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按费用、KYC 要求、隐私评分与功能对比加密货币信用卡。

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  5. Nexo Card
Nexo Card
Nexo Card
完整 KYC
虚拟卡 Mastercard
7.1
综合
获取此卡
Nexo Card logo

Nexo Card

发行方 Nexo

获取此卡

Nexo Card 最大的特色是双模式设计——既可直接消费加密货币,也可将其作为抵押品换取信用额度。2% 返现与闲置余额最高 14% 的年化收益,对长期持有者很有吸引力。

优点

  • +独特的信用模式,可用加密资产抵押借款
  • +最高 2% 的 NEXO 代币返现
  • +闲置余额最高 14% 年化收益
  • +免月费与年费
  • +每月最高 2,000 欧元的 ATM 取现免费

缺点

  • -实体卡自 2025 年 1 月起暂时停发
  • -最优费率需持有 NEXO 代币
  • -美国不可用
  • -非 Platinum 用户的信用模式利率可能较高
  • -仅限欧洲经济区与英国
7.1/10
综合良好
8.4/10
社区评分基于 87 个信息来源
Lv 4
KYC 等级完整 KYC

目录

卡片概览

奖励
返现
2%
返现币种
NEXO
质押奖励
✓
质押年化收益
14%
新用户奖励
—
推荐奖励
—
费用
月费
免费
开卡费
免费
ATM 取现费
2%
外汇兑换费
0.2%
充值费
免费
交易拒付费
未披露
限额
每日消费
未披露
每月消费
未披露
ATM 取现
$2,000
卡片信息
卡片类型
虚拟卡, 实体卡
卡组织
Mastercard
Apple Pay
✓
Google Pay
✓
奖励
返现
2%
返现币种
NEXO
质押奖励
✓
质押年化收益
14%
新用户奖励
—
推荐奖励
—
费用
月费
免费
开卡费
免费
ATM 取现费
2%
外汇兑换费
0.2%
充值费
免费
交易拒付费
未披露
限额
每日消费
未披露
每月消费
未披露
ATM 取现
$2,000
卡片信息
卡片类型
虚拟卡, 实体卡
卡组织
Mastercard
Apple Pay
✓
Google Pay
✓

KYC 要求

Level: 完整 KYC
邮箱验证
需要
手机验证
需要
身份证件
需要
地址证明
需要
自拍验证
需要

社区评分

8.4/10
来源于
@Vladislav A.“The worst crypto card ever... Advertising 15-30 minutes ducement review.. Now it's been almost 3 weeks, since they are reviewing my documents.. this is a joke.. Support service is awfull..”@Jamie Baddeley“Very prompt, professional customer service. Excellent for people investing surplus income and who enjoying travelling thanks the global currency Mastercard with zero fees. Super easy user interface on the app. Been with Nexo several years now.”@Broker622504“$NEXO. its been solid for years, it gives me cashback for the nexo card in credit mode and this keeps my $ETH untouched while I cover monthly expenses”@CHI CHENG“I can save crypto , and get interest, that is good for me , more important at first I did not have credit card ( virtual ) , now I have and can spend , it is good too , yet if I can get a physical one , that will be great.”@Danny“I have been a Nexo customer, but my experience with their handling of unauthorized card transactions has been extremely disappointing. At the end of July, I reported approximately €10,000 worth of unauthorized Cursor transactions on my Nexo card. Cursor investigated the matter and confirmed to me multiple times that the transactions were connected to accounts that did not belong to me and were unauthorized. I provided Nexo with this correspondence and all requested information. Yet weeks later, I still do not have my money back. For more than a month, the main response from Nexo has essent”@Emanuel Casolaro“Utilizzo NEXO da ormai qualche anno: mai avuto un problema, mai un dubbio, ha sempre tutto funzionato in maniera egregia. Offre i migliori rendimenti sul mercato, è velocissimo nello spostamento del capitale e il loro token NEXO mi ha sempre dato grandi soddisfazioni. In più utilizzo la loro carta con il 2% di cashback e la trovo fantastica.”@janewallace7733“Swiping the @Nexo card in credit mode for everyday spend means zero selling pressure on my core $BTC position.”@Issur Cimbel“Great service with VCC. Regular use this app. Thank you!”@bolasp“Have been a customer quite a while and just started using the debit card and the experience is just great .. full control over the limits, tokens priority and infos on the website are easy to understand.”@Jan Affolter“Nexo is an excellent platform for crypto operations, offering savings, futures trading, buying and selling, lending, borrowing, and more. It also provides attractive yields. For me, the main limitation is country-related: I am unable to access the excellent Nexo Card. Although this is not Nexo’s fault, it is the feature I miss the most.”@radrok“You’ve already received an answer but I want to add that lately Nexo card uses an unfavorable exchange rate. You always pay more than the market price on the USD EUR pair, so when you repay either you wait for the dollar to weaken or you eat a straight loss on your repayment. I still can’t understand why they don’t allow us to spend in EUR in Europe… Maybe because they gain on the FX exchange”@Fickle_Replacement98“No cashback once the limit has been reached. My first hand experience.”@Daniel_IX“They fixed the problem with the withdraw to card issue, everything went smooth n instant.”@sharklover1337“Yea, I used my Nexo card to rent a car in Greece last year.”@According-Occasion11“Nexo card My nexo virtual card has expired and i can’t request a physical card. I am verified and live in Spain. ¿Is this mica related?”@CanYouEverReallyKnow“Access to Nexo Card Has anyone else lost access to the Nexo Card page within the app? I’ve been unable to order a replacement physical card and now have no access to the virtual card either. I’m UK registered which no doubt has an influence.”@mcshorts81“Tried to sign up and the UK excluded again. Card really is worthless in this country same with any bonuses and Nexo seems content to let it stay that way”@Gonzaxpain“Same case here. Expiring card in March 2026 in Spain, I've asked a few times but I still have no idea whether it will be renewed automatically or I will be another user who will not be able to use it anymore.”@radrok“About Nexo card exchange rate Lately I’ve been noticing that when Nexo converts EUR purchases into USD the exchange rate never reflects the actual market, it overcharges instead. In the past exchange rate was reflecting the market and always been vigilant about this because I’ve never liked this meaningless currency exchange in the first place but I’ve always put up with it because I’ve always been lucky with eurusd swings and I’ve almost always repaid when EUR was stronger thus making a gain on top of the cashback. For example, one transaction I did today got 1EUR : 1.15640 USD, but eur usd”

分项评分

KYC 便捷度
6.4/10
费用性价比
6.7/10
奖励价值
7/10
App 体验
7/10

功能

闪付(非接触支付)Mobile App返现Staking RewardsCrypto EarnVirtual CardPhysical CardOnline Payments免月费No Inactivity Fee

支持的加密货币

BTC iconBTCETH iconETHUSDT iconUSDTUSDC iconUSDCDAI iconDAIXRP iconXRPSOL iconSOLADA iconADADOT iconDOTMATIC iconMATICLINK iconLINKAVAX iconAVAXATOM iconATOMUNI iconUNIAAVE iconAAVE