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Exa Card vs Nexo Card

Exa Card scores higher on the G2M score: 67/100 against 63/100 (#9 and #13 of 26 cards). Exa Card also comes out ahead on cashback, a lower FX fee, more countries and control of your funds.

Exa Card67

#9 of 26 · 1% back · annual fee none

Get ExactlyRead the review
Nexo Card63

#13 of 26 · 0.5% to 2% back · annual fee none

Get NexoRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 63/100 (#9 and #13 of 26 cards).
  • Exa Card pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 2% on Nexo Card.
  • Neither card has an annual fee.
  • Exa Card charges less on foreign currency: a 1.5% FX fee against 2%.
  • Exa Card lists 46 countries where it works; Nexo Card does not publish a full country list (34 confirmed so far). Of the markets we check for every card, only Exa Card is confirmed in United States and UAE, and only Nexo Card is confirmed in United Kingdom and EU / EEA.
  • Exa Card is self-custodial; Nexo Card is custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
Exa Card
Nexo Card
G2M score
67 (better)
63
Base cashback
1% (better)
0.5%
Max cashback
1%
2% (better)
Paid in
Not published
NEXO or BTC
Annual fee
Free
Free
FX fee
1.5% (better)
2%
Top-up fee
0%
0%
Per-purchase fee
None listed
None listed
ATM
$1 + 0.65% per withdrawal; up to $250 each
Free up to $150 (Base), $300 (Silver), $600 (Gold) or $2,000 (Platinum) a month, then 2% (min $1.99)
Network
Visa
Mastercard
Card type
Varies by region
Varies by region
Custody
Self-custodial
Custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
No
United States
Yes
No
United Kingdom
No
Yes
EU / EEA
No
Yes
Countries
46
34
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
3 currencies
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Yes
Yes
Yield on your balance
Yes
Yes
Tiers
Global · United States
Base · Silver · Gold · Platinum
Perks
Concierge · Extended warranty · Purchase protection
Credit mode: spend without selling your crypto · Personal EUR IBAN, GBP and USD accounts · Free ATM withdrawals up to $150 a month · Free ATM withdrawals up to $300 a month · Free ATM withdrawals up to $600 a month

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, Exa Card or Nexo Card?

Exa Card scores higher on the G2M score: 67/100 against 63/100 (#9 and #13 of 26 cards). Exa Card also comes out ahead on cashback, a lower FX fee, more countries and control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, Exa Card or Nexo Card?

Neither card has an annual fee. Exa Card charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, Exa Card or Nexo Card?

Exa Card pays more cashback on its entry tier: 1% against 0.5%. Higher tiers go up to 2% on Nexo Card.

Which works in more countries, Exa Card or Nexo Card?

Exa Card lists 46 countries where it works; Nexo Card does not publish a full country list (34 confirmed so far). Of the markets we check for every card, only Exa Card is confirmed in United States and UAE, and only Nexo Card is confirmed in United Kingdom and EU / EEA.

Who holds my funds with Exa Card and Nexo Card?

Exa Card is self-custodial; Nexo Card is custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.