The Exa Card is a Visa credit card with no annual fee, available in 160+ countries (NOT UK/Europe).
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 160+ countries (NOT UK/Europe). 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. Browse all our regional card guides.
On $500/mo spend, the estimated monthly cost breakdown for Exa Card is: gas $0.00, conversion spread $2.50, flat/FX fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0.5% of spend. After $0.00/mo cashback that is still a net cost of about $2.50/mo ($30.00/yr). Exa Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. 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. UK and Europe currently unavailable. Non-Uphold version covers 160+ countries. Variable APR on deposits. Issued by Third National Bank (Uphold version). Now supports XRP as collateral via Uphold. Airport lounge access, hotel upgrades, purchase protection, concierge.
Other crypto cards in the same region or category that may suit your spending profile:
The Exa Card is a crypto credit card offered by Exa Labs (Exactly Protocol). It is available in 160+ countries (NOT UK/Europe) and allows users to spend cryptocurrency at merchants worldwide.
The Exa Card has an annual fee of $0. Additional fees: Conversion fee: Spread-based (in FX); FX fee: 1.5% + up to 1.5% cross-border; Top-up: $0; Inactivity: $0.
The Exa Card is available in 160+ countries (NOT UK/Europe). Its availability status is "Global excl. UK/Europe".
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.