NexoNexo
65
Side-by-side card comparison
Nexo vs Phantom: overall score versus use-case fit
Nexo Card has the higher Overall Score by 6 points (65 vs 59). Nexo Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Phantom Card comes out ahead for Funds control.
Information checked Aug 5, 202627 official sources reviewed
01 · Overall score versus use-case fit
Nexo Card is the better all-round starting point
Nexo Card has the higher Overall Score in this comparison. Phantom Card may be the better fit for Funds control. 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.
OverallNexo65Phantom59Higher score
CashbackNexo41Phantom14Higher score
TravelNexo65Phantom25Higher score
Funds controlNexo52Phantom89Higher score
Lowest feesNexo57Phantom44Higher score
TransfersNexo91Phantom88Higher score
Choose Nexo Card if cashback and travel matter most
Nexo Card comes out ahead for Cashback, Travel, 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose Phantom Card if funds control matters most
Phantom Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Self-custody until settlement
- Apple Pay and Google Pay
- No US purchase fee
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Nexo65Phantom59
Nexo Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXPhantomNot verified plan · May apply; shown before confirmation FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Nexo0.5% base · up to 2%Phantom0% cashback
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balancePhantomSelf-controlled wallet
Nexo Card uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayPhantomVirtual · Apple Pay, Google Pay
Nexo Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Nexo2 stablecoins · Stablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalPhantom5 stablecoins · Stablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
Phantom Card lists more stablecoins and ways to send money out (8 vs 5).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- 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
- 0%
- Plan cost
- Not disclosed
- FX fee
- May apply; shown before confirmation
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 1 crypto · 1 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsNexo CardOverall65Phantom CardOverall59
Nexo CardOverall65Phantom CardOverall59Scores
6 fields- Overall Score
- Nexo Card65Phantom Card59
- Cashback score
- Nexo Card41Phantom Card14
- Travel score
- Nexo Card65Phantom Card25
- Funds control score
- Nexo Card52Phantom Card89
- Lowest fees score
- Nexo Card57Phantom Card44
- Transfers score
- Nexo Card91Phantom Card88
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feePhantom CardSelf-custody until settlement, Apple Pay and Google Pay
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskPhantom CardUS-only and virtual-only, No ATM; international fee unclear
Costs
7 fields- Plan cost
- Nexo Card$0Phantom CardNot disclosed
- FX fee
- Nexo Card0.2–2.5%Phantom CardMay apply; shown before confirmation
- Top-up fee
- Nexo CardNot disclosedPhantom Card0.3–3.5%
- Card spending fee
- Nexo CardNot disclosedPhantom Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPPhantom CardNot available
- Virtual card
- Nexo CardAvailable from $50 account balancePhantom CardFree virtual card
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierPhantom CardNot available
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumPhantom CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Phantom CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardPhantom CardVisa
- Card formats
- Nexo CardVirtual, PhysicalPhantom CardVirtual
- ATM withdrawals
- Nexo CardAvailablePhantom CardNot available
- Mobile wallets
- Nexo CardApple Pay, Google PayPhantom CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebPhantom CardiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionPhantom Card$2,000 default daily and per transaction; up to $5,000/day by support request
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthPhantom CardMonthly card-spend limit not published
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthPhantom CardNot available
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedPhantom CardSolana
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Phantom CardStablecoins: USDC, USDT, USDG, PYUSD
- Fiat deposits
- Nexo CardNexo account bank depositPhantom CardStripe card, Apple Pay, Google Pay or linked-bank deposit, ACH transfer or domestic wire
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalPhantom CardStablecoin transfers; Standard ACH bank payout, Fast ACH bank payout
- Payout currencies
- Nexo CardEUR, GBP, USDPhantom CardUSD
Rewards
3 fields- Base cashback
- Nexo Card0.5%Phantom Card0%
- Max cashback
- Nexo Card2%Phantom Card0%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackPhantom CardNot applicable
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYPhantom CardNot disclosed
- How it works
- Nexo CardEarn on spending balancePhantom CardOptional earn vault
- Separate deposit
- Nexo CardNot disclosedPhantom CardYes
- Use balance for spending
- Nexo CardYesPhantom CardNo
- Lock-up
- Nexo CardNoPhantom CardNot disclosed
Trust & availability
7 fields- Custody
- Nexo CardCustodialPhantom CardSelf-custody
- Control until payment
- Nexo CardProvider controls fundsPhantom CardYou keep control
- Card issuer
- Nexo CardDiPocket UABPhantom CardLead Bank
- Card processing
- Nexo CardNot disclosedPhantom CardBridge Ventures LLC, Galileo
- Deposits & withdrawals
- Nexo CardNot disclosedPhantom CardStripe
- Identity verification
- Nexo CardNot disclosedPhantom CardLink
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Phantom CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13Phantom Card14
- Last reviewed
- Nexo CardAug 5, 2026Phantom CardAug 5, 2026
04 · The trade-off
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 65 versus 59 for Phantom Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Nexo Card has the higher published base cashback rate (0.5% vs 0%).
Phantom Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Nexo Card uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Phantom Card lists more stablecoins and ways to send money out (8 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 Phantom Card reviews first.
Continue with
Nexo Card
Continue with
Phantom Card
05 · Common questions
Nexo vs Phantom FAQ
Is Nexo or Phantom better overall?
Nexo Card has the higher Overall Score (65 vs 59). 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 Phantom?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Phantom?
Nexo Card has the higher published base cashback rate (0.5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Nexo and Phantom differ on custody?
Nexo Card uses a custodial balance setup, while Phantom Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Nexo vs Phantom comparison?
The latest information check for these two cards was August 5, 2026, using 27 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.