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Exa Card (Uphold) vs MPCVault Card

Exa Card (Uphold)

Crypto native

6.5
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MPCVault Card

Crypto native

6.6
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Verdict

  • MPCVault Card scores higher overall (6.6 vs 6.5 out of 10).
  • MPCVault Card is clearly stronger on: Product features, Custody & security, Credit & financing.
  • 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

MPCVault Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Product features, Custody & security, Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

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
Get the card
Review & sourcesExa Card (Uphold) vs ether.fi CashMPCVault Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionExa Card (Uphold)MPCVault Card
Fees100100
Cashback & rewards––
Availability––
FX & international–20
Product features5370
Custody & security7085
Credit & financing6075
Limits & ATM––
Transparency100100
Best for Traveln/a5.1
Best for Self-Custodyn/a7.5
Best for DeFi Users6.87.5
Best for Stablecoinsn/a6.9
Best for High Spendersn/a5.9
Best for Low Fees8.07.2
Best for Beginners7.37.8
Best Crypto Credit Card7.07.8

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
Crypto-backed creditConditions apply: tap or hover for detailsShow source

Credit card secured by digital-asset collateral in smart contracts

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
Third NationalShow 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

$1Conditions apply: tap or hover for detailsShow source

per card

FX fee

No data yet
2%Conditions apply: tap or hover for detailsShow source

International Transaction fee 1.5%-2%

Other fees & markups

No data yet
KYB fee $10 USD per instance · Crypto deposit processing and gas fee: 3 U plus 0.5% of deposit · Transaction disputes fee $35 USD per chargeback case · Late payment: 2% of outstanding balance · Copying fee $10 per documentShow source

Credit & financing

Credit line

YesShow source
YesConditions apply: tap or hover for detailsShow source

collateralised by digital assets

Credit type

InstalmentsConditions apply: tap or hover for detailsShow source

One payment or up to 8 fixed-rate installments every 28 days

Crypto-backed creditShow source

Collateral assets

BTC · ETH · USDC · XRPShow source
No data yet

Interest (APR)

No data yet
0%Show source

Interest notes

Fixed APR per payment option, confirmed at purchaseShow source
No data yet

Grace period

No data yet
Payment due 21 days after close of each billing cycleShow source

Liquidation risk

YesConditions apply: tap or hover for detailsShow source

Spending limit depends on collateral value and health score

YesShow source

Spend by borrowing against collateral

YesShow source
No data yet

Availability

Account / spend currencies

No data yet
USDCShow source

Features

Apple Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

via Digital Wallet, if supported

Google Pay

YesShow source
YesConditions apply: tap or hover for detailsShow source

via Digital Wallet, if supported

Physical card

NoShow source
YesShow source

Virtual card

YesShow source
No data yet

Spend stablecoins

No data yet
YesShow source

Blockchains

No data yet
Ethereum · Polygon · Optimism · Arbitrum · SolanaConditions apply: tap or hover for detailsShow source

Supported Blockchains for collateral

Security & custody

Regulation / licences

No data yet
NMLS# 2357870 · FinCEN ID 31000213664980Show source

Smart-contract risk

No data yet
YesShow source

Annual cost at 1,500 EUR/month

Exa Card (Uphold)

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashbackunknown
  • Net annual valuenot enough data

MPCVault Card

  • Annual & monthly fees+0 EUR
  • FX costs−72 EUR
  • 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

More Exa Card (Uphold) comparisons

More MPCVault Card comparisons