Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs ether.fi Cash: fees, rewards and account setup
ether.fi Cash Card has the higher Overall Score by 21 points (87 vs 66). ether.fi Cash Card also looks stronger for Cashback, Travel, Funds control, and Lowest fees. The details below show where Exa Card may still be the better personal fit.
Information checked Aug 25, 202650 official sources reviewed
01 · Make the first cut
ether.fi Cash Card is the better all-round starting point
ether.fi Cash Card has the higher Overall Score in this comparison. Exa 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.
OverallExa66ether.fi Cash87Higher score
CashbackExa19ether.fi Cash86Higher score
TravelExa61ether.fi Cash84Higher score
Funds controlExa88ether.fi Cash96Higher score
Lowest feesExa67ether.fi Cash69Higher score
TransfersExa97ether.fi Cash97Same score
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. The other card looks stronger for Cashback, Travel, Funds control, and Lowest fees, so compare that advantage with the features you would actually use.
- Deposited assets can earn yield
- Spend balance or borrow USDC
- Self-custody on Exactly Protocol
Choose ether.fi Cash Card if cashback and travel matter most
ether.fi Cash Card comes out ahead for Cashback, Travel, Funds control, and Lowest fees in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Card spend plus cash-account rails
- Liquid USD can stay spendable
- Tiers make perks easier to compare
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Exa66ether.fi Cash87
ether.fi Cash Card has the higher Overall Score by 21 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXether.fi Cash$0 plan · 0–0.2% FX
ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1.5%).
- Purchase rewards
- Exa0% cashbackether.fi Cash3% cashback
ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
- Funds control
- ExaSelf-controlled walletether.fi CashNon-custodial account
Exa Card uses a self-controlled wallet setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ExaVirtual · Apple Pay, Google Payether.fi CashVirtual + Physical · Apple Pay, Google Pay
ether.fi Cash 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 payoutether.fi Cash6 stablecoins · Stablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
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
- 3%
- Plan cost
- $0
- FX fee
- 0–0.2%
- ATM fee
- 2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 19 crypto · 2 fiat
- Payout methods
- 5 crypto · 2 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsExa CardOverall66ether.fi Cash CardOverall87
Exa CardOverall66ether.fi Cash CardOverall87Scores
6 fields- Overall Score
- Exa Card66ether.fi Cash Card87
- Cashback score
- Exa Card19ether.fi Cash Card86
- Travel score
- Exa Card61ether.fi Cash Card84
- Funds control score
- Exa Card88ether.fi Cash Card96
- Lowest fees score
- Exa Card67ether.fi Cash Card69
- Transfers score
- Exa Card97ether.fi Cash Card97
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCether.fi Cash CardCard spend plus cash-account rails, Liquid USD can stay spendable
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyether.fi Cash CardVault returns depend on the selected strategy, Credit setup is more complex than a prepaid card
Costs
7 fields- Plan cost
- Exa Card$0ether.fi Cash Card$0
- FX fee
- Exa Card1.5%ether.fi Cash Card0–0.2%
- Top-up fee
- Exa Card1%ether.fi Cash CardNot disclosed
- Card spending fee
- Exa CardNot disclosedether.fi Cash CardNot disclosed
- ATM fee
- Exa Card$1 + 0.65%ether.fi Cash Card2%
- Virtual card
- Exa CardFree with Exa Walletether.fi Cash CardUp to 50 free virtual cards by tier
- Physical card
- Exa CardNot availableether.fi Cash CardCore: $50 including card and shipping; Luxe, Pinnacle and VIP include at least one free physical card
Plans
2 fields- Available plans
- Exa CardNot disclosedether.fi Cash Card4 plans: Core, Luxe, Pinnacle, VIP
- Top cashback plan
- Exa CardNot disclosedether.fi Cash CardCore: 3%
Everyday use
8 fields- Network
- Exa CardVisaether.fi Cash CardVisa
- Card formats
- Exa CardVirtualether.fi Cash CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableether.fi Cash CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google Payether.fi Cash CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, Webether.fi Cash CardiOS, Android, Web
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appether.fi Cash CardCore $30,000/day; Luxe $50,000/day; Pinnacle $100,000/day
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appether.fi Cash CardMonthly limit shown in app; cashback caps vary by plan
- ATM limit
- Exa Card$250/withdrawal; $1000/dayether.fi Cash Card$250/withdrawal; $750/day
Funding & transfers
5 fields- Networks
- Exa CardOptimismether.fi Cash CardOptimism
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHether.fi Cash CardStablecoins: USDC, USDT, EURC, frxUSD, LiquidUSD; Other crypto: beHYPE, eBTC, ETHFI, eUSD, LiquidBTC +9
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositether.fi Cash CardUSD ACH / FedWire receive, EUR SEPA receive
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutether.fi Cash CardStablecoin transfers; EUR SEPA payout, USD ACH / FedWire payout
- Payout currencies
- Exa CardUSD, EURether.fi Cash CardEUR, USD
Rewards
3 fields- Base cashback
- Exa Card0%ether.fi Cash Card3%
- Max cashback
- Exa Card0%ether.fi Cash Card3%
- Reward currency
- Exa CardNo cashbackether.fi Cash CardUSD cashback paid in USDC
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYether.fi Cash CardUp to 5.02% APY
- How it works
- Exa CardEarn on spending balance, Borrow against collateralether.fi Cash CardEarn on spending balance, Borrow against collateral, Optional earn vault
- Separate deposit
- Exa CardNoether.fi Cash CardNot disclosed
- Use balance for spending
- Exa CardYesether.fi Cash CardNot disclosed
- Lock-up
- Exa CardNoether.fi Cash CardNot disclosed
Trust & availability
6 fields- Custody
- Exa CardSelf-custodyether.fi Cash CardNon-custodial
- Control until payment
- Exa CardYou keep controlether.fi Cash CardYou keep control
- Card issuer
- Exa CardThird National Bank, Third Nationalether.fi Cash CardThird National
- Card processing
- Exa CardExa Labs SASether.fi Cash CardNot disclosed
- Deposits & withdrawals
- Exa CardBridge, Mantecaether.fi Cash CardSEPA third-party provider
- Programme operator
- Exa CardExa Labs SASether.fi Cash Cardether.fi, Ether.Fi SEZC
Sources
2 fields- Official sources
- Exa Card31ether.fi Cash Card19
- Last reviewed
- Exa CardAug 23, 2026ether.fi Cash CardAug 25, 2026
04 · The takeaway
ether.fi Cash Card is the stronger all-round choice
ether.fi Cash Card finishes ahead with an Overall Score of 87 versus 66 for Exa Card. ether.fi Cash Card has the lower published FX fee (0–0.2% vs 1.5%). ether.fi Cash Card has the higher published base cashback rate (3% vs 0%).
Exa 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 ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
ether.fi Cash Card lists more stablecoins and ways to send money out (9 vs 5). 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 ether.fi Cash Card reviews first.
Continue with
Exa Card
Continue with
ether.fi Cash Card
05 · Common questions
Exa vs ether.fi Cash FAQ
Is Exa or ether.fi Cash better overall?
ether.fi Cash Card has the higher Overall Score (87 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 ether.fi Cash?
ether.fi Cash Card has the lower published FX fee (0–0.2% 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 ether.fi Cash?
ether.fi Cash Card has the higher published base cashback rate (3% 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 ether.fi Cash differ on custody?
Exa Card uses a self-controlled wallet setup, while ether.fi Cash Card uses a non-custodial account setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Exa vs ether.fi Cash comparison?
The latest information check for these two cards was August 25, 2026, using 50 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.