Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Coinbase: overall score versus use-case fit
Exa Card has the higher Overall Score by 1 point (66 vs 65). Exa Card looks stronger for Funds control, Lowest fees, and Transfers, while Coinbase Card comes out ahead for Cashback and Travel.
Information checked Aug 30, 202653 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. Coinbase Card may be the better fit for Cashback and Travel. 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.
OverallExa66Coinbase65Higher score
CashbackExa19Coinbase37Higher score
TravelExa61Coinbase62Higher score
Funds controlExa88Coinbase48Higher score
Lowest feesExa67Coinbase55Higher score
TransfersExa97Coinbase84Higher 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 Coinbase Card if cashback and travel matter most
Coinbase 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.
- Virtual and physical Visa cards cover online, store and ATM use
- The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Cash, USDC and supported crypto can fund the same card flow
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
- Exa66Coinbase65
Exa Card has the higher Overall Score by 1 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXCoinbase$0 plan · U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Exa0% cashbackCoinbaseNot disclosed
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
- Funds control
- ExaSelf-controlled walletCoinbaseCustodial balance
Exa Card uses a self-controlled wallet setup, while Coinbase Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ExaVirtual · Apple Pay, Google PayCoinbaseVirtual + Physical · Unknown
Exa Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutCoinbase1 stablecoin · Stablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
Exa Card lists more stablecoins and ways to send money out (5 vs 4).
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
- Not disclosed
- Plan cost
- $0
- FX fee
- U.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- ATM fee
- U.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 2 fiat
- Payout methods
- 1 crypto · 3 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 CardOverall66Coinbase CardOverall65
Exa CardOverall66Coinbase CardOverall65Scores
6 fields- Overall Score
- Exa Card66Coinbase Card65
- Cashback score
- Exa Card19Coinbase Card37
- Travel score
- Exa Card61Coinbase Card62
- Funds control score
- Exa Card88Coinbase Card48
- Lowest fees score
- Exa Card67Coinbase Card55
- Transfers score
- Exa Card97Coinbase Card84
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCCoinbase CardVirtual and physical Visa cards cover online, store and ATM use, The U.S. schedule lists $0 card, monthly and Coinbase ATM fees
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyCoinbase CardCrypto conversion includes a spread with no stable public rate, Rewards are U.S.-only and the current rate changes in the app
Costs
7 fields- Plan cost
- Exa Card$0Coinbase Card$0
- FX fee
- Exa Card1.5%Coinbase CardU.S. international transaction fee: $0. Visa conversion, U.K./EEA pricing and crypto spread remain separate
- Top-up fee
- Exa Card1%Coinbase CardLinked-bank and payroll funding are marketed at $0; other Coinbase account funding routes were not reviewed for this card profile
- Card spending fee
- Exa CardNot disclosedCoinbase Card0%
- ATM fee
- Exa Card$1 + 0.65%Coinbase CardU.S. Coinbase ATM fee: $0. ATM operators may charge; U.K./EEA provider pricing is not published here
- Virtual card
- Exa CardFree with Exa WalletCoinbase CardNot disclosed
- Physical card
- Exa CardNot availableCoinbase CardNot disclosed
Plans
2 fields- Available plans
- Exa CardNot disclosedCoinbase CardNot disclosed
- Top cashback plan
- Exa CardNot disclosedCoinbase CardNot disclosed
Everyday use
8 fields- Network
- Exa CardVisaCoinbase CardVisa
- Card formats
- Exa CardVirtualCoinbase CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableCoinbase CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google PayCoinbase CardNot disclosed
- Apps
- Exa CardiOS, Android, WebCoinbase CardiOS, Android
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appCoinbase Card$2,500 per 24 hours in the U.S. programme
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appCoinbase CardU.S. monthly spend limit not published; U.K./EEA limits are customer-specific
- ATM limit
- Exa Card$250/withdrawal; $1000/dayCoinbase Card$1,000 per 24 hours in the U.S.; U.K./EEA values are shown in app
Funding & transfers
5 fields- Networks
- Exa CardOptimismCoinbase CardCoinbase-supported networks
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHCoinbase CardOther crypto: Supported crypto
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositCoinbase CardLinked bank account, Payroll deposit
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutCoinbase CardStablecoin transfers; Coinbase U.S. account cash-out, Coinbase U.K. and EEA account cash-out
- Payout currencies
- Exa CardUSD, EURCoinbase CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Exa Card0%Coinbase CardNot disclosed
- Max cashback
- Exa Card0%Coinbase CardNot disclosed
- Reward currency
- Exa CardNo cashbackCoinbase CardSelected crypto offer
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYCoinbase CardNot offered
- How it works
- Exa CardEarn on spending balance, Borrow against collateralCoinbase CardNot offered
- Separate deposit
- Exa CardNoCoinbase CardNot offered
- Use balance for spending
- Exa CardYesCoinbase CardNot offered
- Lock-up
- Exa CardNoCoinbase CardNot offered
Trust & availability
6 fields- Custody
- Exa CardSelf-custodyCoinbase CardCustodial
- Control until payment
- Exa CardYou keep controlCoinbase CardProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalCoinbase CardPathward, N.A., Paysafe Financial Services Limited, Paysafe Payment Solutions Limited
- Card processing
- Exa CardExa Labs SASCoinbase CardMarqeta, Inc.
- Deposits & withdrawals
- Exa CardBridge, MantecaCoinbase CardNot disclosed
- Programme operator
- Exa CardExa Labs SASCoinbase CardNot disclosed
Sources
2 fields- Official sources
- Exa Card31Coinbase Card22
- Last reviewed
- Exa CardAug 23, 2026Coinbase CardAug 30, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 versus 65 for Coinbase Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below.
Coinbase Card still comes out ahead for Cashback and Travel, which may matter more than the overall result if that is how you plan to use the card. Exa Card uses a self-controlled wallet setup, while Coinbase Card uses a custodial balance 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 4). 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 Coinbase Card reviews first.
Continue with
Exa Card
Continue with
Coinbase Card
05 · Common questions
Exa vs Coinbase FAQ
Is Exa or Coinbase better overall?
Exa Card has the higher Overall Score (66 vs 65). 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 Coinbase?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 Coinbase?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Exa and Coinbase differ on custody?
Exa Card uses a self-controlled wallet setup, while Coinbase Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Exa vs Coinbase comparison?
The latest information check for these two cards was August 30, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.