Bitsa Card vs Nexo Card: Full Comparison 2026

Updated2 days ago

Live pricesvia CoinGecko

BTC$77,971▲ 1.45%

ETH$2,501▲ 1.65%

XRP$1.32▲ 1.00%

USDT$0.9992▼ 0.01%

Verdict

Winner: Nexo Card

Nexo Card takes it 2–1. Nexo Card converts cheaper (0.0%); Bitsa Card pays more back (Up to 15%); Nexo Card covers more regions.

Bitsa Card vs Nexo Card: the short version

Put Bitsa Card next to Nexo Card and the trade-off becomes clear quickly — one optimises cost, the other optimises access. Bitsa Card charges 1–2% per conversion — more than Nexo Card at 0.0% — so heavy users save more with Nexo Card. Bitsa Card answers with Up to 15% cashback, though headline rates like this almost always require a staking tier or monthly volume most people never reach. Both are usable across EU, so availability will not be the deciding factor there.

Key differences

Nexo Card converts at 0.0% against 1–2% on Bitsa Card — a gap of about 1.50 percentage points, or roughly $15.00 on every $1,000 you spend.
Bitsa Card advertises Up to 15% versus Up to 2% on Nexo Card — 7.5× the headline rate, usually tied to a staking or volume tier.
Nexo Card is available across EU, UK, Global; Bitsa Card is limited to EU.
Spending headroom differs: Bitsa Card is rated "Medium", Nexo Card "Up to €20k/mo".

Side-by-Side Comparison

Specification

Bitsa Card

Nexo Card

Conversion Fee

1–2%

0.0%

Cashback

Up to 15%

Up to 2%

KYC Required

Full

Supported Coins

BTC, ETH, USDT, LTC

BTC, ETH, NEXO, XRP

Regions

EU, UK, Global

Card Type

Virtual/Physical

Instant Issue

Limits

Medium

Up to €20k/mo

Category Breakdown

Fees

0.0% vs 1–2%

Nexo Card

Cashback

Up to 15% vs Up to 2%

Bitsa Card

KYC / Privacy

Both require Full KYC

Tie

Availability

3 regions vs 1

Nexo Card

Which one fits your situation

Everyday spending

Lower conversion cost (0.0%) on every purchase.

Nexo Card

Cashback hunters

Up to 15% against Up to 2%.

Bitsa Card

Travel

Virtual/Physical card covering EU, UK, Global.

Nexo Card

Stablecoin holders

Settles directly from BTC, ETH, USDT, LTC.

Bitsa Card

US residents

Only Nexo Card is available in US.

Nexo Card

LATAM residents

Only Nexo Card is available in LATAM.

Nexo Card

High spenders

Up to €20k/mo limits versus Medium.

Nexo Card

Bitsa Card vs Nexo Card: FAQ

Which is better, Bitsa Card or Nexo Card?

Nexo Card. Nexo Card takes it 2–1. Nexo Card converts cheaper (0.0%); Bitsa Card pays more back (Up to 15%); Nexo Card covers more regions.

Are Bitsa Card and Nexo Card available in the EU after MiCA?

Both serve EU residents, but since MiCA applied in full the issuer must hold an EEA authorisation, so the exact country list can change. Check the issuer's coverage page before applying.

Which coins do Bitsa Card and Nexo Card both support?

Both accept BTC, ETH. Beyond that, Bitsa Card supports BTC, ETH, USDT, LTC and Nexo Card supports BTC, ETH, NEXO, XRP.

Which has higher spending limits, Bitsa Card or Nexo Card?

Bitsa Card is rated "Medium" and Nexo Card "Up to €20k/mo". Limits usually rise with verification level and account history.

Is spending Bitsa Card or Nexo Card a taxable event?

In most countries yes: paying with either card converts crypto to fiat, which is a disposal. The card you pick does not change that — see our guide on crypto card taxes.