Updated October 18, 2026 · DebitCue Editorial Team
Nexo vs Yendo
Nexo
Higher score in this comparison
Yendo
Where Nexo and Yendo differ
| Compare | NexoReviewVisitVisit | YendoReviewVisitVisit |
|---|---|---|
| Annual fee | €0 | $40 |
| APR | from 1.9%Lower | 24.88% to 35.88% |
| Rewards rate | Up to 2% crypto cashback in NEXO Tokens, or 0.5% in BTC at Platinum tier, on purchases in Credit Mode | 1.5% unlimited cashback |
| Cashback rate | 0.5% to 2%Higher | 1.5% |
| Currency conversion fee | 0.2% to 2.5% | Not confirmed |
| Perks | Free ATM withdrawals up to EUR 2,000 / GBP 1,800 per month at Platinum tier, then 2% fee (min EUR/GBP 1.99), Apple Pay and Google Pay supported, Interest earned on unspent funds (Nexo Loyalty Program, up to 13% per year), Accepted at over 100 million merchants globally, Virtual card activated instantly with 50 USD balance; free shipping for physical card above 5,000 USD balance at Gold tier or higher, No monthly, annual or inactivity card fees | Not confirmed |
| Regulators | Not confirmed | NMLS |
Same on both: Rewards type (Cashback), Card kind (Credit).
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Key differences
- Nexo scores higher overall: 8.9 vs 8.7.
- Nexo is licensed in 5 more countries.
- Nexo is available in 35 more countries.
- APR is lower at Nexo: from 1.9% vs 24.88% to 35.88%.
- Cashback rate is higher at Nexo: 0.5% to 2% vs 1.5%.
- Support channels: only Nexo offers Help centre.
- Support channels: only Yendo offers Phone.
- Features: only Nexo offers Multi currency, Crypto, Virtual card.
- Features: only Yendo offers Rewards, Secured.
Our verdict on each
Nexo
Nexo suits people who hold crypto and want a card that costs nothing to keep and pays cashback in tokens. The monthly fee is €0, the cashback is paid in crypto rather than cash, and the conversion fee of 0.2% to 2.5% is the trade-off to weigh.
Yendo
Yendo suits spenders in the US who want vehicle secured credit with cashback on everyday purchases, backed by support across email, chat and phone. The card carries an annual fee of $40 and APR of 24.88% to 35.88%, with rewards paid as 1.5% unlimited cashback.
Score breakdown
| Area | Nexo | Yendo |
|---|---|---|
| Cost | 9.2HigherFree monthly and annual fees sit against a currency conversion fee of 0.2% to 2.5%, so spending abroad costs more. | 8.3Annual fee of $40 shapes fixed card cost |
| Offer | 9.3 | 9.3Cashback paid as 1.5% unlimited cashback drives card appeal |
| Trust | 8.4 | 8.8HigherOversight through NMLS supports confidence |
Where each is licensed and available
| Country | Nexo | Yendo |
|---|---|---|
| United States | NMLS 2758990 | |
| Argentina | Not confirmed | |
| Australia | AUSTRAC (Australia) DCE100843695-001 | Not confirmed |
| Hong Kong | Companies Registry (Hong Kong) TC007556 | Not confirmed |
| Poland | Ministry of Finance (Poland) RDWW-533 | Not confirmed |
| Seychelles | Not confirmed |
Available in 1 country for both. Additional countries for Nexo: 35.
A third option
Crezu ES has apr at 0% to 36%, against from 1.9% for Nexo and 24.88% to 35.88% for Yendo.
