Provider comparison
Nexo Card vs Plutus Card: compare effective rewards, reward asset, fees, regulation, and custody in one head-to-head table.
The Nexo Card is a crypto-backed credit card that lets you spend without selling your assets. It offers crypt…
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases,…
Effective rewards
Nexo Card
Plutus Card
Reward asset
Nexo Card
Plutus Card
Staking tier
Nexo Card
Plutus Card
Custody
Nexo Card
Plutus Card
Annual fee
Nexo Card
Plutus Card
FX fee
Nexo Card
Plutus Card
ATM fee
Nexo Card
Plutus Card
Conversion spread
Nexo Card
Plutus Card
Network
Nexo Card
Plutus Card
Apple / Google Pay
Nexo Card
Plutus Card
Region availability
Nexo Card
Plutus Card
| Feature | Nexo Card | Plutus Card |
|---|---|---|
| Effective rewards | 0.5-2% (credit-mode purchases only, not debit) | 3-9% PLU but only on eligible spend of GBP250-GBP1,000/month by plan; blended effective rate low |
| Reward asset | NEXO (up to 2%) or BTC (up to 0.5%) | PLU |
| Staking tier | Loyalty tier by NEXO-to-portfolio ratio; higher cashback needs >~$5k portfolio and NEXO holdings | Paid plan required (Starter GBP6.99 / Everyday GBP9.99 / Premium GBP19.99); optional PLU stake boosts rate/perks |
| Custody | Custodial | Custodial |
| Annual fee | No monthly or annual fee | Subscription-based (see plans) |
| FX fee | FX fee applies even in EEA/UK, higher on weekends | ~2.5% |
| ATM fee | Free to monthly limit by loyalty tier, then fee | Verify (limited free allowance) |
| Conversion spread | Standard, applies on debit-mode conversions | Fund from fiat/crypto; spread on top-up |
| Network | Mastercard | Visa |
| Apple / Google Pay | Yes | Yes |
| Region availability | EEA and UK only (exited US 2024); physical card orders temporarily paused | UK and EEA |
Nexo Card
The Nexo Card is a crypto-backed credit card that lets you spend without selling your assets. It offers crypto rewards on everyday purchases, but is custodial and requires careful review of terms.
Plutus Card
The Plutus Card is a non-custodial crypto card that lets you earn up to 3% crypto back on everyday purchases, combining a prepaid debit card with a self-custodial wallet.
Risk warning: Cryptocurrency is a volatile, high-risk asset class. Prices can fall as well as rise, and you could lose some or all of the money you put in. Custodial providers carry counterparty risk; self-custody puts key security entirely on you. This page is general information, not financial advice.
Line up any two providers side by side, or browse the full list to find your next platform.
