Yearly cost at three spending levels
| Monthly spend | Coinbase Card | Exa Card |
|---|---|---|
| $500 | ≤ $0 Crypto rewards | -$45.60 Standard |
| $2,000 | ≤ $0 Crypto rewards | -$99.60 Standard |
| $5,000 | ≤ $0 Crypto rewards | -$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 | Coinbase Card Crypto rewards | Exa Card Standard |
|---|---|---|
| Top-up and conversion fees | $0 | $0 |
| Spending fees | $0 | $0 |
| Foreign exchange markup | Not disclosed | -$72 |
| ATM fees | $0 | -$27.60 |
| Annual, monthly and subscription fees | $0 | $0 |
| Cashback | Not disclosed | $0 |
| Net per year | $0 | -$99.60 |
Fees
Coinbase Card charges 0% to convert or top up and Not disclosed on spending in a foreign currency. Exa Card charges 0% and 1.5%.
ATM withdrawals: Coinbase Card no card fee; Exa Card no atm access (virtual card only).
A virtual card costs an undisclosed fee with Coinbase Card and nothing with Exa Card. A physical card costs an undisclosed fee and an undisclosed fee. Neither card has an annual fee on its base tier.
Cashback and rewards
Coinbase Card cashback: Variable, not published. Exa Card cashback: None.
Coinbase Card tiers: Crypto rewards: rate not published.
Exa Card tiers: Standard: 0%.
Coinbase Card: Rewards are paid in a crypto you choose from a rotating list. Coinbase describes the rate as variable and shows it only in the app.
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
Coinbase Card is offered in one country, including United States. Available in every US state except Hawaii.
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.
Coinbase 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
Coinbase Card does not publish fixed spending or ATM limits.
Exa Card publishes ATM withdrawals of up to $1,000 a day.
Coinbase Card does not list Apple Pay or Google Pay support, and Exa Card works with Apple Pay and Google Pay. Exa Card issues a virtual card you can use straight away.
Custody and safety
Coinbase Card scores 75/100. Licensing: issued by a bank or e-money institution regulated in a tier-one jurisdiction. The card is issued through Pathward, N.A.. 2025-05-15: Overseas support staff bribed by criminals copied customer data for under 1% of monthly transacting users. Coinbase said no passwords, private keys or funds were exposed. The user agreement says customer digital assets are held for customers, are not property of Coinbase and are not subject to claims of Coinbase's creditors.
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: Coinbase Card safety check and Exa Card safety check.
About each card
Coinbase Card is a custodial Visa card from Coinbase. It tops up with USDC.
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
Coinbase Card fits if
- You live in United States, the only market it serves.
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.
Read more: Coinbase Card fees and details · Exa Card fees and details