Fold Bitcoin Debit Card vs Nexo Card
Head-to-head on the facts that decide your money - fee stacks, KYC, the bitcoin flow and limits.
Short answer: too close to call on the weighted score. The decision is your use case: check the bitcoin-flow rows below.
 Fold Bitcoin Debit Card |  Nexo Card | |
|---|---|---|
| Overall score | 6.9 | 6.7 |
| BTC load | BTC via in-app conversion | BTC via in-app conversion |
| BTC sale timing | BTC sold per transaction | Not documented |
| KYC | Full KYC | Full KYC |
| Custody | Custodial | Custodial |
| Top-up fee | 0% | 0% |
| FX fee | not documented | 0.2% |
| Monthly fee | none | none |
| Cashback | none | 2% in NEXO |
| Regions | US | EEA, UK, LATAM |
Pick Fold Bitcoin Debit Card if
- Known fee stack (0.0 vs 0.2 % equivalents on a $500/mo profile)
Pick Nexo Card if
- Higher documented cashback (2% vs none)
- Wider documented availability
Fold Bitcoin Debit Card
The reference bitcoin-back debit card in the US: sats on every swipe, FDIC pass-through on the dollar balance via Sutton Bank, BitGo custody and a Nasdaq-listed parent. Rewards are variable-rate spins rather than a fixed percentage - treat the sats as a bonus, not a yield.
Nexo Card
The most complete dual-mode card: one tap switches between spending your crypto (Debit, with daily interest) and borrowing against it (Credit, from 1.9%) - with free ATM allowances up to EUR 2,000/month and no card fees. The catch: meaningful cashback needs a $5,000+ portfolio and is denominated in NEXO, and it is EEA/UK-only.