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Updated for August 2026

Crypto.com vs Exa

Two no-fee crypto cards, head to head. Here’s how they stack up.

Crypto.com#1
VisaPrepaid
•••• ••••
Cashback
5%
Monthly fee
None
Our score
2.2
Get Crypto.com
Exa#2
VisaCredit
•••• ••••
Cashback
None
Monthly fee
None
Our score
1.9
Get Exa

The bottom line

Choose Crypto.com if…

you want the highest cashback in this matchup — earn 5% back on everyday spend.

5% cashbackNo monthly fee2.2★ rating

Choose Exa if…

you want a no-fee credit card with solid everyday value.

None cashbackNo monthly fee1.9★ rating
3 differences below
FeesRewardsPros & cons
See the full breakdown
Crypto.com logoCrypto.com Obsidian
vs.EExa Card

All about Crypto.com Obsidian

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Get Crypto.com Obsidian

Exa Card

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Get Exa Card

Main perks

Monthly feeNone
Cashback5%
FX fee0%
SavingsNone
ATM feeFree to €1,000/mo, then 2%
Currencies1
Supported countries29
Monthly feeNone
CashbackNone
FX fee1.50%
SavingsVariable
ATM fee—
Currencies5
Supported countries—
—

Bonus offers

No current bonus offer.

No current bonus offer.

—

Rewards

Everyday spending5%
Monthly rewards capNone
Travel spending15% (coming soon)
Free ATM withdrawals€1,000/mo
Subscription rebatesPermanent
Pay now or in installments
Yield on deposited collateral
Visa Signature benefits
Non-USD transactions1.5% FX fee
Cashback
—

Pros

  • 5% back in CRO with no monthly cap
  • Permanent Spotify, Netflix and Truth+ rebates
  • Lounge access with a guest
  • Exclusive F1, UFC and football invitations
  • Voice and messaging support
  • Free Visa Signature card
  • Spend without selling your crypto
  • Pay now or in fixed-rate installments
  • Collateral keeps earning yield
  • Visa airport lounge access
—

Cons

  • Requires a €450,000 CRO stake
  • No subscription alternative
  • CRO locked for twelve months
  • Heavy exposure to CRO price movement
  • Rewards paid in CRO only
  • 1.5% fee on non-USD spending
  • Installments carry interest
  • Virtual card only
  • Collateral can be liquidated
  • Smart contract and protocol risk
—

Options to Crypto.com

CardTypeAnnual feeRewardsScore
B logoBleap CardDebit$0Up to 20%4.4View cardB logoBybit CardCrypto$0Up to 10%4.3View cardP logoPlutus CardDebit$0Up to 9%2.7View cardB logoBit2Me CardDebit$0Up to 9%3.9View card