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THE NEXO CARD: SPEND WITHOUT SELLING YOUR CRYPTO

How it works, the trade-offs, and who spending against crypto actually suits.

By Liyam Flexer · Published Jun 15, 2024 · Updated Jun 13, 2026 · 5 min read

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Forget juggling wallets and multiple cards—the Nexo Card is here to make your financial life ridiculously easy. Whether you’re a crypto enthusiast or someone looking to streamline your spending, the Nexo Card has you covered. With two modes—Credit and Debit—you’re in control of how you want to spend, earn, and grow your assets. Want to know the best part? You can do all of this without selling a single satoshi!

How Does the Nexo Card Work?

Credit Mode

  • Use your crypto as collateral for a credit line. Spend without selling your assets. You heard that right—keep those precious Bitcoin and Ethereum while using the value locked in them.

Debit Mode

  • Spend your crypto directly, or even your traditional fiat currencies like EUR, GBP, or USD. Whether you're paying for your morning coffee or booking a vacation, the Nexo Card has you covered.

Key Features of the Nexo Card

Spend without Selling Your Crypto

No need to say goodbye to your Bitcoin or Ethereum. Use your crypto as collateral and keep benefiting from future gains. Crypto moonshot, anyone?

Multiple Currencies? No Problem!

Whether it's BTC, ETH, stablecoins, or traditional fiat currencies, the Nexo Card allows you to fund your account with ease and spend globally, anytime.

Global Acceptance, Minimal Fees

Use your Nexo Card at over 100 million merchants worldwide, with automatic foreign currency conversion and zero pesky fees.

Cashback & Interest Rewards

Up to 2% Cashback

Earn up to 2% cashback on every purchase, with the option to receive your rewards in BTC or NEXO Tokens. Coffee shop run? Get paid for it.

Earn Up to 14% Interest

Not only do you get cashback, but you can also earn daily compound interest on your crypto holdings while still having them available to spend. How's that for a win-win?

Competitive Credit Line Rates Starting from 2.9%

The Nexo Card offers low interest rates starting at 2.9%, way below the average credit card rate of 17.9%. Why pay more for using your money?

One Account to Rule Them All

Forget the headache of multiple accounts for spending, saving, and earning. With the Nexo Card, everything is managed in one place—easy-peasy.

Credit Mode

Use your crypto as collateral for everyday purchases—no need to sell your assets.

Debit Mode

Earn interest on your salary or savings while still having full access to your funds with Nexo’s debit option.

Zero Minimum Repayments, Zero Fees

Unlike traditional credit cards, the Nexo Card doesn’t tie you down with minimum monthly payments, inactivity fees, or even annual fees. Keep your money where it belongs—in your pocket.

Go Virtual – Spend Immediately

Who’s got time to wait for a physical card? Not you! With the Nexo Virtual Card, start spending instantly via Apple Pay or Google Pay while waiting for the physical card to arrive.

Travel & Earn

With the Nexo Card, you’re not just spending—you’re earning while globetrotting!

  • Accepted at over 100 million merchants worldwide.

  • Up to €2,000 in fee-free ATM withdrawals.

  • Generous €10,000 monthly withdrawal limit.

How to Get Your Nexo Card

1. Open the Nexo App

Download the app and head straight to the Card tab.

2. Activate Your Nexo Card

Follow the easy steps to activate your crypto card.

3. Add to Apple Pay or Google Pay

Fundamentals: Peace of Mind

Nexo makes managing your card super simple:

  • Freeze your card instantly if you lose it.

  • Change your PIN with just one tap.

  • Track transactions with real-time notifications.

Ready to Make the Switch?

If you're tired of traditional banking and credit cards that bleed you dry with fees and restrictions, it's time to make the switch to the Nexo Card. With cashback rewards, daily interest, and full control of your assets, it’s everything your old financial system isn’t.

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Frequently Asked Questions
How does the Nexo Card work?+

It offers Credit and Debit modes: in Credit mode you spend against a credit line backed by your crypto without selling it, and in Debit mode you spend your balance directly — earning cashback either way.

Can you earn rewards with the Nexo Card?+

Yes — the card offers cashback on purchases, payable in BTC or NEXO tokens, alongside low borrowing rates that let you access funds without liquidating your crypto.