Exa Card
- Self-custodial card, you own your funds
- Visa Signature benefits, like price match, extended warranty on tech, etc
- USD Virtual account in your name
- Apple Pay Enabled
- Supports only Optimism Chain right now
- 10k weekly spend limit (have to ask to get more)
- 1.5% fx fee is on the high side
- No physical card
- No cashback
-
Key Features
| Launched | July 2024 (2 years ago) |
|---|---|
| Visa or MC | |
| Debit or Credit | Prepaid Card |
| Denominated In | $ USD |
| Apple Pay | Enabled |
| Monthly Fee | 0.00 USD |
| Monthly Inactivity Fee | 0.00 USD |
| Crypto to USD Crypto->USD Conversion Cost | ~1.5% |
| Cashback | None |
| Daily Spending Limit | 10,000 USD |
| Daily ATM Withdrawal Limit | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 1.5% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Identity VerificationID Verification | KYC Requiredi |
| Crypto Asset Management | Non-Custodial (you can move funds without the wallet provider) |
| Supported Blockchains | Optimism |
| Supported Cryptocurrencies | ETHOPUSDCWBTCWSTETH |
| Supported Countries | AndorraUnited Arab EmiratesAfghanistanAntigua and BarbudaAnguillaAlbaniaArmenia |
Exa Card Benefits and Rewards
Exa Card does not offer cashback right now, but it may be added in the future.
Exa Card is a Visa Signature - Here Are the Bonus Perks You Get
Your Exa Card runs on Visa Signature tier and is issued in 🇵🇷 Puerto Rico - which automatically gets you a set of perks straight from Visa, on top of what Exa offers.
Premium Visa Signature is Visa's second-highest consumer tier - a step up from Platinum and just below the top-of-the-line Infinite.
If you pay for your car rental with your Exa Card and decline the optional insurance upgrade they push at the counter, you'll get Visa Signature insurance coverage worldwide for theft and collision on rentals up to 31 days, with no deductible.
Note:Since Exa doesn't have a physical card yet and most rental companies require one at the counter, you may not be able to use this benefit until Exa launches their physical card.
With your Exa Card, you get discounted access to 1,300+ airport lounges worldwide. For example, the Marhaba Lounge at Dubai (DXB) costs $53 for walk-ins, but you can book it for $32 via Visa Airport Companion app.
More Benefits
When you pay for an item with your Exa Card, Visa automatically adds up to 1 extra year on top of the manufacturer's warranty, free. So a MacBook with a 1-year Apple warranty becomes 2 years of coverage. Works on most electronics and appliances, coverage is up to $10,000 per year.
If you spot the same item advertised at a lower price within 30 days (7 days for online purchases), Visa refunds you the difference, free. So if you buy a PlayStation for $500 with your Exa Card and see it on sale for $400 a few weeks later, you get $100 back. Works on most retail purchases, with up to $500 back per item and 4 claims per year.
If your laptop gets stolen within 180 days of buying it, Visa covers you - automatically, for free. You must have paid with your Exa Card, filed a police report within 48 hours, and submitted your claim within 90 days to receive up to $10,000 per year, on most items bought anywhere in the world.
Do I have to sign up with Visa first to qualify for benefits?
Benefits kick in automatically, but you have to pay for your car rentals, electronics, and anything else you want covered, with your Exa Card.
Registering isn't required, but it makes filing claims much easier later. Go to Visa Benefits Portal, pick Puerto Rico: English at the top, and register your Exa Card. That gets you in.
Exa Card is a Prepaid Card
- Debit Card
- Credit Card
- Prepaid Card
- US
USA-based Bank Account- in your name
Useful Card Structure:Exa Card functions like a prepaid card, but on the backend, it is classified as a credit card. This means that while you cannot borrow money with this card, it will work at places requiring pre-authorizations.
Exa Card carries its own balance, and you'll need to top it up before use. Alongside, Exa offers you a personal bank account. You'll receive a USA-based bank account number, issued in your name, which is a nice additional option to have.
Third-Party Deposits:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Exa, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges, receive salary payments, or get paid by clients.
It's Issued Solely in Virtual Form, Lacking a Physical Version
Exa Card is available solely in virtual format, unlike 30% of crypto cards offering both physical and virtual versions. This means you cannot use it for ATM withdrawals, or at places like car rental companies or hotels that require a physical card for security deposit and identity verification. The virtual card will be issued to you instantly after you complete the KYC Identity Verification.
Wondering about the pros and cons of virtual-only format? Here are some highlights:
No Physical Card | Virtual Card |
|---|---|
| No ATM Withdrawals | Instantly Available, No Waiting for Mail |
| No Card when Hotels or Car Rentals Require it | Ideal for Online Purchases |
| No Card When Phone Dies or no Internet | Environmentally Friendly |
| No Feel-Good Backup Payment Method | No Tangible Item to Misplace |
Cost to Order: 0 USD |
Useful:Since Exa Card supports Apple Pay, you can still use this card in real life, to pay for everyday purchases.
The 'back' of virtual Exa Card
| Card Issuer | Rain |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 45492406 |
| Validity Period | 5 years |
| Issuing Country | Puerto Rico |
Rain is the card issuer used by several other crypto cards, including Lava Card, Plasma One Card, Tangem Card, Tuyo Card, and Payy Card.
