Exa Card (Uphold) vs OKX Card (EEA)
Crypto native
Crypto native
Verdict
- OKX Card (EEA) scores higher overall (7.9 vs 6.5 out of 10).
- 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.
Exa Card (Uphold) is a good fit for
- Users who need credit rather than a debit/prepaid card
Stronger on: Credit & financing
OKX Card (EEA) is a good fit for
- Stablecoin holders
- Everyday spenders who want cashback
- Frequent travellers
★ 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) | OKX Card (EEA) |
|---|---|---|
| Fees | 100 | 99 |
| Cashback & rewards | – | 65 |
| Availability | – | 93 |
| FX & international | – | 100 |
| Product features | 53 | 56 |
| Custody & security | 70 | 75 |
| Credit & financing | 60 | 30 |
| Limits & ATM | – | – |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 7.6 |
| Best for Travel | n/a | 8.4 |
| Best for DeFi Users | 6.8 | 7.0 |
| Best for Stablecoins | n/a | 8.5 |
| Best for High Spenders | n/a | 7.2 |
| Best for Low Fees | 8.0 | 9.2 |
| Best for Beginners | 7.3 | 8.2 |
| 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
Stablecoin cardShow source
Network
VisaConditions apply: tap or hover for detailsShow source
Visa Signature
MastercardShow source
Custody model
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
CustodialConditions apply: tap or hover for detailsShow source
The provider holds the funds
Launch date
2026-01-28Show source
Card issuer / program manager
Third National; credit by Exactly ProtocolShow source
UAB Monavate (issuer); OKX Europe Limited (program manager)Show source
Fees
Annual fee
FreeShow source
FreeShow source
Monthly fee
FreeShow source
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
FreeShow source
FX fee
0%Conditions apply: tap or hover for detailsShow source
No added OKX FX fee
Crypto conversion fee
0.1%Conditions apply: tap or hover for detailsShow source
Market spread converting stablecoins to EUR
Cashback & rewards
Base cashback
2%Conditions apply: tap or hover for detailsShow source
Non-VIP, USDG-funded purchases, capped at €10/month; promotional cashback during the initial launch period
Max cashback
10%Conditions apply: tap or hover for detailsShow source
VIP 4+ on OKX, capped at €1,000/month
Cashback paid in
USDGShow source
Cashback type
StablecoinShow source
Max cashback per month
€1,000/monthConditions apply: tap or hover for detailsShow source
Highest cap (VIP 3 and above); regular users EUR 10, VIP1 EUR 300, VIP2 EUR 450
Cashback conditions
Only purchases where USDG is the active payment currency · Rate and monthly cap depend on OKX VIP levelShow source
Staking / holding required for top rewards
NoConditions apply: tap or hover for detailsShow source
Cashback level depends on OKX VIP level instead
Reward exclusions
USDC payments earn no cashbackShow source
Credit & financing
Credit line
YesShow source
NoShow 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
European Union, NorwayShow source
Not available in
Iceland, LiechtensteinShow source
Account / spend currencies
EURShow source
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
Currently virtual-only
Virtual card
YesShow source
YesShow source
Spend stablecoins
YesShow source
Spendable assets
USDC · USDGShow source
Security & custody
Regulation / licences
OKX licensed under MiCA (card itself not a MiCA-licensed product)Show source
Deposit protection
NoShow 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
OKX Card (EEA)
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costsunknown
- Cashback+360 EUR
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers