Exactly Protocol / ExaExa
67
Side-by-side card comparison
Exa vs Coinbase One: where the score gap comes from
Exa Card has the higher Overall Score by 11 points (67 vs 56). The available use-case scores do not point to a clear winner, so compare the fees, control of funds, card access and availability that matter to you.
Information checked Sep 5, 202654 official sources reviewed
01 · Where the gap opens
Exa Card is the better all-round starting point
Exa Card has the higher Overall Score in this comparison. Coinbase One Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallExa67Coinbase One56Higher score
CashbackExa19Coinbase One40Compare the details below
TravelExa62Coinbase One60Compare the details below
Funds controlExa88Coinbase One36Compare the details below
Lowest feesExa68Coinbase One58Compare the details below
TransfersExa97Coinbase One24Compare the details below
Choose Exa Card if its day-to-day setup suits you
Exa Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Choose Coinbase One Card if its day-to-day setup suits you
Coinbase One Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- 2% BTC on eligible purchases
- No foreign transaction fee
- Metal card and both phone wallets
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Exa67Coinbase One56
Exa Card has the higher Overall Score by 11 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXCoinbase One$49.99/year plan · 0% foreign transaction fee; Amex conversion rates remain separate FX
Exa Card has the lower starting plan cost ($0 vs $49.99/year).
- Purchase rewards
- Exa0% cashbackCoinbase One2% base · up to 4%
Coinbase One Card has the higher published base cashback rate (2% vs 0%).
- Funds control
- ExaSelf-controlled walletCoinbase OneCustodial balance
Exa Card uses a self-controlled wallet setup, while Coinbase One 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 PayCoinbase OneVirtual + Physical · Apple Pay, Google Pay
Coinbase One 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 payoutCoinbase One0 stablecoins · Not modeled
Exa Card lists more stablecoins and ways to send money out (5 vs 0).
02 · Read the shortlist
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
67
- 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
- 2%-4%
- Plan cost
- $49.99/year
- FX fee
- 0% foreign transaction fee; Amex conversion rates remain separate
- ATM fee
- Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 0 fiat
03 · Compare the details
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsExa CardOverall67Coinbase One CardOverall56
Exa CardOverall67Coinbase One CardOverall56Scores
6 fields- Overall Score
- Exa Card67Coinbase One Card56
- Cashback score
- Exa Card19Coinbase One Card40
- Travel score
- Exa Card62Coinbase One Card60
- Funds control score
- Exa Card88Coinbase One Card36
- Lowest fees score
- Exa Card68Coinbase One Card58
- Transfers score
- Exa Card97Coinbase One Card24
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCCoinbase One Card2% BTC on eligible purchases, No foreign transaction fee
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyCoinbase One CardPaid membership is required, Debt and cash advances carry costs
Costs
7 fields- Plan cost
- Exa Card$0Coinbase One Card$49.99/year
- FX fee
- Exa Card1.5%Coinbase One Card0% foreign transaction fee; Amex conversion rates remain separate
- Top-up fee
- Exa Card1%Coinbase One CardLinked U.S. bank or accepted Coinbase wallet repayment; crypto spread varies
- Card spending fee
- Exa CardNot disclosedCoinbase One CardNot disclosed
- ATM fee
- Exa Card$1 + 0.65%Coinbase One CardCash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees
- Virtual card
- Exa CardFree with Exa WalletCoinbase One CardNot disclosed
- Physical card
- Exa CardNot availableCoinbase One CardNot disclosed
Plans
2 fields- Available plans
- Exa CardNot disclosedCoinbase One Card4 plans: AOC tier 1: 2%, AOC tier 2: 2.5%, AOC tier 3: 3%, AOC tier 4: 4%
- Top cashback plan
- Exa CardNot disclosedCoinbase One CardAOC tier 4: 4%: 4%
Everyday use
8 fields- Network
- Exa CardVisaCoinbase One CardAmerican Express
- Card formats
- Exa CardVirtualCoinbase One CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableCoinbase One CardNot disclosed
- Mobile wallets
- Exa CardApple Pay, Google PayCoinbase One CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebCoinbase One CardiOS, Android, Web
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appCoinbase One CardPersonalized credit limit; no reusable daily spend ceiling
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appCoinbase One CardPersonalized credit limit; no reusable monthly spend ceiling
- ATM limit
- Exa Card$250/withdrawal; $1000/dayCoinbase One CardCash access and its sublimit are determined by the issuer
Funding & transfers
5 fields- Networks
- Exa CardOptimismCoinbase One CardNot disclosed
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHCoinbase One CardNot disclosed
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositCoinbase One CardNot disclosed
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutCoinbase One CardNot disclosed
- Payout currencies
- Exa CardUSD, EURCoinbase One CardNot disclosed
Rewards
3 fields- Base cashback
- Exa Card0%Coinbase One Card2%
- Max cashback
- Exa Card0%Coinbase One Card4%
- Reward currency
- Exa CardNo cashbackCoinbase One CardBitcoin
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYCoinbase One CardUp to 3.5% APY
- How it works
- Exa CardEarn on spending balance, Borrow against collateralCoinbase One CardBorrow against collateral
- Separate deposit
- Exa CardNoCoinbase One CardNo
- Use balance for spending
- Exa CardYesCoinbase One CardNo
- Lock-up
- Exa CardNoCoinbase One CardYes
Trust & availability
7 fields- Custody
- Exa CardSelf-custodyCoinbase One CardCustodial
- Control until payment
- Exa CardYou keep controlCoinbase One CardProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalCoinbase One CardFirst Electronic Bank
- Card processing
- Exa CardExa Labs SASCoinbase One CardNot disclosed
- Custody / key management
- Exa CardNot disclosedCoinbase One CardCoinbase, Inc.
- Deposits & withdrawals
- Exa CardBridge, MantecaCoinbase One CardNot disclosed
- Programme operator
- Exa CardExa Labs SASCoinbase One CardNot disclosed
Sources
2 fields- Official sources
- Exa Card31Coinbase One Card23
- Last reviewed
- Exa CardSep 5, 2026Coinbase One CardSep 5, 2026
04 · The verdict
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 67 versus 56 for Coinbase One Card. Exa Card has the lower starting plan cost ($0 vs $49.99/year). Coinbase One Card has the higher published base cashback rate (2% vs 0%).
Coinbase One Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. Exa Card uses a self-controlled wallet setup, while Coinbase One 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 0). 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 One Card reviews first.
Continue with
Exa Card
Continue with
Coinbase One Card
05 · Common questions
Exa vs Coinbase One FAQ
Is Exa or Coinbase One better overall?
Exa Card has the higher Overall Score (67 vs 56). 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 One?
Exa Card has the lower starting plan cost ($0 vs $49.99/year). 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 One?
Coinbase One Card has the higher published base cashback rate (2% 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 Coinbase One differ on custody?
Exa Card uses a self-controlled wallet setup, while Coinbase One 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 One comparison?
The latest information check for these two cards was September 5, 2026, using 54 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.