Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Spritz: overall score versus use-case fit
Exa Card has the higher Overall Score by 4 points (66 vs 62). Exa Card looks stronger for Travel, Funds control, Lowest fees, and Transfers, while Spritz Card comes out ahead for Cashback.
Information checked Aug 28, 202672 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. Spritz 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.
OverallExa66Spritz62Higher score
CashbackExa19Spritz34Higher score
TravelExa61Spritz46Higher score
Funds controlExa88Spritz62Higher score
Lowest feesExa67Spritz44Higher score
TransfersExa97Spritz64Higher 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 Spritz Card if cashback matters most
Spritz 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.
- Direct crypto card top-up
- Both major phone wallets
- 154-country virtual access
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
- Exa66Spritz62
Exa Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXSpritz$0 plan · Exact Spritz markup not disclosed; local exchange and conversion rates may apply 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% cashbackSpritz0% base · up to 5%
Both cards show the same base cashback rate of 0%.
- Funds control
- ExaSelf-controlled walletSpritzHybrid custody
Exa Card uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- ExaVirtual · Apple Pay, Google PaySpritzVirtual + Physical · Apple Pay, Google Pay
Spritz 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 payoutSpritz0 stablecoins · Wallet-to-bank Off-Ramp
Exa Card lists more stablecoins and ways to send money out (5 vs 1).
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%-5%
- Plan cost
- $0
- FX fee
- Exact Spritz markup not disclosed; local exchange and conversion rates may apply
- ATM fee
- Not disclosed
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 0 crypto · 4 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 CardOverall66Spritz CardOverall62
Exa CardOverall66Spritz CardOverall62Scores
6 fields- Overall Score
- Exa Card66Spritz Card62
- Cashback score
- Exa Card19Spritz Card34
- Travel score
- Exa Card61Spritz Card46
- Funds control score
- Exa Card88Spritz Card62
- Lowest fees score
- Exa Card67Spritz Card44
- Transfers score
- Exa Card97Spritz Card64
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCSpritz CardDirect crypto card top-up, Both major phone wallets
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacySpritz CardATM use is not verified, Top-up fees vary by route
Costs
7 fields- Plan cost
- Exa Card$0Spritz Card$0
- FX fee
- Exa Card1.5%Spritz CardExact Spritz markup not disclosed; local exchange and conversion rates may apply
- Top-up fee
- Exa Card1%Spritz Card1–3%
- Card spending fee
- Exa CardNot disclosedSpritz Card0%
- ATM fee
- Exa Card$1 + 0.65%Spritz CardNot disclosed
- Virtual card
- Exa CardFree with Exa WalletSpritz CardNot disclosed
- Physical card
- Exa CardNot availableSpritz CardNot disclosed
Plans
2 fields- Available plans
- Exa CardNot disclosedSpritz CardNot disclosed
- Top cashback plan
- Exa CardNot disclosedSpritz CardNot disclosed
Everyday use
8 fields- Network
- Exa CardVisaSpritz CardVisa
- Card formats
- Exa CardVirtualSpritz CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableSpritz CardNot disclosed
- Mobile wallets
- Exa CardApple Pay, Google PaySpritz CardApple Pay, Google Pay
- Apps
- Exa CardiOS, Android, WebSpritz CardiOS
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appSpritz CardNo provider-published daily spend cap
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appSpritz CardNot disclosed
- ATM limit
- Exa Card$250/withdrawal; $1000/daySpritz CardNot verified for the current no-PIN card
Funding & transfers
5 fields- Networks
- Exa CardOptimismSpritz CardArbitrum, Avalanche, Base, Bitcoin, BNB Chain, Dash +6
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHSpritz CardOther crypto: Crypto top-up
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositSpritz CardNot disclosed
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutSpritz CardWallet-to-bank Off-Ramp
- Payout currencies
- Exa CardUSD, EURSpritz CardUSD, CAD, GBP, EUR
Rewards
3 fields- Base cashback
- Exa Card0%Spritz Card0%
- Max cashback
- Exa Card0%Spritz Card5%
- Reward currency
- Exa CardNo cashbackSpritz CardSpritz Credits
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYSpritz CardNot offered
- How it works
- Exa CardEarn on spending balance, Borrow against collateralSpritz CardNot offered
- Separate deposit
- Exa CardNoSpritz CardNot offered
- Use balance for spending
- Exa CardYesSpritz CardNot offered
- Lock-up
- Exa CardNoSpritz CardNot offered
Trust & availability
6 fields- Custody
- Exa CardSelf-custodySpritz CardHybrid custody
- Control until payment
- Exa CardYou keep controlSpritz CardProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalSpritz CardNot disclosed
- Card processing
- Exa CardExa Labs SASSpritz CardRain
- Deposits & withdrawals
- Exa CardBridge, MantecaSpritz CardNot disclosed
- Programme operator
- Exa CardExa Labs SASSpritz CardNot disclosed
Sources
2 fields- Official sources
- Exa Card31Spritz Card41
- Last reviewed
- Exa CardAug 23, 2026Spritz CardAug 28, 2026
04 · The trade-off
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 versus 62 for Spritz Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
Spritz 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 Spritz Card uses a hybrid custody 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 1). 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 Spritz Card reviews first.
Continue with
Exa Card
Continue with
Spritz Card
05 · Common questions
Exa vs Spritz FAQ
Is Exa or Spritz better overall?
Exa Card has the higher Overall Score (66 vs 62). 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 Spritz?
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 Spritz?
Both cards show the same base cashback rate of 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 Spritz differ on custody?
Exa Card uses a self-controlled wallet setup, while Spritz Card uses a hybrid custody setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Exa vs Spritz comparison?
The latest information check for these two cards was August 28, 2026, using 72 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.