NexoNexo
65
Side-by-side card comparison
Nexo vs Spritz: overall score versus use-case fit
Nexo Card has the higher Overall Score by 3 points (65 vs 62). Nexo Card looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Spritz Card comes out ahead for Funds control.
Information checked Aug 28, 202654 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. Spritz 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.
OverallNexo65Spritz62Higher score
CashbackNexo41Spritz34Higher score
TravelNexo65Spritz46Higher score
Funds controlNexo52Spritz62Higher score
Lowest feesNexo57Spritz44Higher score
TransfersNexo91Spritz64Higher 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 Spritz Card if funds control matters most
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Nexo65Spritz62
Nexo Card has the higher Overall Score by 3 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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%Spritz0% base · up to 5%
Nexo Card has the higher published base cashback rate (0.5% vs 0%).
- Funds control
- NexoCustodial balanceSpritzHybrid custody
Nexo Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PaySpritzVirtual + 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 withdrawalSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Nexo Card lists more stablecoins and ways to send money out (5 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall65Spritz CardOverall62
Nexo CardOverall65Spritz CardOverall62Scores
6 fields- Overall Score
- Nexo Card65Spritz Card62
- Cashback score
- Nexo Card41Spritz Card34
- Travel score
- Nexo Card65Spritz Card46
- Funds control score
- Nexo Card52Spritz Card62
- Lowest fees score
- Nexo Card57Spritz Card44
- Transfers score
- Nexo Card91Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskSpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Nexo Card$0Spritz Card$0
- FX fee
- Nexo Card0.2–2.5%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Nexo CardNot disclosedSpritz Card1–3%
- Card spending fee
- Nexo CardNot disclosedSpritz Card0%
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPSpritz CardNot disclosed
- Virtual card
- Nexo CardAvailable from $50 account balanceSpritz CardNot disclosed
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierSpritz CardNot disclosed
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumSpritz CardNot disclosed
- Top cashback plan
- Nexo CardPlatinum: 2%Spritz CardNot disclosed
Everyday use
8 fields- Network
- Nexo CardMastercardSpritz CardVisa
- Card formats
- Nexo CardVirtual, PhysicalSpritz CardVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Nexo CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebSpritz CardiOS
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthSpritz CardNot disclosed
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthSpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Spritz CardOther crypto: Crypto top-up
- Fiat deposits
- Nexo CardNexo account bank depositSpritz CardNot disclosed
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Nexo CardEUR, GBP, USDSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Nexo Card0.5%Spritz Card0%
- Max cashback
- Nexo Card2%Spritz Card5%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYSpritz CardNot offered
- How it works
- Nexo CardEarn on spending balanceSpritz CardNot offered
- Separate deposit
- Nexo CardNot disclosedSpritz CardNot offered
- Use balance for spending
- Nexo CardYesSpritz CardNot offered
- Lock-up
- Nexo CardNoSpritz CardNot offered
Trust & availability
5 fields- Custody
- Nexo CardCustodialSpritz CardHybrid custody
- Control until payment
- Nexo CardProvider controls fundsSpritz CardProvider controls funds
- Card issuer
- Nexo CardDiPocket UABSpritz CardNot disclosed
- Card processing
- Nexo CardNot disclosedSpritz CardRain
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Spritz CardNot disclosed
Sources
2 fields- Official sources
- Nexo Card13Spritz Card41
- Last reviewed
- Nexo CardAug 5, 2026Spritz CardAug 28, 2026
04 · The trade-off
Nexo Card is the stronger all-round choice
Nexo Card finishes ahead with an Overall Score of 65 versus 62 for Spritz 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%).
Spritz 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 Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
Nexo Card lists more stablecoins and ways to send money out (5 vs 1). 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 Spritz Card reviews first.
Continue with
Nexo Card
Continue with
Spritz Card
05 · Common questions
Nexo vs Spritz FAQ
Is Nexo or Spritz better overall?
Nexo Card has the higher Overall Score (65 vs 62). 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 Spritz?
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 Spritz?
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 Spritz differ on custody?
Nexo Card uses a custodial balance setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Nexo vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.