChat CardNot disclosed
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionMPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lower
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthMPChat CardUp to $1,000,000 per month; app limit may be lower
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthMPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthly
Funding & transfers
- Networks
- Nexo CardNot disclosedMPChat CardTron (TRC20)
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3MPChat CardStablecoins: USDT
- Fiat deposits
- Nexo CardNexo account bank depositMPChat CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalMPChat CardStablecoin transfers
- Payout currencies
- Nexo CardEUR, GBP, USDMPChat CardNot disclosed
Earn
- Advertised APY
- Nexo CardUp to 13% APYMPChat CardNot offered
- How it works
- Nexo CardEarn on spending balanceMPChat CardNot offered
- Separate deposit
- Nexo CardNot disclosedMPChat CardNot offered
- Use balance for spending
- Nexo CardYesMPChat CardNot offered
- Lock-up
- Nexo CardNoMPChat CardNot offered
Trust & availability
- Custody
- Nexo CardCustodialMPChat CardCustodial
- Control until payment
- Nexo CardProvider controls fundsMPChat CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABMPChat CardNot disclosed
- Programme operator
- Nexo CardNexo Services Sp. z o.o.MPChat CardNot disclosed
Sign-up Offers
Nexo Card
No active signup offer listed.
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Choosing between these cards
When to choose Nexo or MPChat
Using the crypto you already hold
Nexo's reviewed deposit assets include ADA, AVAX, BNB, BTC and other assets; MPChat's include USDT. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Matching the card to your plans
Nexo: Switching between spending savings and borrowing against crypto. MPChat: MPChat Pay users allocating USDT to a separate Visa spending balance.
Common questions
Nexo vs MPChat FAQ
Is Nexo or MPChat better overall?
Nexo Card has the higher Overall Score (66 vs 52). 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 MPChat?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate 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 MPChat?
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 MPChat differ on custody?
Nexo Card and MPChat Card use the same custodial balance setup.
How current is this Nexo vs MPChat comparison?
The latest information check for these two cards was November 12, 2026, using 44 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.