The Nexo Card earns its band on mechanics few cards match: a credit line that spends without selling, zero recurring fees, 0.2% weekday FX at home, and a balance that pays daily interest while it waits. For an EEA or UK holder already keeping assets on Nexo, it is one of the more complete spend products in the market. The allowlist stops at the EEA and UK, with US persons excluded outright. Physical ordering has been paused for over a year, leaving new users phone-only at the register. Cashback demands Credit Mode, a $5,000 portfolio, and tier progression before it pays anything beyond 0.5% NEXO or 0.1% BTC. And the FX advantage inverts abroad, where 2–2.5% is the operative rate. The score reflects a well-built product a limited set of people can fully use.