I haven't encountered any fees so far. With nexo credit card you borrow against your wallet which means you can get liquidated for which they deduct 2% fee. Some say they play with users' funds against users (inducing that liquidation). This card doesn't offer a gracious period but it takes some time for merchant to claim the money. So I treat it as a prepaid debit card.

You get a cashback for every transaction (I guess 1% in nexo coin or 0,5 % in bitcoin) plus funds in your wallet are earning interests.

I don't know if it's worth it or best deal, but I needed to use funds from Hive quickly and it helped me get through the bills