Exa Card (Uphold) vs Morse Card
Crypto native
Crypto native
Verdict
- Exa Card (Uphold) and Morse Card have the same overall score (6.4/10).
- Exa Card (Uphold) is clearly stronger on: Product features.
- Morse Card is clearly stronger on: Availability, FX & international, Custody & security.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Exa Card (Uphold) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Product features
Morse Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: Availability, FX & international, Custody & security
★ 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 | Exa Card (Uphold) | Morse Card |
|---|---|---|
| Fees | 100 | – |
| Cashback & rewards | – | 34 |
| Availability | 50 | 100 |
| FX & international | 40 | 100 |
| Product features | 53 | 42 |
| Custody & security | 70 | 95 |
| Credit & financing | 60 | – |
| Limits & ATM | – | 20 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 5.2 |
| Best for Travel | 5.7 | 6.8 |
| Best for Self-Custody | n/a | 7.5 |
| Best for DeFi Users | 6.7 | 6.4 |
| Best for High Spenders | 6.0 | 5.0 |
| Best for Low Fees | 7.8 | 6.6 |
| Best for Beginners | 7.3 | 6.8 |
| Best Crypto Credit Card | 7.0 | n/a |
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
Crypto-backed creditShow source
Prepaid card, Debit cardShow source
Network
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
VisaShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
Self-custodyShow source
Card issuer / program manager
Third National; credit by Exactly ProtocolShow source
Lead Bank (issuer); Bridge Ventures LLC (program manager)Show source
Fees
Annual fee
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Purchases in a currency other than USD
0%Conditions apply: tap or hover for detailsShow source
Stated for transfers/exchange at the real exchange rate
Transfer fee
FreeConditions apply: tap or hover for detailsShow source
Sending money to other Morse users, any country or currency, is free; fees apply to e.g. direct bank/IBAN/Pix/CLABE/Bre-B sends to a country you do not live in
Other fees & markups
Origination fee may be charged when a loan is made; included in the interest paid on the installments of that loanShow source
Paying with Morse Card online and contactless is free · Some transactions include a small fee shown before sending; fee may apply per Cardholder AgreementShow source
Cashback & rewards
Base cashback
1%Conditions apply: tap or hover for detailsShow source
Currently only for Morse Card holders in Mexico and Colombia; users referred or with a promo code get 10% for first 30 days (up to 20 USD) then 1%
Cashback paid in
Morse BalanceShow source
Interest on balance
3%Conditions apply: tap or hover for detailsShow source
Earn Wallet; shown for US and Mexico
Max cashback per month
$100/monthConditions apply: tap or hover for detailsShow source
Per month; the 10% promo rate for referred/promotional users is capped at 20 USD in the first 30 days
Cashback conditions
Only available to certain users in Mexico and Colombia; must be a Morse Card holder living there · Cashback credited within 48 hours of the transaction settling · Residents of New York State are ineligible for Morse CardShow source
Reward exclusions
Gaming and in-app purchases · Gift cards · Betting and gambling · Casinos · Financial apps and services · Spending at Wompi, Bold, ePayco, Contreras Tech, OpenPay, Whop, PayPal, AstroPay, Airbnb, Global Co, Edupacks, and Lucid Trading · Canceled, reversed, refunded, charged back or disputed purchasesShow source
Credit & financing
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
Availability
Available in
AG, Argentina, Australia, BS, BD, BB, BZ, BO, Brazil, KY, Colombia, CR, CI, DM, DO, EC, EG, SV, GH, GD, GT, GY, HN, Indonesia, Japan, Kenya, Malaysia, Mexico, MA, New Zealand, PK, PA, PY, Peru, Philippines, KN, LC, VC, SN, Singapore, SR, Thailand, TT, TC, United Arab Emirates, UG, UY, ZMConditions apply: tap or hover for detailsShow source
Residents of listed countries; also certain US states; Nigeria, South Africa and Sri Lanka only subject to approval (not included)
GlobalConditions apply: tap or hover for detailsShow source
150+ countries
Not available in
BY, CN, CU, India, IR, IQ, Israel, MM, NP, NI, KP, RU, SY, Turkey, Ukraine, VE, VietnamConditions apply: tap or hover for detailsShow source
Card cannot be issued to residents; China listed as Mainland
Account / spend currencies
USDConditions apply: tap or hover for detailsShow source
Card currency
USD · EUR · MXN · BRLConditions apply: tap or hover for detailsShow source
Account details for receiving
Own IBAN / bank details
YesConditions apply: tap or hover for detailsShow source
Account details for receiving payments
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoShow source
NoConditions apply: tap or hover for detailsShow source
Fully virtual for now; physical card coming soon
Virtual card
YesShow source
YesShow source
ATM withdrawals
NoConditions apply: tap or hover for detailsShow source
ATM withdrawals coming soon
Spendable assets
BTC · ETH · USDC · USDTConditions apply: tap or hover for detailsShow source
Crypto wallet deposits; spending from Morse balance
Blockchains
SolanaConditions apply: tap or hover for detailsShow source
Free deposits/withdrawals of USDC, USDG or EURC via Solana
Security & custody
Regulation / licences
US Money Services Business (Avian Labs) · MiCA CASP authorised by AFM Netherlands (registration 41000005) · NMLS ID 2639252 (Avian Labs USA, Inc.)Conditions apply: tap or hover for detailsShow source
Applies to Avian Labs, the platform provider
Annual cost at 1,500 EUR/month
Exa Card (Uphold)
- Annual & monthly fees+0 EUR
- FX costs−54 EUR
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Morse Card
- Annual & monthly feesunknown
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+180 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers