Exactly Protocol / ExaExa
66
Side-by-side card comparison
Exa vs Xapo: overall score versus use-case fit
Xapo Card has the higher Overall Score by 4 points (70 vs 66). Exa Card looks stronger for Funds control, while Xapo Card comes out ahead for Cashback, Travel, Lowest fees, and Transfers.
Information checked Sep 1, 202652 official sources reviewed
01 · Overall score versus use-case fit
Xapo Card is the better all-round starting point
Xapo Card has the higher Overall Score in this comparison. Exa Card may be the better fit for Funds control. 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.
OverallExa66Xapo70Higher score
CashbackExa19Xapo24Higher score
TravelExa61Xapo91Higher score
Funds controlExa88Xapo63Higher score
Lowest feesExa67Xapo77Higher score
TransfersExa97Xapo100Higher score
Choose Exa Card if funds control matters most
Exa Card comes out ahead for Funds control 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 Xapo Card if cashback and travel matter most
Xapo Card comes out ahead for Cashback, Travel, 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.
- No Xapo FX markup
- Account-backed bank and crypto rails
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
- Exa66Xapo70
Xapo Card has the higher Overall Score by 4 points.
- Entry cost & FX
- Exa$0 plan · 1.5% FXXapo$1,000/year plan · 0–0.29% FX
Exa Card has the lower starting plan cost ($0 vs $1,000/year).
- Purchase rewards
- Exa0% cashbackXapo0% base · up to 3%
Both cards show the same base cashback rate of 0%.
- Funds control
- ExaSelf-controlled walletXapoCustodial balance
Exa Card uses a self-controlled wallet setup, while Xapo 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 PayXapoVirtual + Physical · Unknown
Exa Card lists more card formats and phone-wallet options (3 vs 2).
- Money movement
- Exa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutXapo2 stablecoins · Stablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
Xapo Card lists more stablecoins and ways to send money out (8 vs 5).
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%-3%
- Plan cost
- $1,000/year
- FX fee
- 0–0.29%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 3 crypto · 4 fiat
- Payout methods
- 3 crypto · 3 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 CardOverall66Xapo CardOverall70
Exa CardOverall66Xapo CardOverall70Scores
6 fields- Overall Score
- Exa Card66Xapo Card70
- Cashback score
- Exa Card19Xapo Card24
- Travel score
- Exa Card61Xapo Card91
- Funds control score
- Exa Card88Xapo Card63
- Lowest fees score
- Exa Card67Xapo Card77
- Transfers score
- Exa Card97Xapo Card100
Strengths & trade-offs
2 fields- Strengths
- Exa CardDeposited assets can earn yield, Spend balance or borrow USDCXapo CardNo Xapo FX markup, Account-backed bank and crypto rails
- Trade-offs
- Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacyXapo Card$1,000 annual membership, Cashback is temporary and capped ambiguously
Costs
7 fields- Plan cost
- Exa Card$0Xapo Card$1,000/year
- FX fee
- Exa Card1.5%Xapo Card0–0.29%
- Top-up fee
- Exa Card1%Xapo CardNo direct card top-up; the Xapo Account balance funds card spending
- Card spending fee
- Exa CardNot disclosedXapo Card0%
- ATM fee
- Exa Card$1 + 0.65%Xapo Card0–2%
- Virtual card
- Exa CardFree with Exa WalletXapo Card$0 in the Visa Europe programme; outside-Europe pricing not disclosed
- Physical card
- Exa CardNot availableXapo Card$0 for Metal; $0 for standard physical Visa Europe; other standard pricing not disclosed
Plans
2 fields- Available plans
- Exa CardNot disclosedXapo Card1 plans: Xapo Bank membership
- Top cashback plan
- Exa CardNot disclosedXapo CardXapo Bank membership: 0%
Everyday use
8 fields- Network
- Exa CardVisaXapo CardVisa/Mastercard
- Card formats
- Exa CardVirtualXapo CardVirtual, Physical
- ATM withdrawals
- Exa CardAvailableXapo CardAvailable
- Mobile wallets
- Exa CardApple Pay, Google PayXapo CardNot disclosed
- Apps
- Exa CardiOS, Android, WebXapo CardiOS, Android
- Daily spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appXapo Card$50,000 daily for point-of-sale and online purchases
- Monthly spending limit
- Exa CardDynamic / collateral-based; exact Exa App limit shown in appXapo Card$250,000 monthly under the Visa Europe programme
- ATM limit
- Exa Card$250/withdrawal; $1000/dayXapo Card$2,000 daily; Visa Europe also lists $15,000 monthly
Funding & transfers
5 fields- Networks
- Exa CardOptimismXapo CardBitcoin, Lightning, Ethereum, Tron, Solana
- Crypto deposits
- Exa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETHXapo CardStablecoins: USDC, USDT; Other crypto: BTC
- Fiat deposits
- Exa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency depositXapo CardSWIFT receive, ACH receive, SEPA receive, Faster Payments receive
- Transfers
- Exa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payoutXapo CardStablecoin transfers; SWIFT payout, SEPA payout, Faster Payments payout, ACH payout
- Payout currencies
- Exa CardUSD, EURXapo CardUSD, GBP, EUR
Rewards
3 fields- Base cashback
- Exa Card0%Xapo Card0%
- Max cashback
- Exa Card0%Xapo Card3%
- Reward currency
- Exa CardNo cashbackXapo CardBTC
Earn
5 fields- Advertised APY
- Exa CardUp to 0.99776% APYXapo CardUp to 3.35% APY
- How it works
- Exa CardEarn on spending balance, Borrow against collateralXapo CardEarn on spending balance
- Separate deposit
- Exa CardNoXapo CardNo
- Use balance for spending
- Exa CardYesXapo CardYes
- Lock-up
- Exa CardNoXapo CardNo
Trust & availability
7 fields- Custody
- Exa CardSelf-custodyXapo CardCustodial
- Control until payment
- Exa CardYou keep controlXapo CardProvider controls funds
- Card issuer
- Exa CardThird National Bank, Third NationalXapo CardTransact Payments Malta Limited
- Card processing
- Exa CardExa Labs SASXapo CardNot disclosed
- Deposits & withdrawals
- Exa CardBridge, MantecaXapo CardNot disclosed
- Bank transfers
- Exa CardNot disclosedXapo CardXapo Bank Limited
- Programme operator
- Exa CardExa Labs SASXapo CardNot disclosed
Sources
2 fields- Official sources
- Exa Card31Xapo Card21
- Last reviewed
- Exa CardAug 23, 2026Xapo CardSep 1, 2026
04 · The trade-off
Xapo Card is the stronger all-round choice
Xapo Card finishes ahead with an Overall Score of 70 versus 66 for Exa Card. Exa Card has the lower starting plan cost ($0 vs $1,000/year). Both cards show the same base cashback rate of 0%.
Exa Card still comes out ahead for Funds control, 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 Xapo Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
Xapo Card lists more stablecoins and ways to send money out (8 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 Xapo Card reviews first.
Continue with
Exa Card
Continue with
Xapo Card
05 · Common questions
Exa vs Xapo FAQ
Is Exa or Xapo better overall?
Xapo Card has the higher Overall Score (70 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 Xapo?
Exa Card has the lower starting plan cost ($0 vs $1,000/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 Xapo?
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 Xapo differ on custody?
Exa Card uses a self-controlled wallet setup, while Xapo 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 Xapo comparison?
The latest information check for these two cards was September 1, 2026, using 52 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.