Crypto-to-USD Conversion Cost with Exa Card
Exa Card Converts Your Crypto on Demand
Exa Card offers instant conversion to USD at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0% |
| Sell Spread | ~0.5% |
| Load Fee | 0% |
| Transaction Fee | 1% |
| Gas Fees | You Pay 0% Gas Fees |
| Total Crypto to USD Cost | ~1.5% |
Reality Check:Compared to the average ~1.5% crypto-to-fiat cost of other cards, converting crypto with Exa Card will cost you about the same (~1.5%).
Rare Feature: Exa subsidizes your Gas Fees, so you pay effectively 0%. This is a unique rare feature. Just think about it... No gas fees for you to pay? That's amazing.
From all crypto cards we reviewed, Lava Card, Plasma One Card and OKX Card offer the cheapest crypto-to-fiat conversions (~0%, ~0% and ~0.1% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Exa Card Compare to Other Crypto Cards?
Exa Card ranks #48 out of 77 amongst all the crypto cards we have reviewed so far. This card is a solid choice among the many crypto cards available, offering competitive features and benefits.
In addition, Exa Card ranks #18 out of 25 amongst Non-Custodial Crypto Cards.
Strongest Features Against Competitors
Here are the strongest features of Exa Card against its 76 competitors:
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
- You won't be charged any monthly fee (while 15% of other crypto cards charge one, with a median of 2 USD per month).
- This crypto card is non-custodial, which means you can move your funds without relying on Exa. Your crypto stays under your control instead of being managed in a custodial account.
- Available for residents of United States.
Weakest Features Against Competitors
Compared to its 76 competitors, here are the shortcomings of Exa Card:
- Doesn't offer any cashback (while other cards give an average of 4%).
- Only available in virtual format (while 30% of competing crypto cards offer both physical and virtual cards).
- Supports only one blockchain, Optimism (while other non-custodial cards support an average of 7 blockchains).
Exa Card vs. Phantom Card vs. Ether.fi Card
Exa Card
|
Phantom Card
|
Ether.fi Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 USD | 0.00 USD | 0.00 USD |
| Crypto to Fiat Cost | ~1.5% | ~0.95% + Gas Fees | 0% + Gas Fees |
| Highest Cashback | None | None | up to 3% |
| Entry-Level Cashback | None | None | 3% |
| Daily Spending Limit | 10,000 USD | 5,000 USD | Unlimited |
| Daily ATM Limit | N/A (Virtual-Only Card) | N/A (Virtual-Only Card) | 750 USD |
| Foreign Exchange Fee | 1.5% | 0% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 5 | 1382 | 4 |
| Apple Pay | Enabled | Enabled | Enabled |
| Customer Service | Average | Average | Great |
| Brand Authority | Growing | Well-Known | Growing |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Ether.fi Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Exa Card and Phantom Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Ether.fi Card offers the best cashback rewards of up to 3%. With Exa Card and Phantom Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Are People Actually Using Exa Card?
Market Share
Based on monthly transaction volume among the 23 largest crypto cards, Exa ranks #18 out of 23, capturing a 0.2% market share.1
Exa Monthly Transaction Volume
In June 2026, Exa processed approximately $1.5M in transaction volume.1
User Base Growth
Launched in July 2024, Exa is steadily growing, with approximately ~1.4k transacting users per month - out of roughly ~27k installs and ~5.4k registrations since launch.
Estimated Signup to Transacting User Funnel
Exa may have reached around ~27k installs since launch. This estimate is based on its ~1.4k monthly transacting users and general conversion estimates.
Is Exa Card Available for Residents of United States?
Yes, Exa Card is available for residents of United States.
Exa Card supports the following countries: Afghanistan, Åland Islands, Albania, Algeria, American Samoa, Andorra, Angola, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Sint Eustatius, and Saba, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, British Virgin Islands, Brunei, Bulgaria, Burkina Faso, Burundi, Cabo Verde, Cambodia, Cameroon, Canada, Cayman Islands, Central African Republic, Chad, Chile, Christmas Island, Cocos (Keeling) Islands, Colombia, Comoros, Congo Republic, Cook Islands, Costa Rica, Croatia, Curaçao, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, DR Congo, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Federated States of Micronesia, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Haiti, Heard and McDonald Islands, Honduras, Hong Kong, Hungary, Iceland, Indonesia, Ireland, Isle of Man, Italy, Ivory Coast, Jamaica, Japan, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kosovo, Kuwait, Kyrgyzstan, Laos, Latvia, Lebanon, Lesotho, Liberia, Libya, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Morocco, Mozambique, Myanmar, Namibia, Nauru, New Caledonia, New Zealand, Nicaragua, Niger, Nigeria, Niue, Norfolk Island, North Macedonia, Northern Mariana Islands, Norway, Oman, Pakistan, Palau, Palestine, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Qatar, Réunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Saint Lucia, Saint Martin, Saint Pierre and Miquelon, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, South Korea, South Sudan, Spain, Sri Lanka, St Kitts and Nevis, St Vincent and Grenadines, Sudan, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, The Netherlands, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Tunisia, Turkmenistan, Turks and Caicos Islands, Tuvalu, U.S. Outlying Islands, U.S. Virgin Islands, Uganda, United Arab Emirates, United Kingdom, United States, Uruguay, Uzbekistan, Vanuatu, Vatican City, Wallis and Futuna, Western Sahara, Yemen, Zambia, Zimbabwe.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 20 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
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