OobitOobit
72
Side-by-side card comparison
Oobit vs Exa: overall score versus use-case fit
Oobit Card has the higher Overall Score by 6 points (72 vs 66). Oobit Card looks stronger for Cashback, while Exa Card comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 23, 202647 official sources reviewed
01 · Overall score versus use-case fit
Oobit Card is the better all-round starting point
Oobit Card has the higher Overall Score in this comparison. Exa Card may be the better fit for Travel, Funds control, Lowest fees, and Transfers. 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.
OverallOobit72Exa66Higher score
CashbackOobit68Exa19Higher score
TravelOobit45Exa61Higher score
Funds controlOobit77Exa88Higher score
Lowest feesOobit51Exa67Higher score
TransfersOobit64Exa97Higher score
Choose Oobit Card if cashback matters most
Oobit 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.
- Connected-wallet spending
- Phone wallets and contactless ATM
- Stablecoin cashback and points
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
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
- Oobit72Exa66
Oobit Card has the higher Overall Score by 6 points.
- Entry cost & FX
- Oobit$0 plan · 3% FXExa$0 plan · 1.5% FX
Exa Card has the lower published FX fee (1.5% vs 3%).
- Purchase rewards
- Oobit5% base · up to 10%Exa0% cashback
Oobit Card has the higher published base cashback rate (5% vs 0%).
- Funds control
- OobitHybrid custodyExaSelf-controlled wallet
Oobit Card uses a hybrid custody 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.
- Everyday access
- OobitVirtual · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Oobit4 stablecoins · Oobit Pay Friends; Crypto-to-bank payoutExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Oobit Card lists more stablecoins and ways to send money out (6 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.
- Cashback
- 5%-10%
- Plan cost
- $0
- FX fee
- 3%
- ATM fee
- 2.5% Oobit fee plus any contactless ATM operator surcharge
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 0 crypto · 0 fiat
- Payout methods
- 0 crypto · 12 fiat
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
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
CardsOobit CardOverall72Exa CardOverall66
Oobit CardOverall72Exa CardOverall66Scores
6 fields- Overall Score
- Oobit Card72Exa Card66
- Cashback score
- Oobit Card68Exa Card19
- Travel score
- Oobit Card45Exa Card61
- Funds control score
- Oobit Card77Exa Card88
- Lowest fees score
- Oobit Card51Exa Card67
- Transfers score
- Oobit Card64Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Oobit CardConnected-wallet spending, Phone wallets and contactless ATMExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Oobit CardEvery payment carries a provider fee, Physical card is unclearExa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Oobit Card$0Exa Card$0
- FX fee
- Oobit Card3%Exa Card1.5%
- Top-up fee
- Oobit CardConnected-wallet spending needs no prefunding; account-balance top-up pricing varies by routeExa Card1%
- Card spending fee
- Oobit Card$0.25 + 1%Exa CardNot disclosed
- ATM fee
- Oobit Card2.5% Oobit fee plus any contactless ATM operator surchargeExa Card$1 + 0.65%
- Virtual card
- Oobit CardFreeExa CardFree with Exa Wallet
- Physical card
- Oobit CardNot disclosedExa CardNot available
Plans
2 fields- Available plans
- Oobit CardNot disclosedExa CardNot disclosed
- Top cashback plan
- Oobit CardNot disclosedExa CardNot disclosed
Everyday use
8 fields- Network
- Oobit CardVisaExa CardVisa
- Card formats
- Oobit CardVirtualExa CardVirtual
- ATM withdrawals
- Oobit CardAvailableExa CardAvailable
- Mobile wallets
- Oobit CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Oobit CardiOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- Oobit Card$10,000 daily card-spend limit; account-specific controls may be lowerExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Oobit CardNo universal monthly card-spend limit publishedExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Oobit Card$250 maximum per contactless ATM withdrawal; up to three attempts per rolling 24 hoursExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Oobit CardEthereum, BNB Smart Chain, Solana, Polygon, Optimism, ArbitrumExa CardOptimism
- Crypto deposits
- Oobit CardNot disclosedExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Oobit CardNot disclosedExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Oobit CardOobit Pay Friends; Crypto-to-bank payoutExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Oobit CardUSD, EUR, GBP, INR, TRY, NGN, IDR, PHP +4Exa CardUSD, EUR
Rewards
3 fields- Base cashback
- Oobit Card5%Exa Card0%
- Max cashback
- Oobit Card10%Exa Card0%
- Reward currency
- Oobit CardStablecoin rewards or OOB tokenExa CardNo cashback
Earn
5 fields- Advertised APY
- Oobit CardNot offeredExa CardUp to 0.99776% APY
- How it works
- Oobit CardNot offeredExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Oobit CardNot offeredExa CardNo
- Use balance for spending
- Oobit CardNot offeredExa CardYes
- Lock-up
- Oobit CardNot offeredExa CardNo
Trust & availability
6 fields- Custody
- Oobit CardHybrid custodyExa CardSelf-custody
- Control until payment
- Oobit CardYou keep controlExa CardYou keep control
- Card issuer
- Oobit CardThirdNationalExa CardThird National Bank, Third National
- Card processing
- Oobit CardNot disclosedExa CardExa Labs SAS
- Deposits & withdrawals
- Oobit CardNot disclosedExa CardBridge, Manteca
- Programme operator
- Oobit CardNot disclosedExa CardExa Labs SAS
Sources
2 fields- Official sources
- Oobit Card16Exa Card31
- Last reviewed
- Oobit CardAug 12, 2026Exa CardAug 23, 2026
04 · The trade-off
Oobit Card is the stronger all-round choice
Oobit Card finishes ahead with an Overall Score of 72 versus 66 for Exa Card. Exa Card has the lower published FX fee (1.5% vs 3%). Oobit Card has the higher published base cashback rate (5% vs 0%).
Exa Card still comes out ahead for Travel, Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Oobit Card uses a hybrid custody 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.
Oobit Card lists more stablecoins and ways to send money out (6 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 Oobit Card and Exa Card reviews first.
Continue with
Oobit Card
Continue with
Exa Card
05 · Common questions
Oobit vs Exa FAQ
Is Oobit or Exa better overall?
Oobit Card has the higher Overall Score (72 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, Oobit or Exa?
Exa Card has the lower published FX fee (1.5% vs 3%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Oobit or Exa?
Oobit Card has the higher published base cashback rate (5% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Oobit and Exa differ on custody?
Oobit Card uses a hybrid custody 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 Oobit vs Exa comparison?
The latest information check for these two cards was August 23, 2026, using 47 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.