Exa Card (Uphold) vs Wirex Card
Crypto native
Crypto native
Verdict
- Exa Card (Uphold) scores higher overall (6.5 vs 6.4 out of 10).
- Exa Card (Uphold) is clearly stronger on: Credit & financing.
- Wirex Card is clearly stronger on: Product features.
- 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
Wirex Card is a good fit for
- Stablecoin holders
- Frequent travellers
Stronger on: Product features
★ 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) | Wirex Card |
|---|---|---|
| Fees | 100 | 100 |
| Cashback & rewards | – | 26 |
| Availability | – | – |
| FX & international | – | 100 |
| Product features | 53 | 70 |
| Custody & security | 70 | – |
| Credit & financing | 60 | 30 |
| Limits & ATM | – | 64 |
| Transparency | 100 | 93 |
| Best for Cashback | n/a | 5.2 |
| Best for Travel | n/a | 7.9 |
| Best for DeFi Users | 6.8 | 5.6 |
| Best for Stablecoins | n/a | 7.4 |
| Best for High Spenders | n/a | 5.8 |
| Best for Low Fees | 8.0 | 9.4 |
| 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
Visa / MastercardConditions apply: tap or hover for detailsShow source
Visa or Mastercard depending on region
Custody model
HybridConditions apply: tap or hover for detailsShow source
Collateral leaves Uphold and is held in Exactly Protocol smart contracts
Card issuer / program manager
Third National; credit by Exactly ProtocolShow source
Tiers / plans
Standard · Premium · EliteConditions apply: tap or hover for detailsShow source
Each plan has Entry tier plus WXT-lock boost tiers (Enhanced/Ultimate)
Fees
Annual fee
FreeShow source
FreeConditions apply: tap or hover for detailsShow source
No annual card fee; paid X-tras plans are billed monthly
Monthly fee
FreeConditions apply: tap or hover for detailsShow source
Standard plan free; Premium €9.99/month or €102/year; Elite €29.99/month or €306/year
Physical card fee
FreeConditions apply: tap or hover for detailsShow source
Card issuance free in all regions; delivery fee separate (EEA: 5 EUR untracked, 15 EUR DHL Express)
Virtual card fee
FreeConditions apply: tap or hover for detailsShow source
Created automatically with the Instant Credit account
FX fee
0%Conditions apply: tap or hover for detailsShow source
As stated on this help article
Top-up fee
FreeConditions apply: tap or hover for detailsShow source
SEPA (EUR) bank transfer deposit free; local card funding 0% or more depending on currency/country
ATM fee
2%Conditions apply: tap or hover for detailsShow source
EEA: after 200 EUR free monthly
Free ATM allowance
€200/monthConditions apply: tap or hover for detailsShow source
EEA, per month
Other fees & markups
Card delivery fee in EEA: 5 EUR (DHL WorldMail, untracked) or 15 EUR (DHL Express) · Crypto transfers to external wallets: variable network-based fees · Local card top-up: 0% or more depending on currency and country · One-off GBP 30 administrative fee on account closure for Terms of Service violationsShow source
Cashback & rewards
Base cashback
0.5%Conditions apply: tap or hover for detailsShow source
Standard plan, Entry tier
Max cashback
8%Conditions apply: tap or hover for detailsShow source
Elite plan (€29.99/month) at the Ultimate WXT-lock tier
Cashback paid in
WXTShow source
Cashback type
CryptoConditions apply: tap or hover for detailsShow source
Cryptoback rewards program
Cashback conditions
Standard Enhanced 1%: lock 150,000 WXT for 180 days · Premium (€9.99/month): 1% Entry, 2% with 250,000 WXT, 3% with 750,000 WXT locked · Elite (€29.99/month): 4% Entry, 6% with 1,500,000 WXT, 8% with 7,500,000 WXT lockedShow source
Staking / holding required for top rewards
YesConditions apply: tap or hover for detailsShow source
Higher tiers require locking WXT for 180 days (e.g. 150,000 WXT for Standard Enhanced)
Staking asset
WXTShow source
Reward exclusions
Cash withdrawals · TransfersShow source
Credit & financing
Credit line
YesShow source
NoConditions apply: tap or hover for detailsShow source
debit card
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
Features
Apple Pay
YesShow source
YesShow source
Google Pay
YesShow source
Physical card
NoShow source
YesShow source
Virtual card
YesShow source
YesShow source
ATM withdrawals
YesShow source
Spend stablecoins
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
Wirex Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs+0 EUR
- Cashback+90 EUR
- Net annual value90 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers