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If you're from Nicaragua, here are 4 crypto cards that will accept your registration.
TLDR: No time to read everything? Skip down to the one best card we recommend for Nicaragua, based on all the analysis and criteria.
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USD
No Apple Pay
up to 3% cashback
App Supports Spanish (Español)
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USD
Apple Pay
1% cashback
App Supports Spanish (Español)
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EUR
Apple Pay
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USD
Apple Pay
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How Much Is the Foreign Exchange Fee to Use These Cards in Nicaragua?
Since these cards are denominated in USD or EUR, every time you spend in Nicaragua, your payment needs to be converted into Nicaraguan Cordoba first. Your card will charge an FX fee when converting to NIO.
Here's how they compare when it comes to foreign exchange (FX) fees.
* Visa and Mastercard charge around ~1% on top of the card's FX fee.
Example: Cashi charges 1% foreign exchange fee. On a 350.00 Cordobas purchase, you pay C$350.00 + C$3.50 foreign exchange fee + C$3.50 Visa foreign exchange fee = C$357.00.
When a payment terminal asks, choose the local currency, Cordobas. This lets your crypto card handle the exchange rate, so you can be sure of the exact percentage you will pay. If you choose USD, the local POS terminal bank does the conversion instead, often at a worse rate. In some countries, that markup can reach 8%.
Which of These Crypto Cards Support Spanish (Español)?
Here are all the crypto cards that support Nicaragua and offer their app in Spanish (Español):
To see all crypto cards that support Spanish (not only Nicaragua cards), see the list here.
How Much Cashback Do These Crypto Cards Pay?
Out of the 4 crypto cards available in Nicaragua, 2 offer cashback.
The highest advertised cashback % is usually not what you get on the free tier. You may need to pay a monthly fee or stake a large amount of tokens to unlock it.
Below you will see the entry-level cashback rate instead: what you can earn on the Free tier.
Cashi
3%
daily spend limit 50,000 USD
Pionex
C$18,449
1% cashback
daily spend limit 10,000 USD
Cashi
3%
free tier
C$540
monthly cap reached
capped at C$1,845 a month
same on every tier
Cashi Card offers 1%-3% cashback on certain purchases only, depending on what you spend on.
| Spend Category | Cashback | Restrictions |
| Monthly Subscriptions | 3% | Amazon Prime, Google One, Canva, Uber One Membership Must subscribe directly or via Google Play, not via Apple Store |
| Online Purchases | 2% | Eligible categories: fashion, beauty, electronics, groceries, furniture, appliances, books, toys, games, sports equipment, and general retail. There is a max $10 cashback per store per month. |
| Travel | 1% | Airlines, Hotels, Travel Agencies. Max $20 cashback for travel per month. |
Your cashback is paid as spending credit which you can use for future card purchases. It never expires but you can't withdraw it to another wallet.
Pionex
1%
free tier
C$180
monthly cap reached
capped at C$18,449 a month
same on every tier
Pionex Card offers 1% cashback on eligible purchases.
The cashback basically offsets the 1% FX fee on non-USD purchases, making the FX cost 0%. Nice.
And, there is no cashback cap. Max monthly spend is $50,000, so you can earn up to $500 cashback per month.
Reality CheckSome other crypto cards advertise higher cashback %, but you may end up earning less because their monthly cashback caps are much lower. When compared at the entry-level tier, Pionex Card's 1% cashback offers more value:
| Pionex Card | Industry Average1 | |
| Entry Level Cashback | 1% | 1% |
| Entry Level Cashback Monthly Cap | 500 USD | 60 USD |
Cashback is paid on the amount you spend, and most cards limit how much you can earn. Some publish a monthly cap, and the figure above stops there. Others advertise a rate that only applies to the first slice of your monthly spend, then drop to a much lower ongoing rate - that drop is applied above too. Either way, a headline rate on its own tells you very little.
Here are all crypto cards that support Nicaragua but DO NOT offer cashback:
Is There an Ideal Crypto Card for Nicaragua?
To help you pick the best card, here goes. You should look at cards that have no monthly fee and no foreign exchange fee, let you spend without limits, pay you cashback, come with a physical card, and work with Apple Pay.
No card in Nicaragua offers all 6 of these features yet. These are the ones that come closest:
| No Monthly Fee | 0% Foreign Exchange Fee | Unlimited Spend | Offers Cashback | Has Physical Card | Has Apple Pay | ||
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Cashi
Supports Español
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No Monthly Fee: yes | 0% Foreign Exchange Fee: no1% | Unlimited Spend: yes | Offers Cashback: yes | Has Physical Card: no | Has Apple Pay: no | Go to Site Our Review8 |
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Pionex
Supports Español
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No Monthly Fee: yes | 0% Foreign Exchange Fee: no1% | Unlimited Spend: no10,000 USD | Offers Cashback: yes | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review7.5 |
![Kinesis Card [EU]](https://cryptonoshi.com/wp-content/uploads/KinesisCard-540x348.png) Kinesis [EU]
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No Monthly Fee: yes | 0% Foreign Exchange Fee: no1% | Unlimited Spend: no15,000 EUR | Offers Cashback: no | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review6.5 |
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Exa
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No Monthly Fee: yes | 0% Foreign Exchange Fee: no1.5% | Unlimited Spend: no10,000 USD | Offers Cashback: no | Has Physical Card: no | Has Apple Pay: yes | Go to Site Our Review6.3 |
Cashi comes close, but it has a foreign exchange fee of 1%, no physical card and no Apple Pay. Pionex is not far behind, with a foreign exchange fee of 1%, a spending limit of 10,000 USD a day and no physical card. Kinesis [EU] also makes the shortlist, though it has a foreign exchange fee of 1%, a spending limit of 15,000 EUR a day, no cashback and no physical card.
Best for Nicaragua: If you're from Nicaragua, the best card for you to use, based on the above, is Cashi Card.
FOR NICARAGUA READERS
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