Nexo lets you spend without selling your crypto with free BTC cashback; Revolut Metal is a paid points-based neobank. A numbers-first comparison.
Short answer: for a crypto card in the real sense, Nexo wins — it's free, pays cashback in BTC, and lets you spend without selling your crypto (a credit line backed by your portfolio). Revolut Metal is a different product: a paid premium neobank account (~€17.99/month) whose rewards are points (RevPoints), not crypto cashback. The right pick depends on what you want: to put your crypto to work, or an all-in-one bank.
Here's the comparison, with the numbers.
Two opposite models
Nexo Card runs on a credit line secured by your crypto: you spend by borrowing against your portfolio rather than selling it. In practice you keep exposure to your assets and don't necessarily trigger a taxable disposal on every purchase. Cashback (up to 2%) is paid in BTC or NEXO, with no staking, on the Mastercard network. The card is free.
Revolut Metal is the premium tier of the Revolut neobank: a paid subscription (~€17.99/month, about €175/year) with a metal card, travel insurance, higher FX allowances and the RevPoints programme. These aren't crypto rewards: Revolut Metal isn't a crypto-cashback card.
The numbers
| Criterion | Nexo Card | Revolut Metal |
|---|---|---|
| Fees | €0/year | ~€17.99/month (~€175/year) |
| Crypto cashback | Up to 2% in BTC/NEXO | Virtually none (RevPoints, not crypto) |
| Model | Crypto credit line (spend without selling) | Neobank account |
| Staking | No | N/A |
| Network | Mastercard | Visa |
| Strong point | Keep your crypto + BTC cashback | All-in-one bank (travel, FX) |
Data from our own database, hand-checked. Revolut Metal's price varies by country.
The real trade-off
The two cards don't play on the same field. Nexo's unique edge is spending without selling: through the credit line you use your crypto as collateral rather than liquidating it — you keep exposure and avoid a disposal on every payment. Add free BTC cashback with no staking, and it's a true crypto card.
Revolut Metal is a high-end banking product: handy for travel, FX and running an account, but if your goal is crypto cashback, you're paying ~€175/year for non-crypto points. That's the nuance we highlight in our 2026 crypto card study: advertised cashback and real crypto cashback are two different things.
So which should you choose?
- ▸You want to put your crypto to work without selling it, with BTC cashback → Nexo Card: free, no staking.
- ▸You want an all-in-one premium bank (travel, FX, insurance) and crypto is secondary → Revolut Metal, accepting the subscription.
- ▸You're unsure → start with the best crypto cards: several are free and pay more in crypto than Revolut.
Frequently asked questions
Nexo or Revolut: which has the better crypto cashback? Nexo, clearly. It pays up to 2% in BTC, for free. Revolut Metal rewards in RevPoints (points), not crypto, and charges a subscription.
Does the Nexo Card let you spend without selling your crypto? Yes, that's its core idea: a credit line backed by your portfolio. You borrow against your crypto instead of liquidating it.
Does Revolut Metal give crypto cashback? Not really. Its RevPoints programme hands out points, not cashback paid in cryptocurrency.
Do I need to stake for Nexo cashback? No staking required. Your cashback rate depends on your Nexo loyalty tier.
Are both available across Europe and the UK? Yes, across the EEA and UK. Check country availability and current conditions on our brand pages.
This article compares product features for information only and is not investment advice. Rates, fees, conditions and availability change — always check the latest details with the issuer before signing up.
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