Exa Card (Uphold) vs Picnic Card
Crypto native
Crypto native
Verdict
- Picnic Card scores higher overall (6.5 vs 6.4 out of 10).
- Exa Card (Uphold) is clearly stronger on: Availability.
- Picnic Card is clearly stronger on: FX & international, Product features, 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: Availability
Picnic Card is a good fit for
- People who want to keep control of their keys
- Frequent travellers
Stronger on: FX & international, Product features, 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) | Picnic Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | – |
| Availability | 50 | 3 |
| FX & international | 40 | 88 |
| Product features | 53 | 70 |
| Custody & security | 70 | 80 |
| Credit & financing | 60 | – |
| Limits & ATM | – | 64 |
| Transparency | 100 | 100 |
| Best for Cashback | n/a | 6.0 |
| Best for Travel | 5.7 | 7.3 |
| Best for Self-Custody | n/a | 7.9 |
| Best for DeFi Users | 6.7 | 7.3 |
| Best for High Spenders | 6.0 | 6.8 |
| Best for Low Fees | 7.8 | 9.2 |
| Best for Beginners | 7.3 | 7.1 |
| 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
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
Gnosis PayShow 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
FreeShow source
FX fee
1.5%Conditions apply: tap or hover for detailsShow source
Purchases in a currency other than USD
0.3%Conditions apply: tap or hover for detailsShow source
Purchases in currencies other than USD; approximate Visa conversion; Picnic fee itself 0%
ATM fee
2%Conditions apply: tap or hover for detailsShow source
Per withdrawal beyond the monthly allowance; local ATM operator may charge its own fee
Free ATM allowance
$200/monthConditions apply: tap or hover for detailsShow source
Up to 5 withdrawals or US$ 200 per month, whichever comes first
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
Pix top-up and Pix withdrawal: 0% Picnic fee, but 0.3% to 0.5% versus the on-chain rateShow 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)
BrazilShow source
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
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
YesShow source
Physical card
NoShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesConditions apply: tap or hover for detailsShow source
Physical card
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
Picnic Card
- Annual & monthly fees+0 EUR
- FX costs−11 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashbackunknown
- Net annual valuenot enough data
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers