The Exa Card is a Visa credit card with no annual fee, available in US (31 states)/LATAM/APAC/Africa/UAE.
Exactly Protocol is a decentralized fixed and variable-rate lending protocol that began development in July 2021, launched on Ethereum mainnet in November 2022 and on Optimism in March 2023. Its EXA governance token launched on Optimism in 2023 alongside the Exactly DAO, and the protocol's investor base includes Kaszek, Newtopia, NXTP, and Synthetix co-founder Kain Warwick.
The Exa Card is a crypto credit card offered by Exa Labs (Exactly Protocol), available in US (31 states)/LATAM/APAC/Africa/UAE. There is no annual fee to hold this card.
Best suited for spenders who want a true credit line rather than a pre-funded crypto debit card. It runs on the Visa network and requires standard identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our regional guides for the US, Latin America, Singapore, and Japan. See where it ranks among the best crypto credit cards.
On $500/mo spend, the estimated monthly cost breakdown for Exa Card is: gas $0.03, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that is still a net cost of about $0.03/mo ($0.36/yr). Because Exa Card is loaded on-chain, frequent small top-ups add gas cost: a daily-spender profile pays about $0.60/mo in gas versus $0.03/mo for a single monthly load, so total drag runs 0.1% with daily reloads versus 0% with a monthly reload. This card bills in USD. Spending in another currency adds up to a 1.5% FX fee depending on region; these figures do not include it. Figures are conservative estimates and vary with conditions.
Note: World's first onchain Visa Signature credit card. Borrow against crypto without selling. Pay in up to 6 fixed-rate installments (every 28 days, USDC). Up to 8 installments via Uphold integration (Mar 2026 launch, US except ~26 states). No bank account or credit score needed. Uphold partnership: exclusive CeFi distribution to 10M users. Non-Uphold version is issued in 31 US states and 46 listed countries. Variable APR on deposits. Issued by Third National. Now supports XRP as collateral via Uphold. Airport lounge access, hotel upgrades, purchase protection, concierge.
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The Exa Card is a crypto credit card offered by Exa Labs (Exactly Protocol). It is available in US (31 states)/LATAM/APAC/Africa/UAE and allows users to spend cryptocurrency at merchants worldwide.
The Exa Card has an annual fee of $0. Additional fees: Conversion fee: 0% on USD purchases (the FX fee applies only to non-USD purchases); FX fee: Up to 1.5% FX + up to 1.5% cross-border (Exa Card terms); 1% international transaction fee (US credit card terms); Top-up: $0; Inactivity: $0.
Yes. Exa Labs (Exactly Protocol) requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Exa Card is available in US (31 states)/LATAM/APAC/Africa/UAE.
The Exa Card is a true credit card, meaning you can make purchases on credit rather than needing to pre-fund the card with cryptocurrency.
Yes, the Exa Card supports Apple Pay and Google Pay for contactless payments.
Visit Exa Labs (Exactly Protocol)
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.