Deblock Card vs Exa Card (Uphold)
Crypto native
Crypto native
Verdict
- Exa Card (Uphold) scores higher overall (6.5 vs 5.6 out of 10).
- Deblock Card is clearly stronger on: Product features, Custody & security.
- 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.
Deblock Card is a good fit for
- Frequent travellers
Stronger on: Product features, Custody & security
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 | Deblock Card | Exa Card (Uphold) |
|---|---|---|
| Fees | 70 | 100 |
| Cashback & rewards | 3 | – |
| Availability | – | – |
| FX & international | 80 | – |
| Product features | 70 | 53 |
| Custody & security | 85 | 70 |
| Credit & financing | 30 | 60 |
| Limits & ATM | 82 | – |
| Transparency | 100 | 100 |
| Best for Cashback | 3.8 | n/a |
| Best for Travel | 6.8 | n/a |
| Best for DeFi Users | 5.7 | 6.8 |
| Best for High Spenders | 4.3 | n/a |
| Best for Low Fees | 7.9 | 8.0 |
| Best for Beginners | 6.8 | 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
VisaConditions apply: tap or hover for detailsShow source
Deblock is a direct VISA member
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
Custody model
HybridConditions apply: tap or hover for detailsShow source
Euros safeguarded by the e-money institution; digital assets self-custodied
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
Card issuer / program manager
Deblock SAS (electronic money institution licensed by the ACPR, CIB 17748)Show source
Third National; credit by Exactly ProtocolShow source
Tiers / plans
Standard · PremiumShow source
Fees
Annual fee
FreeShow source
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard; Premium 10 €/month
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
FX fee
0.5%Conditions apply: tap or hover for detailsShow source
Standard, weekdays, after €500/month free FX allowance; 1% on weekends; Premium 0% always
Crypto conversion fee
1.99%Conditions apply: tap or hover for detailsShow source
Standard buy/sell/swap fee; Premium 0.49%
ATM fee
1% (min. €1)Conditions apply: tap or hover for detailsShow source
Standard, after 1 free withdrawal or €100/month; Premium & Native after 5 free withdrawals or €1,000/month; ATM operators may add own surcharge
Free ATM allowance
€100/monthConditions apply: tap or hover for detailsShow source
Standard; Premium 1,000 €/month
Other fees & markups
Free currency exchange only up to 1,000 €/month on Standard (unlimited on Premium) · Crypto buy/sell/swap fee 1.99% on Standard (0.49% on Premium)Show source
Cashback & rewards
Base cashback
0%Conditions apply: tap or hover for detailsShow source
Standard plan; Premium up to 1%
Max cashback
1%Conditions apply: tap or hover for detailsShow source
Premium plan (10 €/month)
Credit & financing
Credit line
NoConditions apply: tap or hover for detailsShow source
No overdraft; may be considered in the future
YesShow source
Credit type
NoneShow source
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
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
YesShow source
NoShow source
Virtual card
YesConditions apply: tap or hover for detailsShow source
Standard: 1 virtual card; Premium: 10
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Any ATM on the VISA network, also abroad
Limits
ATM limit
€15,000Conditions apply: tap or hover for detailsShow source
Standard; Premium 30,000 €; period not stated
Security & custody
Regulation / licences
Crypto-Asset Service Provider (CASP) licensed by the AMF, no. A2025-001 · Electronic money institution licensed by the ACPR, CIB 17748Show source
Annual cost at 1,500 EUR/month
Deblock Card
- Annual & monthly fees+0 EUR
- FX costs−18 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+0 EUR
- Net annual value-18 EUR
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