Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Coca: overall score versus use-case fit
Coca Card has the higher Overall Score by 4 points (70 vs 66). Exa Card looks stronger for Funds control, Lowest fees, and Transfers, while Coca Card comes out ahead for Cashback and Travel.
Information checked Aug 23, 202643 official sources reviewed
01 · Overall score versus use-case fit
Coca Card is the better all-round starting point
Coca Card has the higher Overall Score in this comparison. Exa Card may be the better fit for Funds control, Lowest fees, and Transfers. 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.
OverallExa66Coca70Higher score
CashbackExa19Coca43Higher score
TravelExa61Coca82Higher score
Funds controlExa88Coca85Higher score
Lowest feesExa67Coca63Higher score
TransfersExa97Coca87Higher score
Choose Exa Card if funds control and lowest fees matter most
Exa Card comes out ahead for 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
Choose Coca Card if cashback and travel matter most
Coca Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Stablecoin funding, IBAN receive and card spend
- Physical, virtual and phone-wallet access
- Six tiers combine cashback and rebates
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
- Exa66Coca70
Coca Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXCoca$0 plan · 0% on direct pairs FX
Coca Card has the lower published FX fee (0% on direct pairs vs 1.5%).
- Purchase rewards
- Exa0% cashbackCoca1% base · up to 8%
Coca Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- ExaSelf-controlled walletCocaSelf-controlled wallet
Exa Card and Coca Card use the same self-controlled wallet setup.
- Everyday access
- ExaVirtual · Apple Pay, Google PayCocaVirtual + Physical · Apple Pay, Google Pay
Coca Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutCoca3 stablecoins · Stablecoin transfers; IBAN / bank transfers
Both cards list the same number of stablecoins and ways to send money out.
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.
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
- Cashback
- 1%-8%
- Plan cost
- $0
- FX fee
- 0% on direct pairs
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 1 fiat
- Payout methods
- 7 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
CardsExa CardOverall66Coca CardOverall70
Exa CardOverall66Coca CardOverall70Scores
6 fields- Overall Score
- Exa Card66Coca Card70
- Cashback score
- Exa Card19Coca Card43
- Travel score
- Exa Card61Coca Card82
- Funds control score
- Exa Card88Coca Card85
- Lowest fees score
- Exa Card67Coca Card63
- Transfers score
- Exa Card97Coca Card87
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCCoca CardStablecoin funding, IBAN receive and card spend, Physical, virtual and phone-wallet access
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyCoca CardBest cashback needs COCA tier rules, ATM is free only up to allowance
Costs
7 fields- Plan cost
- Exa Card$0Coca Card$0
- FX fee
- Exa Card1.5%Coca Card0% on direct pairs
- Top-up fee
- Exa Card1%Coca CardNot disclosed
- Card spending fee
- Exa CardNot disclosedCoca CardNot disclosed
- ATM fee
- Exa Card$1 + 0.65%Coca Card0–2%
- Virtual card
- Exa CardFree with Exa WalletCoca CardVirtual card free for all tiers
- Physical card
- Exa CardNot availableCoca CardPlastic card $5 for Starter/Standard/Standard+; free for Premium/Premium+/Elite
Plans
2 fields- Available plans
- Exa CardNot disclosedCoca Card6 plans: Starter, Standard, Standard+, Premium +2
- Top cashback plan
- Exa CardNot disclosedCoca CardElite: 8%
Everyday use
8 fields- Network
- Exa CardVisaCoca CardVisa
- Card formats
- Exa CardVirtualCoca CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableCoca CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google PayCoca CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebCoca CardiOS, Android
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appCoca Card30,000 EUR/day; 30,000 EUR/transaction
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appCoca Card30,000 EUR/month
- ATM limit
- Exa Card$250/withdrawal; $1000/dayCoca Card850 EUR/day; 5,000 EUR/month
Funding & transfers
5 fields- Networks
- Exa CardOptimismCoca CardEthereum, BNB Smart Chain, Avalanche C-Chain, Polygon, Arbitrum, Near +5
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHCoca CardStablecoins: USDT, USDC, EURC, EURS
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositCoca CardEUR IBAN receive
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutCoca CardStablecoin transfers; IBAN / bank transfers
- Payout currencies
- Exa CardUSD, EURCoca CardEUR, USD where available
Rewards
3 fields- Base cashback
- Exa Card0%Coca Card1%
- Max cashback
- Exa Card0%Coca Card8%
- Reward currency
- Exa CardNo cashbackCoca CardStablecoins such as USDC or EURC cashback
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYCoca CardUp to 5% APY
- How it works
- Exa CardEarn on spending balance, Borrow against collateralCoca CardEarn on spending balance
- Separate deposit
- Exa CardNoCoca CardNo
- Use balance for spending
- Exa CardYesCoca CardYes
- Lock-up
- Exa CardNoCoca CardNo
Trust & availability
6 fields- Custody
- Exa CardSelf-custodyCoca CardSelf-custody
- Control until payment
- Exa CardYou keep controlCoca CardYou keep control
- Card issuer
- Exa CardThird National Bank, Third NationalCoca CardNot disclosed
- Card processing
- Exa CardExa Labs SASCoca CardNot disclosed
- Deposits & withdrawals
- Exa CardBridge, MantecaCoca CardNot disclosed
- Programme operator
- Exa CardExa Labs SASCoca CardCOCA / CCA LABS
Sources
2 fields- Official sources
- Exa Card31Coca Card12
- Last reviewed
- Exa CardAug 23, 2026Coca CardAug 5, 2026
04 · The trade-off
Coca Card is the stronger all-round choice
Coca Card finishes ahead with an Overall Score of 70 versus 66 for Exa Card. Coca Card has the lower published FX fee (0% on direct pairs vs 1.5%). Coca Card has the higher published base cashback rate (1% vs 0%).
Exa Card still comes out ahead for Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Exa Card and Coca Card use the same self-controlled wallet setup.
Both cards list the same number of stablecoins and ways to send money out. 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 Exa Card and Coca Card reviews first.
Continue with
Exa Card
Continue with
Coca Card
05 · Common questions
Exa vs Coca FAQ
Is Exa or Coca better overall?
Coca Card has the higher Overall Score (70 vs 66). 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, Exa or Coca?
Coca Card has the lower published FX fee (0% on direct pairs vs 1.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Exa or Coca?
Coca Card has the higher published base cashback rate (1% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Exa and Coca differ on custody?
Exa Card and Coca Card use the same self-controlled wallet setup.
How current is this Exa vs Coca comparison?
The latest information check for these two cards was August 23, 2026, using 43 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.