Exodus Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | Not published for the Exodus Card in Exodus Pay; non-USD purchases convert from USD at the card network and processor rate |
| ATM limit | Not supported |
| Spending limit | $9,500 per day globally; $15,000 per day in the United States |
Fees change; the current ones are in Exodus’s terms.
Features
- Welcome bonus: $5 bonus + points
- Cashback: 1 point per $1 spent
The fine print
- Under Exodus Rewards, which is available to select users and expanding: 1 point per $1 on eligible Exodus Card purchases and 1 point per $100 of Cash held per day
- Points are redeemed for Cash at a minimum of 10,000 points, or 4,000 in Argentina, Brazil, Colombia, Mexico and Uruguay, with a monthly redemption limit
- The cash value of a point is not published
- Network: Visa in the US; Mastercard outside the US
- KYC: Yes
- Card type: Virtual only; no physical card and no ATM withdrawals
- Top up with: Exodus Pay Cash balance of XO Cash, USDC and USDT on Solana, funded by USDC or USDT deposits converted to XO, by debit…
Full list
… card or Apple Pay, or by swapping other crypto to XO in the Exodus wallet
- Available countries: Andorra, Argentina, Austria, Belgium, Bosnia and Herzegovina, Brazil, Bulgaria, Canada, Colombia, Croatia, Cyprus…
Full list
… 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 excluding Vermont, Uruguay
Who issues the Exodus Card
The Exodus Card has a different issuer depending on where you sign up. Each one is listed below with its own source.
Exodus Card does not name its issuer outright, and on the documents we could reach, the sponsor appears to be Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania), inferred from the program manager and not stated by the issuer itself.
All cards issued by Monavate Limited + UAB Monavate · Why the issuer matters
The Exodus Card is issued by Lead Bank, USA (Missouri state-chartered); program managers Bridge and Stripe. The issuer is named in the source linked below. This covers the US card: Bridge's cardholder agreement for it names Lead Bank as issuer and Bridge Ventures LLC as program manager.
Primary source · All cards issued by Lead Bank · Why the issuer matters
Supported cryptocurrencies
You can load the Exodus Card with crypto; the 2 assets we track for it are listed below.
Pros and cons
Pros
- Self-custodial Exodus Pay balance
The fine print
- Free virtual card with Apple Pay and Google Pay
- Published points rate of 1 per $1 spent and 1 per $100 held per day under Exodus Rewards
- $9,500 daily purchase limit outside the US
- No card issuance fee
- No annual maintenance fee
- Welcome bonus: $5 bonus + points
- Multi-chain top-up across 5+ networks
Cons
- Virtual only, with no ATM access and no PIN
The fine print
- Each purchase must be covered by a single one of USDT, USDC or XO
- Cash value of points not published
- FX cost not published
- Not available in the United Kingdom
- Exodus Rewards only available to select users so far
- No IBAN or bank-account features
Regional availability
Available in Europe + USA
Canada, most of the EEA, Switzerland, Bosnia and Herzegovina, Gibraltar, the Isle of Man and Jersey, Argentina, Brazil, Colombia, Guatemala, Mexico, Uruguay, Niger and the United States except Vermont; not available in the United Kingdom.
Banking and fiat rails
Card overview
The Exodus Card is the free virtual card inside Exodus Pay, which launched on 9 April 2026 in select US states. Exodus now publishes a points rate under Exodus Rewards, which is available to select users so far: 1 point per $1 on eligible card purchases and 1 point per $100 of Cash held per day, redeemed for Cash from 10,000 points, or 4,000 in Argentina, Brazil, Colombia, Mexico and Uruguay, with a monthly redemption limit. What it still does not publish is the cash value of a point or an FX rate. There is no physical card, no PIN and no ATM access.
Custody is the reason to pick it. The Exodus Pay balance is self-custodial, and the card spends your Cash balance of XO Cash, USDC and USDT on Solana; each purchase must be covered by one of the three on its own. You fund it with USDC or USDT, a debit card, Apple Pay or other crypto swapped in the wallet. It is a Visa in the US and a Mastercard elsewhere, with Apple Pay and Google Pay.
The help centre, updated 10 October 2026, lists 42 supported countries: the United States except Vermont, Canada, most of the EEA, Switzerland, Bosnia and Herzegovina, Gibraltar, the Isle of Man, Jersey, Argentina, Brazil, Colombia, Guatemala, Mexico, Uruguay and Niger, but not the UK. Exodus pays a $5 account setup reward in supported regions, as XO Cash or reward points.
Exodus also owns part of the card stack now. On 1 May 2026 it acquired Monavate Holdings Limited and Baanx.com Ltd from receivers it had appointed in the UK after W3C failed to repay its loans, for about $76.3 million, discharged by netting off those loans. Baanx runs the Ledger card, so Exodus now owns part of the rails of a wallet it competes with.
- Best fit
- Exodus users in the US, Canada, Europe or Latin America who want to spend a stablecoin balance self-custodially, over a headline reward rate
- Wrong card if
- you are applying from the UK, need a physical card or cash, or want a reward you can price in cash, because the value of a point is not published
Common questions about the Exodus 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.
