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Bitstack Card vs Exa Card (Uphold)

Bitstack Card

Crypto enabled

5.5
Exa Card (Uphold)

Crypto native

6.5

Verdict

  • Exa Card (Uphold) scores higher overall (6.5 vs 5.5 out of 10).
  • Bitstack Card is clearly stronger on: Product features.
  • 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.

Bitstack Card is a good fit for

  • No specific audience can be derived from the published data yet.

Stronger on: Product features

Exa Card (Uphold) is a good fit for

  • Users who need credit rather than a debit/prepaid card

Stronger on: 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

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBitstack CardExa Card (Uphold)
Fees97100
Cashback & rewards22–
Availability3–
FX & international––
Product features7053
Custody & security7570
Credit & financing3060
Limits & ATM84–
Transparency100100
Best for Cashback4.5n/a
Best for Travel5.9n/a
Best for DeFi Usersn/a6.8
Best for High Spenders5.1n/a
Best for Low Fees8.48.0
Best for Beginners6.77.3
Best Crypto Credit Cardn/a7.0
Best E-Money Card7.0n/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

Debit cardConditions apply: tap or hover for detailsShow source

Card linked to the euro cash account

Crypto-backed creditShow source

Network

VisaShow source
VisaConditions apply: tap or hover for detailsShow source

Visa Signature

Custody model

CustodialConditions apply: tap or hover for detailsShow source

Card spends euros; Bitcoin held by Bitstack, free withdrawal to an external wallet

HybridConditions apply: tap or hover for detailsShow source

Collateral leaves Uphold and is held in Exactly Protocol smart contracts

Card issuer / program manager

Bitstack Digital Assets SAS, agent of the e-money institution Xpollens (ACPR)Show source
Third National; credit by Exactly ProtocolShow source

Tiers / plans

Standard · PlusShow source
No data yet

Fees

Annual fee

No data yet
FreeShow source

Monthly fee

FreeConditions apply: tap or hover for detailsShow source

Standard; Plus €2.99/month or €29.99/year

No data yet

Physical card fee

€9.99Conditions apply: tap or hover for detailsShow source

Standard, plus delivery; Plus: free delivery, annual Plus: free

No data yet

Virtual card fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Created automatically with the Instant Credit account

ATM fee

1%Conditions apply: tap or hover for detailsShow source

Free up to €200/month or 5 withdrawals, then €1 or 1% per withdrawal

No data yet

Free ATM allowance

€200/monthConditions apply: tap or hover for detailsShow source

Or 5 withdrawals per month

No data yet

Other fees & markups

Bitcoin purchase fee 1–1.5% (Standard) or 0.75% (Plus)Show source
No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Up to; Standard plan, eligibility conditions and caps apply

No data yet

Max cashback

1.5%Conditions apply: tap or hover for detailsShow source

Up to; Plus plan (€2.99/month)

No data yet

Cashback paid in

BTCShow source
No data yet

Cashback type

CryptoShow source
No data yet

Cashback conditions

Eligibility conditions and caps apply · Card payments are also rounded up to the next euro and the difference is bought in Bitcoin without feesShow source
No data yet

Credit & financing

Credit line

NoShow source
YesShow source

Credit type

No data yet
InstalmentsConditions apply: tap or hover for detailsShow source

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

Collateral assets

No data yet
BTC · ETH · USDC · XRPShow source

Interest notes

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

Liquidation risk

No data yet
YesConditions apply: tap or hover for detailsShow source

Spending limit depends on collateral value and health score

Spend by borrowing against collateral

No data yet
YesShow source

Availability

Available in

FranceShow source
No data yet

Account / spend currencies

EURShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

French IBAN

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
NoShow source

Virtual card

No data yet
YesShow source

ATM withdrawals

YesShow source
No data yet

Limits

Spending limit

€1,000Conditions apply: tap or hover for detailsShow source

Per month for international payments on Standard; €3,000 on Plus

No data yet

Security & custody

Regulation / licences

CASP licence from the AMF, no. A2025-003 · Agent (no. 747088) of Xpollens, e-money institution licensed by the ACPRShow source
No data yet

Annual cost at 1,500 EUR/month

Bitstack Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costs+0 EUR
  • Cashback+180 EUR
  • Net annual valuenot enough data

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