The Exodus Card earns Points (rate not published) cashback on a Visa debit card with no annual fee, available in US, most EEA, Switzerland, Canada, LATAM.
Exodus is a self-custodial multi-chain desktop and mobile crypto wallet founded in 2015 by JP Richardson and Daniel Castagnoli. The parent company, Exodus Movement, Inc., is publicly traded on the NYSE American under the ticker EXOD and was the first US company to complete an SEC-qualified, crypto-only Regulation A+ public offering in 2021.
The Exodus Card is a crypto debit card offered by Exodus (Exodus Pay), available in US, most EEA, Switzerland, Canada, LATAM. It offers Points (rate not published) cashback rewards on purchases. There is no annual fee to hold this card.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. Note that the card is virtual only. It runs on the Visa network and requires full 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, Europe, Latin America, and Canada. See where it ranks among the best crypto debit cards.
Exodus Card is offered in 42 countries according to the provider's published list.
| Tier | Rate | Requirement |
|---|---|---|
| Exodus Pay Rewards | 0% | Reward points on eligible Exodus Card purchases and on the Exodus Pay balance, convertible to XO Cash once 10,000 points are reached (4,000 in Argentina, Brazil, Colombia, Mexico and Uruguay); Exodus publishes no earn rate |
On $500/mo spend, the estimated monthly cost breakdown for Exodus Card is: gas $0.00, 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 nets a gain of about $0.00/mo ($0.00/yr). Exodus 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: The Exodus Spend Card, previously in Exodus Mobile, has moved to Exodus Pay, where it is accessed as the Exodus Card (support article updated September 3, 2026). Exodus says the Spend Card is different from the Exodus Card currently available in Exodus Pay; existing Spend Card delegations (XO Cash, USDC, USDT) can still be spent but can no longer be managed or added. The Exodus Card spends the Exodus Pay balance on Solana, usually in this order: USDT, USDC, then XO Cash (a USD-backed stablecoin issued in partnership with MoonPay); each purchase must be covered by a single asset, and USDC and USDT deposited into Exodus Pay are auto-converted to XO; foreign-currency purchases are converted from USD at the card network and processor rate. In the US the card is a Lead Bank Prepaid Visa, with Bridge Ventures LLC as program manager and Exodus Movement, Inc. as platform provider; the US fee table lists $0 card, monthly, per-purchase and reload fees and a 0% international transaction fee. Migrated Spend Cards keep their previous card details, and Exodus's support pages refer to Visa or Mastercard, so the network of migrated or non-US cards may differ from the US Visa card; no cardholder agreement or fee schedule is published for non-US cards. The card is virtual only, with no physical card, no ATM withdrawals and no PIN support; it works with Apple Pay and Google Pay. Rewards are points earned on card spending and on the Exodus Pay balance (not interest), convertible to XO Cash at a minimum of 10,000 points, or 4,000 in Argentina, Brazil, Colombia, Mexico and Uruguay; participating merchants may add merchant discounts paid as points. Exodus publishes no points-per-dollar rate. Identity verification through Veriff is required for the card, plus an SSN (US) or tax ID and residential address, and possibly source-of-funds and income questions. Exodus Pay launched on April 9, 2026 in select US states with a national rollout through April; the card is now listed in 42 countries (not including the UK). Exodus's 9 October 2026 monthly metrics release says that in Europe "card issuance under these arrangements has not yet resumed"; the release concerns its B2B issuing arrangements and does not say whether the consumer card is affected.
Other crypto cards in the same region or category that may suit your spending profile:
The Exodus Card is a crypto debit card offered by Exodus (Exodus Pay). It is available in US, most EEA, Switzerland, Canada, LATAM and allows users to spend cryptocurrency at merchants worldwide.
The Exodus Card offers Points (rate not published) cashback.
The Exodus Card has an annual fee of $0. Additional fees: Conversion fee: No Exodus Pay or card purchase fee (US fee table: $0 per purchase); FX fee: 0% international transaction fee on US-issued cards (Lead Bank fee table); for international cards Exodus states only that the card network and processor rate applies; ATM: ATM withdrawals not supported; Top-up: Deposits free for a limited time (Exodus Pay page: card, bank transfer or stablecoin transfers); the Exodus Pay app shows third-party fees before a card or Apple Pay deposit completes; Inactivity: None (US fee table).
The Exodus Card has the following limits: daily spending limit: $15,000/day (US), $9,500/day (elsewhere); $2,000 per transaction (US Lead Bank card); daily ATM withdrawal limit: Not supported. Limits can vary by account tier and verification level.
Supported assets include XO Cash; top-up methods include Debit card, Apple Pay (iOS), USDC on Solana, Ethereum or Base and USDT on Solana or Ethereum, auto-converted to XO Cash, Receive XO Cash from other Exodus Pay users; crypto deposits are supported on Solana.
Yes. The Exodus Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Exodus Card is available in Andorra, Argentina, Austria, Belgium, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Colombia, Croatia, Cyprus, Denmark, Finland, France, Germany, Gibraltar, Greece, Guatemala, Hungary, Iceland, Ireland, Isle of Man, Italy, Jersey, Liechtenstein, Lithuania, Luxembourg, Malta, Mexico, Netherlands, Niger, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United States of America, Uruguay, according to the provider's published list.
The Exodus Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Exodus Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Exodus Card supports Apple Pay and Google Pay for contactless payments.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.