Exa Card
Global non-custodial virtual Visa. Deposit ETH, OP, USDC as collateral on Exactly Protocol to earn yield while borrowing USDC at fixed rates for spending. Two modes: Pay Now (debit-like) and Installments (credit borrowing).
The card at a glance
Earning 0%
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Up to 0%, yield on collateral (eth, op, usdc); fixed-rate installments; pay now or installments mode; 160+ countries (not uk/europe), paid in Variable yield on deposits. No staking required for the base rate.
Fees you'll actually meet
ℹ️ Yield on collateral (ETH, OP, USDC); fixed-rate installments; Pay Now or Installments mode; 160+ countries (NOT UK/Europe)
Strengths and trade-offs
What sets it apart
Common questions
Figures on this page come from Exa Labs SAS's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
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