Exa Card (Exactly): Fees, Limits and Cashback

Exa Card fees and limits

"Not disclosed" means Exa Card does not publish the figure. Fees are read from the issuer's own pages, linked under Sources.

Exa Card cashback and rewards

The Exa Card has no cashback program. Visa Signature benefits apply instead (purchase protection, car rental cover, Visa Airport Companion with pay-per-use lounges, concierge). Idle balances earn a variable yield in Exactly Protocol. Pay Later splits purchases into up to 8 fixed-rate installments paid in USDC, and the interest rate is set at purchase.

What Exa Card costs over a year

Net value per year after cashback, conversion, FX, ATM and fixed fees, with US dollars as the home currency, 20% of spending abroad and one $200 ATM withdrawal a month.

Run it with your own numbers in the card cost calculator.

Exa Card Apple Pay, Google Pay and ATM withdrawals

Exa Card works with Apple Pay and Google Pay. The virtual card is ready to use as soon as it is issued. It is a virtual card only, so it cannot be used at ATMs. It runs on Visa, so it works wherever that network is accepted, online and in shops.

Where Exa Card is available

Exa Card is offered in the 46 countries below. US residents only in 31 listed states (not, for example, Georgia, Ohio, Washington or Oregon). No EU, EEA or UK countries are eligible. Nigeria is left out because the eligibility page says it "requires conditional approval" while the prohibited-countries list (15 January 2026) bans it. Exa's own help center also claims the card is "available in 180+ countries", which the published list does not support. In the US the card is also offered through Uphold.

The crypto card finder lists every card we track by country.

Topping up Exa Card

Exa Card tops up with USDC, ETH, WBTC, wstETH and OP on ETHEREUM, BASE, ARBITRUM, POLYGON, BSC. There is no conversion fee on its main stablecoins. The card is self-custody, so funds stay in your wallet until you pay.

How to get the Exa Card

1. Check that you live in a country where Exa Card is offered (see the list above).
2. Download the Exa app and complete identity verification with a government ID and a selfie check.
3. Top up with USDC, ETH, WBTC, wstETH and OP, which converts with no conversion fee.
4. Issue the virtual card for free and add it to Apple Pay or Google Pay.

What Exa Card asks for when you sign up

• ✓ Phone number: required
• ✓ Government ID: required
• ✓ Selfie or liveness check: required
• ✓ Social Security number: required

Verification through Persona, described as a 3-minute process. Spending above the $10,000 weekly limit triggers a source-of-funds review.

Source: Exa Card verification requirements.

Exa Card sign-up and referral offers

• Referral offer: 10 USDC each for referrer and new user once the new user spends 100 USDC with the card; referrers can earn up to 100 USDC in total

Offers change often. Source: Exa Card offer terms.

Exa Card app ratings

• App Store: 5.0 out of 5 from 4 ratings
• Google Play: 2.7 out of 5 from 62 ratings

Checked September 28, 2026.

Who the Exa Card suits

• Stablecoin holders, because USDC and ETH convert with no fee.
• Wallet users who want funds to stay in their own wallet until they pay.

Exa Card overall rating

Exa Card rates 54/100 in our crypto card ranking.

Is Exa Card safe?

Exa Card scores 75/100 (Good) in our safety check. Issuer: Exa Labs S.A.S. (Exa Card program) (Uruguay (program manager); Puerto Rico, United States (issuer)). Licensing: Card issued by Nimbus LLC dba Third National, licensed as a Money Transmitter by the Commissioner of Financial Institutions of Puerto Rico (licence TM-0207, NMLS 2612780). Exa Labs S.A.S. is the program manager and says it "does not issue or manage payment instruments"; its help center gives Rain's legal address as the card's billing address.. BIN sponsor: Nimbus LLC dba Third National.

Exa Labs S.A.S. is a Uruguayan company. The card is legally a credit card with no set credit line, and the issuer's terms say it has no relationship with Exactly Protocol. Your wallet is a passkey-secured smart contract account on OP Mainnet with no seed phrase. In Pay Later mode each purchase is a loan against your deposited crypto, which can be liquidated if its value falls. The 2023 exploit hit the protocol's leverage feature, not the card, which launched later. No regulator warning or enforcement action against Exa Labs or Exactly Protocol was found.

Full Exa Card safety report