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SECURED CREDIT · VISANo annual fee

Exa Card

by Exa Labs SAS · United States (31 states: Alabama, Alaska…

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).

By the cryptocards.one team·Terms checked September 16, 2026·Referral link, see our affiliate disclosure
Exa Labs SAS logo
Exa Card
SECURED CREDIT
VISA
MAX REWARD
0%
ANNUAL FEE
Free
FX FEE
1.5% on non-USD purcha…
VERDICT

Is the Exa Card worth it?

The Exa Card is a secured credit card on Visa, with no annual fee. Whether it suits you comes down to the trade-offs below.

GOOD FIT IF

  • you want a card with no annual fee
  • you want your crypto to stay in your own wallet until you spend it

THINK TWICE IF

  • you want cashback on your spending — this card has no published cashback rate
OUR SCORE

How we rate the Exa Card

3.4out of 5Our assessment, not a user rating
  • Cost25%4.0 / 5

    No annual or issuance fee and no ATM access to charge for; the cost is 1.5% on anything not priced in USD, plus an origination fee inside installment interest.

  • Conditions25%5.0 / 5

    No stake, plan or balance beyond the collateral you are spending against, and the card is available from the first day.

  • Rewards25%1.0 / 5

    There is no cashback. The return is the yield your collateral keeps earning while you spend, which is not a card reward and moves with the market.

  • Reliability25%3.5 / 5

    A documented help centre with dated articles and a clear eligibility list, but a young product and some fee articles have not been updated since 2024.

Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.

KEY FACTS

The card at a glance

CARD TYPE
Secured Credit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
MAX REWARD
0%
Top published rate
See reward details ↓
REWARDS IN
Variable yield on deposits
How rewards are paid
FX FEE
1.5% on non-USD purchases
On foreign-currency spend
REGION
United States (31 states: Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming), Antigua & Barbuda, Argentina, Australia, Bahamas, Barbados, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa Rica, Côte d'Ivoire, Dominican Republic, Ecuador, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Hong Kong, Japan, Kenya, Malaysia, Mexico, Morocco, New Zealand, Nigeria, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, South Africa, Suriname, Trinidad and Tobago, Turks & Caicos Islands, UAE, Uganda, Uruguay, Zambia (NOT available in: UK, Europe, Bangladesh, Belarus, Cuba, India, Iran, Iraq, Israel, Mainland China, Myanmar, Nepal, Nicaragua, North Korea, Russia, Syria, Turkey, Ukraine, Venezuela, Vietnam)
Where it's available
STAKING
Not required
Lock-up to earn rewards
CUSTODY
Self-custody
You hold the keys
Compare Exa Card against other cards in:
REWARDS

No cashback rate

Reward summary

No cashback rate is published for this card. Yield on collateral (ETH, OP, USDC); fixed-rate installments; Pay Now or Installments mode; 160+ countries (NOT UK/Europe)

COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
1.5% on non-USD purchases
ATM withdrawal
Cash withdrawal cost
N/A
(virtual only)
Crypto conversion
When spending crypto directly
Free
Issuance fee
One-off cost to get the card
Free

ℹ️ Yield on collateral (ETH, OP, USDC); fixed-rate installments; Pay Now or Installments mode; 160+ countries (NOT UK/Europe)

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF

  • Non-custodial
  • Yield while spending
  • Fixed borrowing rates
  • 0% FX fees
  • Global availability

LOOK ELSEWHERE IF

  • No Apple Pay or Google Pay
  • Virtual only
  • DeFi complexity
  • No cashback
STANDOUT FEATURES

What sets it apart

  • Built on Exactly Protocol
  • Fixed-rate installment borrowing
  • Yield on collateral while spending
  • Pay Now or Installments mode
✓ Apple Pay✓ Google Pay✓ iOS app✓ Android app✓ Self-custody✓ No staking
IN THE NEWS

Latest news & analysis

ABOUT THIS CARD

Common questions

Where can I use the Exa Card?

Does the Exa Card have an annual fee?

Does the Exa Card pay cashback?

Does it work with Apple Pay and Google Pay?

Is this a self-custody card?

Figures on this page come from Exa Labs SAS's published card terms and were verified on September 16, 2026. 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.

EXA LABS SAS
Exa Card
No annual fee · 1.5% on non-USD purchases FX
Apply now →
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