Head to head
Nexo Card vs Coca Card
Both cards run on the same benchmark test, so this compares deducted cost rather than advertised rates.
| Metric | Ne Nexo Card | Co Coca Card |
|---|---|---|
| Overall rank | #19 of 35 | #2 of 35 |
| FX spread | 0.2% | 1.18% |
| Base cashback | 0.5% in NEXO or 0.1% in BTC (Base tier, Credit Mode, $5,000+ balance) | 1% in USDC, paid on the 10th |
| Custody | Custodial | Non-Custodial |
| Virtual card | Free, needs $50 balance | Free |
| Physical card | Free incl. shipping (Gold tier + $5,000 portfolio) | $1 + international shipping |
| Spend limit | $30,000 / month | |
| ATM withdrawals | Free €200/€400/€1,000/€2,000 per month by tier, then 2% (min €1.99) | Fee-free up to $250/month, network fees apply above |
| Setup time | Virtual card activates almost instantly | ~8 minutes |
| KYC steps | 2 | 4 |
| Score | Not rated yet | 9.2/10 |
Nexo Card
Nexo is the credit or debit card. Flip a switch and you borrow against your crypto instead of selling it. That's the whole pitch, and it's a good one if you're holding long term. FX is 0.2% on weekdays in Europe. It jumps to 0.7% on weekends and 2% to 2.5% outside Europe. Cashback needs $5k on the platform, and the 2% top tier needs NEXO tokens. Do the math before you chase it.
Coca Card
Coca takes the top spot because it pairs a genuinely non-custodial wallet with stablecoin cashback that cancels out its FX spread. A single-tier upgrade unlocks up to 8% cashback, 50% off subscriptions and 5% APY, which is the best value on offer anywhere in this ranking. It's also a useful crypto wallet entirely on its own. The crypto wallet includes WalletConnect, meaning you can integrate it into your own apps.
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+