Exodus Card
Self-custodial virtual card from Exodus, part of Exodus Pay and now offered in 42 countries. It spends from your Exodus Pay balance of USD-backed stablecoins (XO Cash, USDC and USDT), which stays in your own wallet until you pay, and works with Apple Wallet and Google Wallet. Former Spend Card users migrate to Exodus Pay to keep using their card.
Is the Exodus Card worth it?
The Exodus Card is a debit 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
How we rate the Exodus Card
- Cost25%4.5 / 5
No card, annual or FX fee — you pay only the Solana network fee when linking or unlinking assets. There is no ATM access to charge for.
- Conditions25%5.0 / 5
No stake, balance or plan. Funds stay in your own wallet until the moment you spend.
- Rewards25%2.0 / 5
Exodus Rewards pays 1 point per $1 spent, but Exodus publishes no cash value for a point, so a cardholder cannot work out a rate.
- Reliability25%3.5 / 5
A publicly listed company with a detailed, dated help centre. The card moved into Exodus Pay in 2026 and its rewards programme is still rolling out to select users.
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.
The card at a glance
No cashback rate
No cashback rate is published for this card.
- Exodus Rewards pays 1 point for every $1 spent on the card (points are also earned on swaps and on held balance), redeemable for Cash from 10,000 points.
- Exodus does not publish what a point is worth, and the programme is open to select users for now.
Fees you'll actually meet
How much you can spend
Published by the issuer and set per country. Figures are in each market's own currency. Verify with the issuer before relying on a limit.
Strengths and trade-offs
WORKS FOR YOU IF
- Non-custodial delegation model
- 0% FX fees
- No annual fee
- Apple Wallet and Google Wallet
- Exodus wallet integration
LOOK ELSEWHERE IF
- Rewards are points with no published cash value
- Virtual only
What sets it apart
- Delegation model — your stablecoins stay in your wallet until spent
- Solana network spending
- Exodus wallet integration
Latest news & analysis
Common questions
Where can I use the Exodus Card?
Does the Exodus Card have an annual fee?
Does the Exodus Card pay cashback?
Does it work with Apple Pay and Google Pay?
Is this a self-custody card?
Figures on this page come from Exodus Movement's published card terms and were verified on October 3, 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.
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