Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Pionex: overall score versus use-case fit
Exa Card has the higher Overall Score by 9 points (66 vs 57). Exa Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Pionex Card comes out ahead for Cashback.
Information checked Aug 23, 202690 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. Pionex Card may be the better fit for Cashback. 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.
OverallExa66Pionex57Higher score
CashbackExa19Pionex52Higher score
TravelExa61Pionex29Higher score
Funds controlExa88Pionex43Higher score
Lowest feesExa67Pionex58Higher score
TransfersExa97Pionex79Higher score
Choose Exa Card if travel and funds control matter most
Exa Card comes out ahead for Travel, 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 Pionex Card if cashback matters most
Pionex Card comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Visa and Mastercard options
- 0.1%-1% cashback in USDT
- Pionex account funding and payouts
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
- Exa66Pionex57
Exa Card has the higher Overall Score by 9 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXPionex$0 plan · Not disclosed 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% cashbackPionex0.1% base · up to 1%
Pionex Card has the higher published base cashback rate (0.1% vs 0%).
- Funds control
- ExaSelf-controlled walletPionexCustodial balance
Exa Card uses a self-controlled wallet setup, while Pionex 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 PayPionexVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutPionex1 stablecoin · Stablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex 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
- 0.1%-1%
- Plan cost
- $0
- FX fee
- Not disclosed
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 fiat
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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 CardOverall66Pionex CardOverall57
Exa CardOverall66Pionex CardOverall57Scores
6 fields- Overall Score
- Exa Card66Pionex Card57
- Cashback score
- Exa Card19Pionex Card52
- Travel score
- Exa Card61Pionex Card29
- Funds control score
- Exa Card88Pionex Card43
- Lowest fees score
- Exa Card67Pionex Card58
- Transfers score
- Exa Card97Pionex Card79
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCPionex CardVisa and Mastercard options, 0.1%-1% cashback in USDT
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyPionex CardMastercard can cost up to 3.5%, General access is virtual-only
Costs
7 fields- Plan cost
- Exa Card$0Pionex Card$0
- FX fee
- Exa Card1.5%Pionex CardNot disclosed
- Top-up fee
- Exa Card1%Pionex CardNot disclosed
- Card spending fee
- Exa CardNot disclosedPionex Card3.5%
- ATM fee
- Exa Card$1 + 0.65%Pionex CardNot available
- Virtual card
- Exa CardFree with Exa WalletPionex CardAvailable
- Physical card
- Exa CardNot availablePionex CardNot available
Plans
2 fields- Available plans
- Exa CardNot disclosedPionex Card2 plans: Mastercard, Visa
- Top cashback plan
- Exa CardNot disclosedPionex CardVisa: 1%
Everyday use
8 fields- Network
- Exa CardVisaPionex CardVisa/Mastercard
- Card formats
- Exa CardVirtualPionex CardVirtual
- ATM withdrawals
- Exa CardAvailablePionex CardNot available
- Mobile wallets
- Exa CardApple Pay, Google PayPionex CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebPionex CardNot disclosed
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appPionex Card$10,000-$20,000/day; $10,000-$20,000/transaction depending on network
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appPionex Card$50,000-$100,000/month depending on network
- ATM limit
- Exa Card$250/withdrawal; $1000/dayPionex CardNot available
Funding & transfers
5 fields- Networks
- Exa CardOptimismPionex CardNot disclosed
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHPionex CardOther crypto: Supported crypto
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositPionex CardNot disclosed
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutPionex CardStablecoin transfers; Pionex Primary ↔ Card account transfer, Pionex Primary → Mastercard account transfer; Pionex account cash-out
- Payout currencies
- Exa CardUSD, EURPionex CardNot disclosed
Rewards
3 fields- Base cashback
- Exa Card0%Pionex Card0.1%
- Max cashback
- Exa Card0%Pionex Card1%
- Reward currency
- Exa CardNo cashbackPionex CardUSDT
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYPionex CardUp to 5% APY
- How it works
- Exa CardEarn on spending balance, Borrow against collateralPionex CardEarn on spending balance
- Separate deposit
- Exa CardNoPionex CardNo
- Use balance for spending
- Exa CardYesPionex CardYes
- Lock-up
- Exa CardNoPionex CardNo
Trust & availability
6 fields- Custody
- Exa CardSelf-custodyPionex CardCustodial
- Control until payment
- Exa CardYou keep controlPionex CardProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalPionex CardNot disclosed
- Card processing
- Exa CardExa Labs SASPionex CardNot disclosed
- Deposits & withdrawals
- Exa CardBridge, MantecaPionex CardNot disclosed
- Programme operator
- Exa CardExa Labs SASPionex CardNot disclosed
Sources
2 fields- Official sources
- Exa Card31Pionex Card59
- Last reviewed
- Exa CardAug 23, 2026Pionex CardAug 14, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 versus 57 for Pionex Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Pionex Card has the higher published base cashback rate (0.1% vs 0%).
Pionex Card still comes out ahead for Cashback, 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 Pionex 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 Pionex Card reviews first.
Continue with
Exa Card
Continue with
Pionex Card
05 · Common questions
Exa vs Pionex FAQ
Is Exa or Pionex better overall?
Exa Card has the higher Overall Score (66 vs 57). 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 Pionex?
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 Pionex?
Pionex Card has the higher published base cashback rate (0.1% 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 Pionex differ on custody?
Exa Card uses a self-controlled wallet setup, while Pionex 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 Pionex comparison?
The latest information check for these two cards was August 23, 2026, using 90 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.