Crypto.comCrypto.com Prepaid
57
Side-by-side card comparison
Crypto.com Prepaid vs Exa: overall score versus use-case fit
Exa Card has the higher Overall Score by 9 points (66 vs 57). Crypto.com Prepaid Card looks stronger for Cashback, while Exa Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 23, 202645 official sources reviewed
01 · Overall score versus use-case fit
Exa Card is the better all-round starting point
Exa Card has the higher Overall Score in this comparison. Crypto.com Prepaid Card may be the better fit for Cashback. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallCrypto.com Prepaid57Exa66Higher score
CashbackCrypto.com Prepaid31Exa19Higher score
TravelCrypto.com Prepaid57Exa61Higher score
Funds controlCrypto.com Prepaid40Exa88Higher score
Lowest feesCrypto.com Prepaid48Exa67Higher score
TransfersCrypto.com Prepaid47Exa97Higher score
Choose Crypto.com Prepaid Card if cashback matters most
Crypto.com Prepaid Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Prepaid spend from a loaded balance
- Level Up tiers can raise CRO rewards
- Several card top-up paths
Choose Exa Card if travel and funds control matter most
Exa Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Crypto.com Prepaid57Exa66
Exa Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Crypto.com Prepaid$0 plan · 0–3% FXExa$0 plan · 1.5% FX
Exa Card has the lower published FX fee (1.5% vs 0–3%).
- Purchase rewards
- Crypto.com Prepaid0% base · up to 5%Exa0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Crypto.com PrepaidCustodial balanceExaSelf-controlled wallet
Crypto.com Prepaid Card uses a custodial balance setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Crypto.com PrepaidVirtual + Physical · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Crypto.com Prepaid Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Crypto.com Prepaid0 stablecoins · US card-to-card sendExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Exa Card lists more stablecoins and ways to send money out (5 vs 1).
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0–3%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 0 fiat
66
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 1.5%
- ATM fee
- $1 + 0.65%
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 5 crypto · 4 fiat
- Payout methods
- 1 crypto · 2 fiat
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsCrypto.com Prepaid CardOverall57Exa CardOverall66
Crypto.com Prepaid CardOverall57Exa CardOverall66Scores
6 fields- Overall Score
- Crypto.com Prepaid Card57Exa Card66
- Cashback score
- Crypto.com Prepaid Card31Exa Card19
- Travel score
- Crypto.com Prepaid Card57Exa Card61
- Funds control score
- Crypto.com Prepaid Card40Exa Card88
- Lowest fees score
- Crypto.com Prepaid Card48Exa Card67
- Transfers score
- Crypto.com Prepaid Card47Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Crypto.com Prepaid CardPrepaid spend from a loaded balance, Level Up tiers can raise CRO rewardsExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Crypto.com Prepaid CardFees vary by method, tier and region, Spending uses a Crypto.com prepaid balanceExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Crypto.com Prepaid Card$0Exa Card$0
- FX fee
- Crypto.com Prepaid Card0–3%Exa Card1.5%
- Top-up fee
- Crypto.com Prepaid Card2.99%Exa Card1%
- Card spending fee
- Crypto.com Prepaid CardNot disclosedExa CardNot disclosed
- ATM fee
- Crypto.com Prepaid Card0–2%Exa Card$1 + 0.65%
- Virtual card
- Crypto.com Prepaid CardAvailable for online use; separate virtual-card fee not listedExa CardFree with Exa Wallet
- Physical card
- Crypto.com Prepaid CardUS first physical card: Midnight $4.99; Ruby $29.99; other listed US Visa cards $0Exa CardNot available
Plans
2 fields- Available plans
- Crypto.com Prepaid Card5 plans: Basic, Plus, Pro, Private Icy/Rose +1Exa CardNot disclosed
- Top cashback plan
- Crypto.com Prepaid CardPrivate Obsidian: 5%Exa CardNot disclosed
Everyday use
8 fields- Network
- Crypto.com Prepaid CardVisa/MastercardExa CardVisa
- Card formats
- Crypto.com Prepaid CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- Crypto.com Prepaid CardAvailableExa CardAvailable
- Mobile wallets
- Crypto.com Prepaid CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Crypto.com Prepaid CardiOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- Crypto.com Prepaid CardUS Midnight $10,000/day; US Ruby and higher $25,000/day; Europe EUR 25,000/dayExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Crypto.com Prepaid CardUS Midnight $15,000/month; US Ruby and higher $25,000/month; Europe EUR 25,000/month; Europe EUR 250,000/yearExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Crypto.com Prepaid CardMonthly free ATM allowance by tier: midnight $200; ruby $400; jade Royal $800; icy Rose Obsidian $1,000; then 2%Exa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Crypto.com Prepaid CardNot disclosedExa CardOptimism
- Crypto deposits
- Crypto.com Prepaid CardOther crypto: BTC, ETHExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Crypto.com Prepaid CardUS prepaid card top-up, EU / UK prepaid card top-upExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Crypto.com Prepaid CardUS card-to-card sendExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Crypto.com Prepaid CardNot disclosedExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Crypto.com Prepaid Card0%Exa Card0%
- Max cashback
- Crypto.com Prepaid Card5%Exa Card0%
- Reward currency
- Crypto.com Prepaid CardCRO rewardsExa CardNo cashback
Earn
5 fields- Advertised APY
- Crypto.com Prepaid CardNot offeredExa CardUp to 0.99776% APY
- How it works
- Crypto.com Prepaid CardNot offeredExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Crypto.com Prepaid CardNot offeredExa CardNo
- Use balance for spending
- Crypto.com Prepaid CardNot offeredExa CardYes
- Lock-up
- Crypto.com Prepaid CardNot offeredExa CardNo
Trust & availability
6 fields- Custody
- Crypto.com Prepaid CardCustodialExa CardSelf-custody
- Control until payment
- Crypto.com Prepaid CardProvider controls fundsExa CardYou keep control
- Card issuer
- Crypto.com Prepaid CardCommunity Federal Savings Bank, Foris MT Limited, ForisGFS UK Limited +2Exa CardThird National Bank, Third National
- Card processing
- Crypto.com Prepaid CardNot disclosedExa CardExa Labs SAS
- Deposits & withdrawals
- Crypto.com Prepaid CardNot disclosedExa CardBridge, Manteca
- Programme operator
- Crypto.com Prepaid CardCrypto.com, Foris, Inc.Exa CardExa Labs SAS
Sources
2 fields- Official sources
- Crypto.com Prepaid Card14Exa Card31
- Last reviewed
- Crypto.com Prepaid CardAug 14, 2026Exa CardAug 23, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 versus 57 for Crypto.com Prepaid Card. Exa Card has the lower published FX fee (1.5% vs 0–3%). Both cards show the same base cashback rate of 0%.
Crypto.com Prepaid Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Crypto.com Prepaid Card uses a custodial balance setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Exa Card lists more stablecoins and ways to send money out (5 vs 1). Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Crypto.com Prepaid Card and Exa Card reviews first.
Continue with
Crypto.com Prepaid Card
Continue with
Exa Card
05 · Common questions
Crypto.com Prepaid vs Exa FAQ
Is Crypto.com Prepaid or Exa better overall?
Exa Card has the higher Overall Score (66 vs 57). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Crypto.com Prepaid or Exa?
Exa Card has the lower published FX fee (1.5% vs 0–3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Crypto.com Prepaid or Exa?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Crypto.com Prepaid and Exa differ on custody?
Crypto.com Prepaid Card uses a custodial balance setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Crypto.com Prepaid vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 45 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.