NexoNexo
66
Side-by-side card comparison
Nexo vs Uphold US: overall score versus use-case fit
Uphold Card US has the higher Overall Score by 4 points (70 vs 66). Nexo Card looks stronger for Funds control, Lowest fees, and Transfers, while Uphold Card US comes out ahead for Cashback and Travel.
Information checked Oct 14, 202627 official sources reviewed
01 · Overall score versus use-case fit
Uphold Card US is the better all-round starting point
Uphold Card US has the higher Overall Score in this comparison. Nexo Card may be the better fit for Funds control, Lowest fees, and Transfers. 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.
OverallNexo66Uphold US70Higher score
CashbackNexo41Uphold US75Higher score
TravelNexo65Uphold US71Higher score
Funds controlNexo52Uphold US44Higher score
Lowest feesNexo57Uphold US56Higher score
TransfersNexo91Uphold US65Higher score
Choose Nexo Card if funds control and lowest fees matter most
Nexo Card comes out ahead for 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.
- Choose debit spend or credit-line use
- No base monthly or annual card fee
- Virtual card works with phone wallets
Choose Uphold Card US if cashback and travel matter most
Uphold Card US comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Essential has no annual fee
- Apple Pay and Google Pay
- Elite raises spending limits
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
- Nexo66Uphold US70
Uphold Card US has the higher Overall Score by 4 points.
- Entry cost & FX
- Nexo$0 plan · 0.2–2.5% FXUphold US$0 plan · 0–1.5% FX
Uphold Card US has the lower published FX fee (0–1.5% vs 0.2–2.5%).
- Purchase rewards
- Nexo0.5% base · up to 2%Uphold US2% base · up to 4%
Uphold Card US has the higher published base cashback rate (2% vs 0.5%).
- Funds control
- NexoCustodial balanceUphold USCustodial balance
Nexo Card and Uphold Card US use the same custodial balance setup.
- Everyday access
- NexoVirtual + Physical · Apple Pay, Google PayUphold USVirtual + 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 withdrawalUphold US0 stablecoins · US bank withdrawal
Nexo Card lists more stablecoins and ways to send money out (5 vs 2).
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
- 2%-4%
- Plan cost
- $0
- FX fee
- 0–1.5%
- ATM fee
- Essential: $2.95; Elite: $0
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 3 fiat
- Payout methods
- 0 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 CardOverall66Uphold Card USOverall70
Nexo CardOverall66Uphold Card USOverall70Scores
6 fields- Overall Score
- Nexo Card66Uphold Card US70
- Cashback score
- Nexo Card41Uphold Card US75
- Travel score
- Nexo Card65Uphold Card US71
- Funds control score
- Nexo Card52Uphold Card US44
- Lowest fees score
- Nexo Card57Uphold Card US56
- Transfers score
- Nexo Card91Uphold Card US65
Strengths & trade-offs
2 fields- Strengths
- Nexo CardChoose debit spend or credit-line use, No base monthly or annual card feeUphold Card USEssential has no annual fee, Apple Pay and Google Pay
- Trade-offs
- Nexo CardSpending follows the Nexo account model, Credit Mode adds collateral riskUphold Card USAsset sales can reduce rewards, Rewards have a disputed time window
Costs
7 fields- Plan cost
- Nexo Card$0Uphold Card US$0
- FX fee
- Nexo Card0.2–2.5%Uphold Card US0–1.5%
- Top-up fee
- Nexo CardNot disclosedUphold Card USACH: no deposit fee; external card: 3.99%
- Card spending fee
- Nexo CardNot disclosedUphold Card USNot disclosed
- ATM fee
- Nexo Card0–2%; minimum 1.99 EUR/GBPUphold Card USEssential: $2.95; Elite: $0
- Virtual card
- Nexo CardAvailable from $50 account balanceUphold Card USFree on both plans
- Physical card
- Nexo CardFree shipping; requires more than $5,000 account balance and at least Gold tierUphold Card USEssential: $4.99 plastic; Elite: metal included in $99.99 annual plan
Plans
2 fields- Available plans
