TangemTangem
60
Side-by-side card comparison
Tangem vs Exa: fees, rewards and account setup
Exa Card has the higher Overall Score by 6 points (66 vs 60). Exa Card also looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers. The details below show where Tangem Card may still be the better personal fit.
Information checked Aug 28, 202649 official sources reviewed
01 · Make the first cut
Exa Card is the better all-round starting point
Exa Card has the higher Overall Score in this comparison. Tangem Card may still suit you better if its card format, way of holding funds or availability is the deciding factor. 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.
OverallTangem60Exa66Higher score
CashbackTangem15Exa19Higher score
TravelTangem27Exa61Higher score
Funds controlTangem83Exa88Higher score
Lowest feesTangem53Exa67Higher score
TransfersTangem58Exa97Higher score
Choose Tangem Card if its day-to-day setup suits you
Tangem Card does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. The other card looks stronger for Cashback, Travel, Funds control, Lowest fees, and Transfers, so compare that advantage with the features you would actually use.
- Apple Pay and Google Pay
- Direct USDC funding on Polygon
- No monthly or standard purchase fee
Choose Exa Card if cashback and travel matter most
Exa Card comes out ahead for Cashback, 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
The differences that could change the result
The overall score points one way, but a specific use case or product condition may point another.
- Overall Score
- Tangem60Exa66
Exa Card has the higher Overall Score by 6 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
- Tangem0% cashbackExa0% cashback
Both cards show the same base cashback rate of 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 · Apple Pay, Google PayExaVirtual · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Tangem1 stablecoin · 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 2).
02 · Read the shortlist
A closer look at the two cards
These quick facts cover the costs, rewards and everyday features most likely to shape your choice. Use the full table below when you want the finer details.
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- Up to 3% legal cap; current fee unknown
- ATM fee
- Not available
- Card formats
- Virtual
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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
Compare the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsTangem CardOverall60Exa CardOverall66
Tangem CardOverall60Exa CardOverall66Scores
6 fields- Overall Score
- Tangem Card60Exa Card66
- Cashback score
- Tangem Card15Exa Card19
- Travel score
- Tangem Card27Exa Card61
- Funds control score
- Tangem Card83Exa Card88
- Lowest fees score
- Tangem Card53Exa Card67
- Transfers score
- Tangem Card58Exa 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 CardNo current cashback, Virtual-only with no ATM accessExa 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 Card0%Exa Card1%
- Card spending fee
- Tangem Card0%Exa CardNot disclosed
- ATM fee
- Tangem CardNot availableExa Card$1 + 0.65%
- Virtual card
- Tangem Card$0 for the first virtual cardExa CardFree with Exa Wallet
- Physical card
- Tangem CardNot disclosedExa CardNot available
Plans
2 fields- Available plans
- Tangem CardNot disclosedExa CardNot disclosed
- Top cashback plan
- Tangem CardNot disclosedExa CardNot disclosed
Everyday use
8 fields- Network
- Tangem CardVisaExa CardVisa
- Card formats
- Tangem CardVirtualExa CardVirtual
- ATM withdrawals
- Tangem CardNot availableExa CardAvailable
- Mobile wallets
- Tangem CardApple Pay, Google PayExa CardApple Pay, Google Pay
- Apps
- Tangem CardiOS, AndroidExa CardiOS, Android, Web
- Daily spending limit
- Tangem CardBasic advertises $10,000 daily; the account system/default shows up to $50,000, so the effective Basic limit is unclearExa 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 CardATM withdrawals are not currently availableExa Card$250/withdrawal; $1000/day
Funding & transfers
5 fields- Networks
- Tangem CardPolygonExa CardOptimism
- Crypto deposits
- Tangem CardStablecoins: USDCExa CardStablecoins: USDC; Other crypto: ETH, OP, WBTC, wstETH
- Fiat deposits
- Tangem CardNot disclosedExa 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 Card0%Exa Card0%
- Max cashback
- Tangem Card0%Exa Card0%
- Reward currency
- Tangem CardNo current purchase rewardsExa 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 Card18Exa Card31
- Last reviewed
- Tangem CardAug 28, 2026Exa CardAug 23, 2026
04 · The takeaway
Exa Card is the stronger all-round choice
Exa Card finishes ahead with an Overall Score of 66 versus 60 for Tangem 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%.
Tangem Card can still be the more comfortable choice if its availability, card setup or way of holding funds suits you better. 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 2). 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?
Exa Card has the higher Overall Score (66 vs 60). 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?
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 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 August 28, 2026, using 49 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.