Yearly cost at three spending levels
| Monthly spend | Binance Card | Exa Card |
|---|---|---|
| $500 | +$20.40 Tier 2 | -$45.60 Standard |
| $2,000 | +$386.40 Tier 3 | -$99.60 Standard |
| $5,000 | +$398.40 Tier 3 | -$207.60 Standard |
Net value per year: cashback minus conversion, FX, ATM and fixed fees. US dollars, 20% foreign spending, one $200 ATM withdrawal a month. The card cost calculator runs the same comparison with your own habits.
Where the money goes at $2,000 a month
| Line | Binance Card Tier 3 | Exa Card Standard |
|---|---|---|
| Top-up and conversion fees | -$237.60 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | -$96 | -$72 |
| ATM fees | $0 | -$27.60 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | +$720 | $0 |
| Net per year | +$386.40 | -$99.60 |
Fees
Binance Card charges 0.9% to convert or top up and 2% on spending in a foreign currency. Exa Card charges 0% and 1.5%.
The conversion fee applies to every dollar you load, so Exa Card's lower rate matters most for everyday spending in your home currency. On $1,000 of spending, the gap is $9.
ATM withdrawals: Binance Card $1.50 after 2 free a month; Exa Card no atm access (virtual card only).
A virtual card costs nothing with Binance Card and nothing with Exa Card. A physical card costs $10 and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Binance Card cashback: 1.5% to 3%. Exa Card cashback: None.
Binance Card tiers: Tier 1: 1.5%; Tier 2: 2% from $100 of monthly spend; Tier 3: 3%, capped at $100 a month from $1,000 of monthly spend.
Exa Card tiers: Standard: 0%.
Binance Card: Tiers updated on 1 June 2026. The tier you reach in a calendar month applies to all of that month's eligible spending, and cashback is paid by the 10th of the next month in USDC or BTC depending on your country. Brazil uses the same rates in BRL with a R$500 cap.
Exa Card: 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.
Availability and KYC
Binance Card is offered in 8 countries, including Australia, Mexico, Argentina and Brazil. Binance runs the card through its Global Program in "selected countries" and confirms eligibility at application. Its support pages name Australia, New Zealand, Mexico, Colombia, Peru and Armenia, plus some CIS countries it doesn't list, and separate programs in Argentina and Brazil. It isn't offered in the US, the UK or the EU.
Exa Card is offered in 46 countries, including Argentina, Australia, Brazil, Malaysia, Mexico, Philippines, Singapore, South Africa, United Arab Emirates and United States. 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.
Binance Card needs full KYC and Exa Card needs full KYC.
The card finder checks both cards against your country, KYC level and must-have features.
Limits, wallets and card types
Binance Card publishes a daily spending limit of $5,000 and a monthly limit of $15,000.
Exa Card publishes ATM withdrawals of up to $1,000 a day.
Binance Card works with Apple Pay, and Exa Card works with Apple Pay and Google Pay. Binance Card and Exa Card issue a virtual card you can use straight away.
Custody and safety
Binance Card scores 61/100. Licensing: holds a licence or registration outside the tier-one list (Outside Brazil and Argentina, the card is issued by Immersve Limited, a New Zealand company (FSP1003031) and Mastercard Global Reach partner. In Brazil it is issued by Dock, a payment institution regulated by the Central Bank of Brazil). The card is issued through Immersve Limited. 2023-11-21: Binance pleaded guilty in the US to anti-money laundering and sanctions violations and agreed to pay more than $4 billion. Binance stopped offering new crypto-asset services in the EU from 1 July 2026 after withdrawing its MiCA application.
Exa Card scores 75/100. Licensing: holds a licence or registration outside the tier-one list (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.). The card is issued through Nimbus LLC dba Third National. 2023-08-18: Exactly Protocol, which runs the card's credit and yield, was exploited through its DebtManager contract on Optimism. 117 accounts lost a combined $7,612,038 and the protocol was paused. 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 reports: Binance Card safety check and Exa Card safety check.
About each card
Binance Card is a custodial Mastercard from Binance. It tops up with USDT, USDC, FDUSD, BNB, BTC, ETH, SOL, ADA, LINK and XRP.
Exa Card (Exactly) is a self-custody Visa card from Exa Labs S.A.S. (Exa Card program). It tops up with USDC, ETH, WBTC, wstETH and OP.
Which card fits you
Binance Card fits if
- You want a higher cashback ceiling (up to 3%).
Exa Card fits if
- You want to keep crypto in your own wallet until each payment.
- You spend in foreign currencies often, since its FX markup is lower.
- Most of your spending is in your home currency, where its lower conversion fee counts most.
- You weigh licensing and fund segregation heavily, since it scores higher on our safety check.
Read more: Binance Card fees and details · Exa Card fees and details · Binance Card review