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Exa Card vs Karta.io Card

Exa Card scores higher on the G2M score: 67/100 against 40/100 (#9 and #26 of 26 cards). Pick Exa Card for cashback and more countries; pick Karta.io Card for a lower FX fee.

Exa Card67

#9 of 26 · 1% back · annual fee none

Get ExactlyRead the review
Karta.io Card40

#26 of 26 · Not published back · annual fee none

Get Karta.ioRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 40/100 (#9 and #26 of 26 cards).
  • Exa Card pays 1% cashback on its entry tier; Karta.io Card does not publish a rate.
  • Neither card has an annual fee.
  • Karta.io Card charges less on foreign currency: a 1% FX fee against 1.5%.
  • Exa Card lists 46 countries where it works; Karta.io 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.
  • Both are 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
Exa Card
Karta.io Card
G2M score
67 (better)
40
Base cashback
1%
Not published
Max cashback
1%
Not published
Paid in
Not published
Not published
Annual fee
Free
Free
FX fee
1.5%
1% (better)
Top-up fee
0%
0%
Per-purchase fee
None listed
1.5%
ATM
$1 + 0.65% per withdrawal; up to $250 each
1 USDT + 2.5% per withdrawal
Network
Visa
Visa
Card type
Varies by region
Prepaid
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
Yes
Unclear
United States
Yes
No
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
46
Not published; depends on local rules and card partners
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
3 currencies
No
Buy and sell crypto with fiat
Buy and sell
Buy only
Spend against crypto without selling
Yes
No
Yield on your balance
Yes
No
Tiers
Global · United States
Karta Personal
Perks
Concierge · Extended warranty · Purchase protection
Visa Signature · Fiat top-ups by ACH, SEPA, SWIFT, PIX and SPEI

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, Exa Card or Karta.io Card?

Exa Card scores higher on the G2M score: 67/100 against 40/100 (#9 and #26 of 26 cards). Pick Exa Card for cashback and more countries; pick Karta.io Card for a lower FX fee. 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, Exa Card or Karta.io Card?

Neither card has an annual fee. Karta.io Card charges less on foreign currency: a 1% FX fee against 1.5%.

Which pays more cashback, Exa Card or Karta.io Card?

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

Which works in more countries, Exa Card or Karta.io Card?

Exa Card lists 46 countries where it works; Karta.io 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 Exa Card and Karta.io Card?

Both are 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.

Exa Card vs Karta.io Card: fees, cashback and countries compared · G2M