Exa Card (Uphold)
Virtual Visa Signature credit card in the Uphold app: BTC, ETH, USDC or XRP deposited into 'Instant Credit' move to the DeFi lending protocol Exactly and serve as collateral; purchases are repaid in one or up to eight fixed-rate installments. Issued by Third National, no annual fee.
Base cashback
Max cashback
Base fee
FreeShow source
FX fee
ATM fee
Card fee
FreeConditions apply: tap or hover for detailsShow source
Credit line
YesShow source
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- Apple Pay and Google Pay
- Spend by borrowing against crypto instead of selling
Cons
- No physical card
- Collateral can be liquidated if prices fall
Good for
- Users who need credit rather than a debit/prepaid card
Not for
Not enough data to say.
Risks to understand
- Borrowing against crypto: falling collateral prices can trigger liquidation, and interest rates can change.
★ Our pickEditorial choice · score unchanged · Affiliate link
The card we recommend as an alternative to Exa Card (Uphold):
Crypto native · ether.fi
Why we recommend it
- 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
- 5.35% variable interest on your balanceConditions apply
- No annual or monthly fee on the base tierConditions apply
- Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
- Self-custody: funds stay in your own walletConditions apply
Conditions apply; the review lists them with sources.
All details
Fees2/15
- Annual fee
FreeShow source
- Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
Not yet researched: Monthly fee, Physical card fee, Replacement fee, FX fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, ATM fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards0/14
No cashback & rewards data published or researched yet.
Credit & financing6/11
- Credit line
YesShow source
- Credit type
InstalmentsConditions apply: tap or hover for detailsShow source
One payment or up to 8 fixed-rate installments every 28 days
- Collateral assets
BTC · ETH · USDC · XRPShow source
- Interest notes
Fixed APR per payment option, confirmed at purchaseShow source
- Liquidation risk
YesConditions apply: tap or hover for detailsShow source
Spending limit depends on collateral value and health score
- Spend by borrowing against collateral
YesShow source
Not yet researched: Max loan-to-value, Interest (APR), Grace period, Repayment, Spend own balance directly.
Supported countries & currencies0/4
No availability data published or researched yet.
Features, wallets & supported assets4/11
- Apple Pay
YesShow source
- Google Pay
YesShow source
- Physical card
NoShow source
- Virtual card
YesShow source
Not yet researched: ATM withdrawals, Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody0/3
No security & custody data published or researched yet.
Limits0/2
No limits data published or researched yet.
Product5/7
- Product status
ActiveShow source
- Card type
Crypto-backed creditShow source
- Network
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
- Custody model
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
- Card issuer / program manager
Third National; credit by Exactly ProtocolShow source
Not yet researched: Launch date, Tiers / plans.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards | 20% | No data — excluded |
Availability | 15% | No data — excluded |
FX & international | 10% | No data — excluded |
Product features 3 of 4 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 53 |
Custody & security Custody model: hybrid | 10% | 70 |
Credit & financing Credit line available · Collateral can be liquidated (−10) | 5% | 60 |
Limits & ATM | 5% | No data — excluded |
Transparency 4 of 4 checked key terms disclosed | 5% | 100 |
Data coverage 50%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Exa Card (Uphold) have an annual or monthly fee?
Base tier: Free. Source: The Exa Credit Card — Uphold.
Is Exa Card (Uphold) a credit card?
Yes — Instalments (One payment or up to 8 fixed-rate installments every 28 days).
Is Exa Card (Uphold) self-custodial?
Hybrid (Collateral leaves Uphold and is held in Exactly Protocol smart contracts).
Does Exa Card (Uphold) work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history17 entries
- Product status recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Custody model recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Annual fee recorded · 22 October 2026 · auto-approved
- Virtual card fee recorded · 22 October 2026 · auto-approved
- Credit line recorded · 22 October 2026 · auto-approved
- Credit type recorded · 22 October 2026 · auto-approved
- Collateral assets recorded · 22 October 2026 · auto-approved
- Interest notes recorded · 22 October 2026 · auto-approved
- Spend by borrowing against collateral recorded · 22 October 2026 · auto-approved
- Liquidation risk recorded · 22 October 2026 · auto-approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- Apple Pay recorded · 22 October 2026 · auto-approved
- Google Pay recorded · 22 October 2026 · auto-approved