- Nexo Card4 plans: Base, Silver, Gold, PlatinumUphold Card US2 plans: Essential, Elite
- Top cashback plan
- Nexo CardPlatinum: 2%Uphold Card USElite: 3%
Everyday use
8 fields- Network
- Nexo CardMastercardUphold Card USVisa
- Card formats
- Nexo CardVirtual, PhysicalUphold Card USVirtual, Physical
- ATM withdrawals
- Nexo CardAvailableUphold Card USAvailable
- Mobile wallets
- Nexo CardApple Pay, Google PayUphold Card USApple Pay, Google Pay
- Apps
- Nexo CardiOS, Android, WebUphold Card USiOS, Android
- Daily spending limit
- Nexo Card€10,000 / £9,000/day; €10,000 / £9,000/transactionUphold Card USEssential: $2,500/day; Elite: $25,000/day
- Monthly spending limit
- Nexo Card€60,000 / £54,000/monthUphold Card USEssential: $10,000/month; Elite: $100,000/month
- ATM limit
- Nexo Card€600 / £540/withdrawal; €2,000 / £1,800/day; €10,000 / £9,000/monthUphold Card USEssential: $500/day, $2,000/month; Elite: $2,000/day, $10,000/month
Funding & transfers
5 fields- Networks
- Nexo CardNot disclosedUphold Card USNot disclosed
- Crypto deposits
- Nexo CardStablecoins: USDC, USDT; Other crypto: BTC, ETH, SOL, XRP, ADA +3Uphold Card USNot disclosed
- Fiat deposits
- Nexo CardNexo account bank depositUphold Card USLinked US bank account, USD bank transfer, External card deposit
- Transfers
- Nexo CardStablecoin transfers; Nexo account internal transfer; Nexo account bank withdrawalUphold Card USUS bank withdrawal
- Payout currencies
- Nexo CardEUR, GBP, USDUphold Card USUSD
Rewards
3 fields- Base cashback
- Nexo Card0.5%Uphold Card US2%
- Max cashback
- Nexo Card2%Uphold Card US4%
- Reward currency
- Nexo CardNEXO Tokens or BTC cashbackUphold Card USXRP
Earn
5 fields- Advertised APY
- Nexo CardUp to 13% APYUphold Card USNot offered
- How it works
- Nexo CardEarn on spending balanceUphold Card USNot offered
- Separate deposit
- Nexo CardNot disclosedUphold Card USNot offered
- Use balance for spending
- Nexo CardYesUphold Card USNot offered
- Lock-up
- Nexo CardNoUphold Card USNot offered
Trust & availability
5 fields- Custody
- Nexo CardCustodialUphold Card USCustodial
- Control until payment
- Nexo CardProvider controls fundsUphold Card USProvider controls funds
- Card issuer
- Nexo CardDiPocket UABUphold Card USCross River Bank
- Custody / key management
- Nexo CardNot disclosedUphold Card USUphold HQ Inc.
- Programme operator
- Nexo CardNexo Services Sp. z o.o.Uphold Card USNot disclosed
Sources
2 fields- Official sources
- Nexo Card14Uphold Card US13
- Last reviewed
- Nexo CardSep 2, 2026Uphold Card USOct 14, 2026
04 · The trade-off
Uphold Card US is the stronger all-round choice
Uphold Card US finishes ahead with an Overall Score of 70 versus 66 for Nexo Card. Uphold Card US has the lower published FX fee (0–1.5% vs 0.2–2.5%). Uphold Card US has the higher published base cashback rate (2% vs 0.5%).
Nexo Card still comes out ahead for Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Nexo Card and Uphold Card US use the same custodial balance setup.
Nexo Card lists more stablecoins and ways to send money out (5 vs 2). 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 Uphold Card US reviews first.
Continue with
Nexo Card
Continue with
Uphold Card US
05 · Common questions
Nexo vs Uphold US FAQ
Is Nexo or Uphold US better overall?
Uphold Card US has the higher Overall Score (70 vs 66). 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 Uphold US?
Uphold Card US has the lower published FX fee (0–1.5% 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 Uphold US?
Uphold Card US has the higher published base cashback rate (2% 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 Uphold US differ on custody?
Nexo Card and Uphold Card US use the same custodial balance setup.
How current is this Nexo vs Uphold US comparison?
The latest information check for these two cards was October 14, 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.