Ruby Steel vs Nexo Card
Detailed comparison
| Ruby Steel | Criteria | Nexo Card |
|---|---|---|
| 1 % | Base cashback | 0,5 % |
| 2 % | Premium cashback | 2 % |
| Free | Annual fees | Free |
| 400 € | Staking required | None |
| 10 000 € | Daily limit | 10 000 € |
| Visa | Network | Mastercard |
| Available in Europe | ||
| Free ATM withdrawals |
Accepted cryptos9
Accepted cryptos7
Ruby Steel vs Nexo Card: which crypto card should you choose?
The Nexo Card and Crypto.com Ruby Steel are often compared as they target a similar profile: active crypto investors seeking cashback without locking up tens of thousands of euros. The Crypto.com Ruby Steel requires €400 CRO staking for 2% cashback in CRO, while the Nexo Card offers 2% in BTC with no mandatory staking. The key difference: CRO is more volatile than BTC.
Cashback and rewards: advantage Ruby Steel or Nexo Card?
Cashback is often the primary selection criterion for a crypto card. Both Ruby Steel and Nexo Card offer variable reward levels depending on staked token amounts. As a general rule, the higher the staking, the better the cashback rate, sometimes up to 5% or more. It's worth calculating whether the extra return justifies locking up capital, taking into account the volatility of crypto assets.
Fees, staking requirements and conditions
Beyond cashback, annual fees and staking requirements play a decisive role in a card's real profitability. Ruby Steel and Nexo Card differ on these points: one may be free under certain conditions, while the other requires a token commitment. ATM withdrawals, foreign-currency charges and any monthly commissions should also factor into your analysis.
Our verdict: Ruby Steel vs Nexo Card
For 2026, both cards offer similar cashback (2% each), but the Nexo Card has the edge thanks to no staking requirement and BTC rewards vs. a proprietary token (CRO). If you already hold CRO on Crypto.com, the Ruby Steel makes sense. Otherwise, the Nexo Card is the default recommendation. Score: Nexo Card 4.2/5 vs Crypto.com Ruby Steel 4.0/5.
Frequently Asked Questions
How much staking does the Crypto.com Ruby Steel require?
The Crypto.com Ruby Steel requires staking €400 in CRO for 180 days to earn 2% cashback. The Nexo Card has no staking requirements.
Is Nexo cashback paid in BTC or NEXO?
Your choice: 2% in BTC or 2% in NEXO. BTC cashback is generally recommended for those looking to accumulate Bitcoin.
Check the full terms on the official website.
View offerHow to choose between two crypto cards?
Comparing two crypto cards is not just about looking at the cashback rate on the label. You need to factor in the staking amount required to unlock that rate, the annual fees that eat into net returns, the daily spending limits, and the geographic availability of the card. For instance, a card offering 5% cashback but requiring €10,000 in staking may be less attractive than a 2% card with no staking requirement, depending on your profile. Our comparison puts all these criteria side by side to help you make the best decision. You can also use our cashback simulator to calculate your estimated return based on your spending habits.
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