Bitwala Card vs Exa Card (Uphold)
Crypto native
Crypto native
Verdict
- Bitwala Card scores higher overall (7.0 vs 6.5 out of 10).
- Exa Card (Uphold) is clearly stronger on: Fees, Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Bitwala Card is a good fit for
- Stablecoin holders
Exa Card (Uphold) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Fees, Credit & financing
★ Our pickEditorial choice · score unchanged · Affiliate link
Neither card is our pick. The card we recommend instead:
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.
Score by criterion
| Criterion | Bitwala Card | Exa Card (Uphold) |
|---|---|---|
| Fees | 88 | 100 |
| Cashback & rewards | – | – |
| Availability | 100 | – |
| FX & international | – | – |
| Product features | 58 | 53 |
| Custody & security | 70 | 70 |
| Credit & financing | 30 | 60 |
| Limits & ATM | 60 | – |
| Transparency | 100 | 100 |
| Best for Travel | 6.6 | n/a |
| Best for DeFi Users | 6.2 | 6.8 |
| Best for Stablecoins | 6.8 | n/a |
| Best for Low Fees | 7.6 | 8.0 |
| Best for Beginners | 7.9 | 7.3 |
| Best Crypto Credit Card | n/a | 7.0 |
Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.
Product
Product status
ActiveShow source
ActiveShow source
Card type
Debit cardShow source
Crypto-backed creditShow source
Network
VisaShow source
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
Custody model
HybridConditions apply: tap or hover for detailsShow source
Self-custodial crypto wallet; euros held in the Bitwala account
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
Fees
Annual fee
FreeShow source
Monthly fee
FreeShow source
Physical card fee
€9.99Conditions apply: tap or hover for detailsShow source
Plus shipping
Virtual card fee
€0.99Show source
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
Crypto conversion fee
1%Conditions apply: tap or hover for detailsShow source
Plus €0.20 per crypto payment; euro payments free
ATM fee
€2 + 1%Show source
Other fees & markups
Crypto payments €0.20 + 1% per transactionShow source
Credit & financing
Credit line
NoShow source
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
Availability
Available in
EEAShow source
Features
Apple Pay
NoConditions apply: tap or hover for detailsShow source
Only via Curve
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
NoShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesShow source
Spendable assets
BTC · ETH · USDC · EURShow source
Annual cost at 1,500 EUR/month
Bitwala Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costs−36 EUR
- Cashbackunknown
- Net annual valuenot enough data
Exa Card (Uphold)
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers