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DogPay Card vs Exa Card

Exa Card scores higher on the G2M score: 67/100 against 33/100 (#9 and #28 of 28 cards). Exa Card also comes out ahead on cashback, more countries and control of your funds.

DogPay Card33

#28 of 28 · Not published back · annual fee none

Get DogPayRead the review
Exa Card67

#9 of 28 · 1% back · annual fee none

Get ExactlyRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 33/100 (#9 and #28 of 28 cards).
  • Exa Card pays 1% cashback on its entry tier; DogPay Card does not publish a rate.
  • Neither card has an annual fee.
  • Exa Card charges 1.5% on foreign currency; DogPay Card does not publish its FX fee.
  • Exa Card lists 46 countries where it works; DogPay Card does not publish a full country list. Of the markets we check for every card, only Exa Card is confirmed in United States and UAE.
  • DogPay Card is custodial; Exa Card is self-custodial.

Want the answer for your own spending, or the next tier up of each? See what each keeps you a year or pick tiers and add a third card.

Side by side

Detail
DogPay Card
Exa Card
G2M score
33
67 (better)
Base cashback
Not published
1%
Max cashback
Not published
1%
Paid in
Not published
Not published
Annual fee
Free
Free
FX fee
Not published
1.5%
Top-up fee
1%
0% (better)
Per-purchase fee
None listed
None listed
ATM
Physical card at supported ATMs; fee not published
$1 + 0.65% per withdrawal; up to $250 each
Network
Visa / Mastercard
Visa
Card type
Prepaid
Varies by region
Custody
Custodial
Self-custodial
Formats
virtual, physical
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
Unclear
No
UAE
Unclear
Yes
United States
Unclear
Yes
United Kingdom
Unclear
No
EU / EEA
Unclear
No
Countries
Depends on your region and identity checks; no country list published
46
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
1 currency
3 currencies
Buy and sell crypto with fiat
Sell only
Buy and sell
Spend against crypto without selling
Not confirmed
Yes
Yield on your balance
Yes
Yes
Tiers
Basic · Premium · Platinum · Ultra
Global · United States
Perks
Personal USD account (ACH, Fedwire, SWIFT) · 6% a year on stablecoins (Earn) · Card top-up fee 1% · $10 per virtual card · Up to 2 cards
Concierge · Extended warranty · Purchase protection

Highlighted values are the better of the two. “Not published” means the issuer does not state it. Card data last checked 25 Oct 2026; see each card's review for its sources.

Questions

Which is better, DogPay Card or Exa Card?

Exa Card scores higher on the G2M score: 67/100 against 33/100 (#9 and #28 of 28 cards). Exa Card also comes out ahead on cashback, more countries and control of your funds. The better card for you depends on where you live and how you spend; the G2M calculator works it out for your own spending.

Which has lower fees, DogPay Card or Exa Card?

Neither card has an annual fee. Exa Card charges 1.5% on foreign currency; DogPay Card does not publish its FX fee.

Which pays more cashback, DogPay Card or Exa Card?

Exa Card pays 1% cashback on its entry tier; DogPay Card does not publish a rate.

Which works in more countries, DogPay Card or Exa Card?

Exa Card lists 46 countries where it works; DogPay Card does not publish a full country list. Of the markets we check for every card, only Exa Card is confirmed in United States and UAE.

Who holds my funds with DogPay Card and Exa Card?

DogPay Card is custodial; Exa Card is self-custodial.

More comparisons

Scores use the same rules for every card (how the score works). Referral links never change a score or rank. Not financial advice.