Crezu ES reviewSources behind this comparison
Nexo
- nexo.com: 14 facts, checked September 26, 2026
Yendo
- yendo.com: 11 facts, checked September 30, 2026
How they place
| Ranking | Nexo | Yendo |
|---|---|---|
| Credit cards | 10 of 1020 | 36 of 1020 |
| Cashback cards | 2 of 203 | 12 of 203 |
Every fact side by side
| Fact | Nexo | Yendo |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Features | Multi currency, Crypto, Virtual card, Custodial, Travel | Rewards, Secured |
| Audience | Business | Not confirmed |
| Legal entity | DiPocket UAB | Yendo Inc. |
| Headquarters | Not confirmed | United States |
| Founded | 2018 | Not confirmed |
| Support channels | Chat, Email, Help centre | Email, Chat, Phone |
Where each stands against the rest
| Fact | Nexo | Yendo | Median |
|---|---|---|---|
| APR | from 1.9%lowest quarter | 24.88% to 35.88%above the median | 19.39 |
| Currency conversion fee | 0.2% to 2.5%below the median | Not confirmed | 1 |
| Cashback rate | 0.5% to 2%above the median | 1.5%at the median | 1.5 |
Median across 312 listed cards.
Pros and cons
Nexo
Pros
- Free to keep: the monthly fee is €0 and the annual fee is €0.
- Cashback of 0.5% to 2% paid in NEXO Tokens, or in BTC at the Platinum tier.
- Free ATM withdrawals of €200 to €2,000 each month at the Platinum tier.
Cons
- Currency conversion costs 0.2% to 2.5%, above the site median of 1%.
- Support runs on chat, email and help centre only, with no phone line.
- Custody sits with the provider: the account is custodial, not self-custody.
Yendo
Pros
- Cashback paid as 1.5% unlimited cashback through cashback gives steady value on everyday card spending.
- Support through email, chat and phone gives choice across email, chat and phone when help matters.
- NMLS oversight through NMLS with licence 2758990 gives clear public records for US readers.
Cons
- Annual fee of $40 costs more than Oney Préstamos with fees of €0 when fixed charges matter.
- APR of 24.88% to 35.88% sits above typical cashback APR at 22.1%, which raises the cost of carried balances.
- Cashback at 1.5% through cashback may feel narrow next to Qonto for readers who want non rewards card use.
Who each suits
Nexo
Who it suits
- Crypto holders who want everyday spending to pay part of the cost back in tokens.
- Business users, the audience Nexo lists, who pay across several of the 100 supported currencies.
- Travellers who keep their cash withdrawals inside €200 to €2,000 each month.
Who should look elsewhere
- Wise, for anyone who wants a multi-currency account without crypto cashback or interest on unspent funds.
- Varo Believe Secured Credit Card, for a secured credit card rather than a crypto-linked card, at a monthly fee of $0.
- Chime Card (Secured Visa Credit Card), for building credit on a secured card, at a monthly fee of $0.
Yendo
Who it suits
- Drivers with a vehicle who want secured credit tied to cashback rewards on everyday spending
- US readers who value NMLS licensing clarity plus email, chat and phone support access
Who should look elsewhere
- Readers who want the lowest fixed fee should look at Oney Préstamos because it lists fees of €0 against Yendo fees of $40.
- Readers who want to avoid interest on carried balances should look at Qonto because card borrowing costs matter more than cashback here.
Country by country
| Country | Nexo | Yendo |
|---|---|---|
| Argentina | Yes | No |
| Australia | Yes | No |
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
8 of 36 countries where either is available.
Questions about each
Nexo
What does it cost to keep the Nexo card?+
The monthly fee is €0 and the annual fee is €0, and Nexo states there are no monthly, annual or inactivity card fees. The account is aimed at business users, so holding the card adds no fixed running cost to a budget.
What is the currency conversion fee?+
Conversion costs 0.2% to 2.5%, which sits above the site median of 1%. Spending in a currency other than your balance currency is the main cost to plan for, and free ATM withdrawals only run to €200 to €2,000 a month at the Platinum tier.
Yendo
What does the Yendo card charge each year+
Yendo lists an annual fee of $40 for the card. You pay that charge to keep the account open even when spending stays modest. Compare that amount with cards that list lower fixed fees before you apply.
How does interest work when a balance carries over+
Yendo lists APR of 24.88% to 35.88% for balances that revolve. You face interest charges when you carry debt past the due date. Paying the statement balance in full helps you avoid those extra costs.