MPChatMPChat
52
Side-by-side card comparison
MPChat vs Exa
Exa Card has the higher Overall Score by 15 points (67 vs 52). MPChat Card looks stronger for Travel, while Exa Card comes out ahead for Cashback, Funds control, Lowest fees, and Transfers.
Latest check Nov 12, 202661 official sources reviewed
MPChat Card
Best fit
- MPChat Pay users allocating USDT to a separate Visa spending balance.
- Choosing Cloud for online payments or Boundless for physical-card use.
- Occasional card use with a one-time issuance price and no monthly plan fee.
Before you choose
- Each purchase costs 0.8%, plus variable USDT conversion and any issuer FX.
- Cloud costs 10 USDT; Boundless costs 100 USDT and charges 2% for ATMs.
- The Web3 wallet cannot fund purchases directly; allocate funds from MPChat Pay.
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.
Fees & features
Compare the details
CardsMPChat CardOverall52Exa CardOverall67
MPChat CardOverall52Exa CardOverall67Scores
- Overall Score
- MPChat Card52Exa Card67
- Cashback score
- MPChat Card18Exa Card19
- Travel score
- MPChat Card72Exa Card62
- Funds control score
- MPChat Card41Exa Card88
- Lowest fees score
- MPChat Card60Exa Card68
- Transfers score
- MPChat Card58Exa Card97
Costs
- Plan cost
- MPChat Card$0Exa Card$0
- FX fee
- MPChat Card0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separateExa Card1.5%
- Top-up fee
- MPChat CardUSDT on Tron (TRC20); minimum received 10 USDT; allocate Pay balance to cardExa Card1%
- Card spending fee
- MPChat Card$0.10 + 0.8%Exa CardNot disclosed
- ATM fee
- MPChat CardBoundless only: 2%, minimum $1; Cloud has no ATM accessExa Card$1 + 0.65%
- Virtual card
- MPChat CardCloud: 10 USDT one timeExa CardFree with Exa Wallet
- Physical card
- MPChat CardBoundless: 100 USDT one timeExa CardNot available
Plans & rewards
- Available plans
- MPChat Card2 plans: Cloud Card, Boundless CardExa CardNot disclosed
- Top cashback plan
- MPChat CardNot disclosedExa CardNot disclosed
- Base cashback
- MPChat CardNot disclosedExa Card0%
- Max cashback
- MPChat CardNot disclosedExa Card0%
- Reward currency
- MPChat CardNot disclosedExa CardNo cashback
Everyday use
- Network
- MPChat CardVisaExa CardVisa
- Card formats
- MPChat CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- MPChat CardAvailableExa CardAvailable
- Mobile wallets
- MPChat CardGoogle PayExa CardApple Pay, Google Pay
- Apps
- MPChat CardNot disclosedExa CardiOS, Android, Web
- Daily spending limit
- MPChat CardUp to $250,000 and conservatively 50 purchases per day; app limits may be lowerExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- MPChat CardUp to $1,000,000 per month; app limit may be lowerExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- MPChat CardBoundless: up to $1,500 per withdrawal and day; $15,000 monthlyExa Card$250/withdrawal; $1000/day
Funding & transfers
- Networks
- MPChat CardTron (TRC20)Exa CardOptimism
- Crypto deposits
- MPChat CardStablecoins: USDTExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- MPChat CardNot disclosedExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- MPChat CardStablecoin transfersExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- MPChat CardNot disclosedExa CardUSD, EUR
Earn
- Advertised APY
- MPChat CardNot offeredExa CardUp to 0.99776% APY
- How it works
- MPChat CardNot offeredExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- MPChat CardNot offeredExa CardNo
- Use balance for spending
- MPChat CardNot offeredExa CardYes
- Lock-up
- MPChat CardNot offeredExa CardNo
Trust & availability
- Custody
- MPChat CardCustodialExa CardSelf-custody
- Control until payment
- MPChat CardProvider controls fundsExa CardYou keep control
- Card issuer
- MPChat CardNot disclosedExa CardThird National Bank, Third National
- Card processing
- MPChat CardNot disclosedExa CardExa Labs SAS
- Deposits & withdrawals
- MPChat CardNot disclosedExa CardBridge, Manteca
- Programme operator
- MPChat CardNot disclosedExa CardExa Labs SAS
Sign-up Offers
MPChat Card
Partner offer5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Offer details & conditions
Exa Card
No active signup offer listed.
Choosing between these cards
When to choose MPChat or Exa
Keeping control of your funds
Exa suits spending while retaining control of your funds until payment. With MPChat, control passes to the provider before the purchase.
Paying with a physical card
MPChat offers a physical card, while Exa does not. For purchases that require the card itself rather than a phone wallet, consider MPChat and check its order and delivery terms.
Using the crypto you already hold
MPChat's reviewed deposit assets include USDT; Exa's include ETH, OP, USDC, WBTC and other assets. If you already hold one of these assets, compare its deposit network and conversion route before moving funds.
Common questions
MPChat vs Exa FAQ
Is MPChat or Exa better overall?
Exa Card has the higher Overall Score (67 vs 52). 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, MPChat or Exa?
MPChat Card has the lower published FX fee (0% MPChat FX markup; Visa/issuer FX is passed through and varies by country and region. Purchase fees and USDT conversion costs are separate 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, MPChat or Exa?
The providers have not published enough matching base cashback information to name a winner. Check the maximum rates, reward assets, caps and conditions below. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do MPChat and Exa differ on custody?
MPChat Card uses a custodial balance setup, while Exa Card uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this MPChat vs Exa comparison?
The latest information check for these two cards was November 12, 2026, using 61 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.