Coinbase Card vs Exa Card (Uphold)
Crypto native
Crypto native
Verdict
- Exa Card (Uphold) scores higher overall (6.5 vs 5.9 out of 10).
- Coinbase Card is clearly stronger on: Product features.
- Exa Card (Uphold) is clearly stronger on: Credit & financing.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Coinbase Card is a good fit for
- Stablecoin holders
Stronger on: Product features
Exa Card (Uphold) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: 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 | Coinbase Card | Exa Card (Uphold) |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | 3 | – |
| FX & international | – | – |
| Product features | 70 | 53 |
| Custody & security | 75 | 70 |
| Credit & financing | 30 | 60 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for DeFi Users | 6.7 | 6.8 |
| Best for Stablecoins | 7.3 | n/a |
| Best for Low Fees | 8.0 | 8.0 |
| Best for Beginners | 7.1 | 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
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
Card issuer / program manager
Pathward, N.A. (program powered by Marqeta)Show source
Third National; credit by Exactly ProtocolShow source
Fees
Annual fee
FreeShow source
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
Funding from a linked bank account or paycheck deposit; a spread applies when crypto is sold
Other fees & markups
Coinbase charges a spread when buying, selling or converting cryptoShow source
Cashback & rewards
Cashback type
CryptoShow source
Cashback conditions
Rewards are optional and the rate is variable · Rewards only for US card usersShow 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 own balance directly
YesShow source
Spend by borrowing against collateral
YesShow source
Availability
Available in
United StatesConditions apply: tap or hover for detailsShow source
Excluding Hawaii
Features
Apple Pay
YesShow source
Google Pay
YesShow source
Physical card
YesShow source
NoShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
YesConditions apply: tap or hover for detailsShow source
USDC
Security & custody
Regulation / licences
Issued by Pathward, N.A., Member FDIC, under a license from Visa U.S.A. Inc.Show source
Annual cost at 1,500 EUR/month
Coinbase Card
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- 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