TangemTangem
77
Side-by-side card comparison
Tangem vs Exa: overall score versus use-case fit
Tangem Card has the higher Overall Score by 10 points (77 vs 67). Tangem Card looks stronger for Cashback and Travel, while Exa Card comes out ahead for Funds control, Lowest fees, and Transfers.
Information checked Oct 11, 202651 official sources reviewed
01 · Overall score versus use-case fit
Tangem Card is the better all-round starting point
Tangem Card has the higher Overall Score in this comparison. Exa Card may be the better fit for 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.
OverallTangem77Exa67Higher score
CashbackTangem73Exa19Higher score
TravelTangem63Exa62Higher score
Funds controlTangem87Exa88Higher score
Lowest feesTangem52Exa68Higher score
TransfersTangem65Exa97Higher score
Choose Tangem Card if cashback and travel matter most
Tangem Card comes out ahead for Cashback and Travel in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Exa Card if funds control and lowest fees matter most
Exa Card comes out ahead for 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
- Tangem77Exa67
Tangem Card has the higher Overall Score by 10 points.
- Entry cost & FX
- Tangem$0 plan · Up to 3% legal cap; current fee unknown FXExa$0 plan · 1.5% 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
- Tangem1% base · up to 2%Exa0% cashback
Tangem Card has the higher published base cashback rate (1% vs 0%).
- Funds control
- TangemHybrid custodyExaSelf-controlled wallet
Tangem 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
- TangemVirtual + Physical · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Tangem Card lists more card formats and phone-wallet options (4 vs 3).
- Money movement
- Tangem2 stablecoins · Stablecoin transfersExa1 stablecoin · Stablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
Exa Card lists more stablecoins and ways to send money out (5 vs 3).
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
- 1%-2%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- 2–4%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 1 crypto · 0 fiat
67
- 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
CardsTangem CardOverall77Exa CardOverall67
Tangem CardOverall77Exa CardOverall67Scores
6 fields- Overall Score
- Tangem Card77Exa Card67
- Cashback score
- Tangem Card73Exa Card19
- Travel score
- Tangem Card63Exa Card62
- Funds control score
- Tangem Card87Exa Card88
- Lowest fees score
- Tangem Card52Exa Card68
- Transfers score
- Tangem Card65Exa Card97
Strengths & trade-offs
2 fields- Strengths
- Tangem CardApple Pay and Google Pay, Direct USDC funding on PolygonExa CardDeposited assets can earn yield, Spend balance or borrow USDC
- Trade-offs
- Tangem CardCashback starts at a $30 purchase, ATM withdrawals cost 2%-4%Exa CardHeavy Exactly Protocol dependency, Pay Later needs DeFi literacy
Costs
7 fields- Plan cost
- Tangem Card$0Exa Card$0
- FX fee
- Tangem CardUp to 3% legal cap; current fee unknownExa Card1.5%
- Top-up fee
- Tangem CardCrypto: no provider top-up fee. Bank: Basic ACH $1 / Fedwire $11; Plus free; third-party costs separateExa Card1%
- Card spending fee
- Tangem Card0%Exa CardNot disclosed
- ATM fee
- Tangem Card2–4%Exa Card$1 + 0.65%
- Virtual card
- Tangem Card$0 for the first virtual cardExa CardFree with Exa Wallet
- Physical card
- Tangem CardBasic: destination-dependent delivery $15.63–$63.45; Plus: first physical delivery freeExa CardNot available
Plans
2 fields- Available plans
- Tangem Card2 plans: Basic, PlusExa CardNot disclosed
- Top cashback plan
- Tangem CardPlus: 2%Exa CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaExa CardVisa
- Card formats
- Tangem CardVirtual, PhysicalExa CardVirtual
- ATM withdrawals
- Tangem CardAvailableExa CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic: up to $10,000 daily; Plus: up to $50,000 daily, subject to account controlsExa CardDynamic / collateral-based; exact Exa App limit shown in app
- Monthly spending limit
- Tangem CardNo current monthly POS amount is published; up to 1,000 POS transactions per monthExa CardDynamic / collateral-based; exact Exa App limit shown in app
- ATM limit
- Tangem Card$250 per withdrawal; up to three withdrawals per 24 hours; eligible card and ATM requiredExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Tangem CardPolygon, BNB Smart Chain, Base, ArbitrumExa CardOptimism
- Crypto deposits
- Tangem CardStablecoins: USDC, USDTExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Tangem CardUSD ACH deposit, USD Fedwire depositExa CardUSD ACH deposit, USD wire deposit, EUR SEPA deposit, Local currency deposit
- Transfers
- Tangem CardStablecoin transfersExa CardStablecoin transfers; USD ACH bank payout, USD domestic wire payout, EUR SEPA bank payout
- Payout currencies
- Tangem CardNot disclosedExa CardUSD, EUR
Rewards
3 fields- Base cashback
- Tangem Card1%Exa Card0%
- Max cashback
- Tangem Card2%Exa Card0%
- Reward currency
- Tangem CardUSDCExa CardNo cashback
Earn
5 fields- Advertised APY
- Tangem CardNot offeredExa CardUp to 0.99776% APY
- How it works
- Tangem CardNot offeredExa CardEarn on spending balance, Borrow against collateral
- Separate deposit
- Tangem CardNot offeredExa CardNo
- Use balance for spending
- Tangem CardNot offeredExa CardYes
- Lock-up
- Tangem CardNot offeredExa CardNo
Trust & availability
7 fields- Custody
- Tangem CardHybrid custodyExa CardSelf-custody
- Control until payment
- Tangem CardYou keep controlExa CardYou keep control
- Card issuer
- Tangem CardThird NationalExa CardThird National Bank, Third National
- Card processing
- Tangem CardPaera LLCExa CardExa Labs SAS
- Deposits & withdrawals
- Tangem CardNot disclosedExa CardBridge, Manteca
- Identity verification
- Tangem CardSumsubExa CardNot disclosed
- Programme operator
- Tangem CardNot disclosedExa CardExa Labs SAS
Sources
2 fields- Official sources
- Tangem Card20Exa Card31
- Last reviewed
- Tangem CardOct 11, 2026Exa CardSep 6, 2026
04 · The trade-off
Tangem Card is the stronger all-round choice
Tangem Card finishes ahead with an Overall Score of 77 versus 67 for Exa Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Tangem Card has the higher published base cashback rate (1% vs 0%).
Exa Card still comes out ahead for Funds control, Lowest fees, and Transfers, which may matter more than the overall result if that is how you plan to use the card. Tangem 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.
Exa Card lists more stablecoins and ways to send money out (5 vs 3). 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 Tangem Card and Exa Card reviews first.
Continue with
Tangem Card
Continue with
Exa Card
05 · Common questions
Tangem vs Exa FAQ
Is Tangem or Exa better overall?
Tangem Card has the higher Overall Score (77 vs 67). 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, Tangem or Exa?
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, Tangem or Exa?
Tangem Card has the higher published base cashback rate (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 Tangem and Exa differ on custody?
Tangem 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 Tangem vs Exa comparison?
The latest information check for these two cards was October 11, 2026, using 51 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.