Exa Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
Get Exa CardNot a partner link. We earn nothing from this card; it goes straight to the issuer.
Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 1.5% on purchases in currencies other than USD, included in the exchange rate |
| ATM limit | $250 per withdrawal, four a day, $1 plus 0.65% each, at contactless ATMs through Apple Pay or Google Pay |
| Spending limit | $10,000 per week, higher with proof of address and funds; the spending limit also depends on collateral |
Fees change; the current ones are in Exa’s terms.
Features
- KYC: Yes
- Card type: Virtual only
- Top up with: USDC, ETH, WBTC, wstETH and OP on OP Mainnet as collateral, other assets and other EVM networks by transfer
Full list
Bank transfers in USD by ACH or wire and EUR by SEPA via Bridge, plus local ARS and USD in Argentina via Manteca, all arriving as USDC
- Available countries: Antigua and Barbuda, Argentina, Australia, Bahamas, Barbados, Belize, Bolivia, Brazil, Cayman Islands, Colombia, Costa…
Full list
- … Rica, Côte d'Ivoire, Dominican Republic, Ecuador, El Salvador, Ghana, Grenada, Guatemala, Guyana, Honduras, Hong Kong, Japan, Kenya, Malaysia, Mexico, Morocco, New Zealand, Nigeria, Pakistan, Panama, Paraguay, Peru, Philippines, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Senegal, Singapore, South Africa, Suriname, Trinidad and Tobago, Turks and Caicos Islands, United Arab Emirates, Uganda, Uruguay, Zambia
- United States: Alabama, Alaska, Arkansas, California, Colorado, Connecticut, Florida, Hawaii, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Massachusetts, Michigan, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, North Carolina, Oklahoma, Pennsylvania, South Carolina, Texas, Utah, Virginia, West Virginia, Wyoming
- Nigeria needs conditional approval
Who issues the Exa Card
The Exa Card is issued by Third National (Nimbus LLC), USA; Puerto Rico money transmitter (NMLS #2612780), a subsidiary of Signify Holdings, Inc. ("Rain") per Rain's privacy policy. The issuer is named in the source linked below. Exa's card terms for users outside the United States: "The issuer for this card program is Third National."
Primary source · All cards issued by Third National (Nimbus LLC) · Why the issuer matters
Supported cryptocurrencies
You can load the Exa Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- Pay now from USDC or split a purchase into up to nine fixed-rate instalments
The fine print
- Collateral earns yield in Exactly Protocol markets
- Passkey login
- Visa Signature benefits
- USD and EUR virtual accounts
- No card issuance fee
- No annual maintenance fee
- Banking rails: SEPA support
Cons
- Virtual only
The fine print
- 1.5% FX on non-USD purchases
- Not available in the EEA, UK or Canada
- Instalments are loans against collateral that can be liquidated
- Smart-contract risk on deposits held in Exactly Protocol
Regional availability
Available in several regions
Latin America, the Caribbean, parts of Asia-Pacific, Africa and the Middle East, and most US states including New York; not available in the EEA, UK or Canada.
Banking and fiat rails
Card overview
Exa, from Exactly Protocol, is the rare card where "credit" means an on-chain loan you configure yourself. Deposit USDC, ETH, wstETH, WBTC or OP on Optimism as collateral, then run the virtual Visa Signature in debit mode or split a purchase into up to nine fixed-rate instalments, while deposits keep earning. Issuance and annual fees are zero, and purchases in currencies other than USD cost 1.5%, built into the exchange rate. It is sold across Latin America, the Caribbean, parts of Asia-Pacific, Africa and the Middle East and most US states, but not in the EEA, the UK or Canada.
There is no physical card; cash comes only from contactless ATMs through Apple Pay or Google Pay. The drawbacks come from the design rather than the fine print: there is no cashback, interest accrues on anything borrowed, and your spending power lives inside collateral mechanics that move with the market. Built for people already comfortable on Optimism. If you just want a simple prepaid card, this is the wrong kind of clever.
Common questions about the Exa Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
