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Exa Card vs Kraken Card

How Exa Card vs Kraken Card compare on our ratings, crypto card specs, funding, pros and cons.

Exa Card3.3/5
VS
Kraken Card3.8/5
Feature
Exa CardVisit
Kraken CardVisit
Ratings
Our score3.3/53.8/5
User ratingNo reviews yetNo reviews yet
Fees3.54.5
Rewards & cashback2.54.0
Availability3.53.0
App & experience4.04.0
Trust & security3.03.5
Fees & features
Card typeCreditDebit
Card networkVisaMastercard
Card formatVirtualVirtual
CustodySelf-custodialCustodial
Max cashbackNot disclosed2%
Rewards paid inNot disclosedBTC or EUR
Staking needed for top rewardsNot disclosed No
Welcome bonus$20 in XRP after spending $100, valid October 6–20, 2026, for a fixed cohort of 3,000 invited U.S. Uphold usersNew cardholders receive Max tier for 30 days, with 2% cashback.
Card issuance feeFreeFree
Monthly feeNot disclosedFree
Annual feeNot disclosedFree
Foreign exchange fee1.5%0%
Crypto conversion spreadNot disclosedVariable spread applies when spending across assets
ATM withdrawals$1.00 plus 0.65% per withdrawal; some ATMs may add their own feeNo ATM withdrawal fee from Kraken; third-party ATM fees may apply
ATM withdrawal limit$250 per withdrawal, maximum 4 withdrawals per dayNot disclosed
Available inGlobalEurope (EEA), United Kingdom, United States
Spendable assetsUSDC600+ cryptocurrencies, Cash
Top-up networksOptimism, Ethereum, Base, Arbitrum, Polygon, BNB Smart ChainNot disclosed
Card currenciesUSDEUR
Spend stablecoins YesNot disclosed
Apple PayNot disclosed Yes
Google PayNot disclosed Yes
Good forEveryday spending, Travel, Online shoppingEveryday spending, Travel, Online shopping, Subscriptions & AI tools
PerksVisa VIP Airport Lounge access, Car rental insurance, Restaurant discounts, Visa Digital Concierge, Visa Travel KitUp to 2% cashback, Up to 6% travel cashback, Instant card lock, Real-time notifications
Card issuerLicensed third partiesUAB Monavate
Virtual card feeFreeFree
Company
Founded—2011
Headquarters—United States
InvestorsNot disclosedDRW Venture Capital, Hong Shan, Jane Street, Oppenheimer Alternative Investment Management +2
Strengths and weaknesses
Pros
  • Free card issuance with an Exa Wallet
  • Non-custodial smart contracts back spending and borrowing
  • Supports deposits across six EVM networks
  • Offers up to nine fixed-rate installments
  • Up to 2% cashback in BTC or EUR
  • No Kraken transaction or foreign-exchange fees
  • No Kraken ATM withdrawal fees
  • Supports 600+ currencies
Cons
  • Non-USD transactions carry a 1.5% foreign exchange fee
  • ATM withdrawals cost $1 plus 0.65%
  • Installment borrowing may include interest and an origination fee
  • Licensed third parties issue the card
  • Custodial card and account structure
  • Variable spreads may apply when converting between assets at checkout
  • Third-party ATM fees may apply
  • Availability varies by location
Best forUSDC everyday spending, Stablecoin-backed installments, Multichain crypto holdersEveryday crypto spending, Krak app users, Cardholders spending multiple assets

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