Exactly Protocol / ExaExa
67
Side-by-side card comparison
Exa vs Coinbase One
Exa Card has the higher Overall Score by 11 points (67 vs 56). Exa Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Coinbase One Card comes out ahead for Cashback.
Latest check Oct 11, 202654 official sources reviewed
Exa Card
Best fit
- Choosing direct balance spending or fixed-rate USDC credit against collateral.
- Moving between wallet funds and ACH, U.S. wire or SEPA bank transfers.
- Exactly Protocol users linking eligible collateral to everyday Visa purchases.
Before you choose
- Pay Later creates debt against collateral; falling asset values can liquidate it.
- Foreign purchases add 1.5% FX; bank payouts have separate route fees.
- The card is virtual-only and has no ongoing purchase cashback programme.
Coinbase One Card
Best fit
- Existing Coinbase One members who already pay for an eligible plan.
- Everyday credit-card spending with 2% back in BTC on eligible purchases.
- Booking through Coinbase One Card Travel for 5% back in BTC.
Before you choose
- Eligible membership starts at $49.99/year; Basic monthly does not qualify.
- 4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
- U.S. residents only, excluding territories; credit approval is required.
Fees & features
Compare the details
Best markers compare published, comparable values. Unknown values never win a row.
Best known Not disclosed
CardsExa CardOverall67Coinbase One CardOverall56
Exa CardOverall67Coinbase One CardOverall56Scores
- 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 Card40
- Transfers score
- Exa Card97Coinbase One Card24
Costs
- 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
- 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
- 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
- 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
- Base cashback
- Exa Card0%Coinbase One Card2%
- Max cashback
- Exa Card0%Coinbase One Card4%
- Reward currency
- Exa CardNo cashbackCoinbase One CardBitcoin
Earn
- Advertised APY
- Exa CardUp to 0.99776% APYCoinbase One CardNot disclosed
- 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
- 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
- Official sources
- Exa Card31Coinbase One Card23
- Last reviewed
- Exa CardSep 6, 2026Coinbase One CardOct 11, 2026
Choosing between these cards
When to choose Exa or Coinbase One
Keeping control of your funds
Exa suits spending while retaining control of your funds until payment. With Coinbase One, control passes to the provider before the purchase.
Keeping recurring costs down
Exa's base plan is $0, compared with $49.99/year for Coinbase One. This favours Exa for occasional use; card issuance and transaction fees are separate.
Spending in foreign currencies
For FX on foreign-currency purchases, Exa lists 1.5%, versus 0% foreign transaction fee; Amex conversion rates remain separate at Coinbase One. Use the tariff for your country and plan; conversion fees can add to these figures.
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 October 11, 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.