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Exa Card vs Kite Card

Exa Card scores higher on the G2M score: 67/100 against 49/100 (#10 and #24 of 31 cards). Exa Card also comes out ahead on cashback, a lower FX fee and more countries.

Exa Card67

#10 of 31 · 1% back · annual fee none

Get ExactlyRead the review
Kite Card49

#24 of 31 · 0% to 5% back · annual fee none

Get KiteRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 49/100 (#10 and #24 of 31 cards).
  • Exa Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite Card.
  • Neither card has an annual fee.
  • Exa Card charges less on foreign currency: a 1.5% FX fee against 1.8%.
  • Exa Card is confirmed in more countries: 46 against 9. 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
Kite Card
G2M score
67 (better)
49
Base cashback
1% (better)
0%
Max cashback
1%
5% (better)
Paid in
Not published
USD
Annual fee
Free
Free
FX fee
1.5% (better)
1.8%
Top-up fee
0% (better)
0.53%
Per-purchase fee
None listed
None listed
ATM
$1 + 0.65% per withdrawal; up to $250 each
Coming soon
Network
Visa
Visa
Card type
Varies by region
Prepaid
Custody
Self-custodial
Self-custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
No
United States
Yes
No
United Kingdom
No
No
EU / EEA
No
No
Countries
46
9
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
3 currencies
17 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Yes
Not confirmed
Yield on your balance
Yes
Not confirmed
Tiers
Global · United States
Kite Card
Perks
Concierge · Extended warranty · Purchase protection
Non-custodial Kite wallet · USD account to receive ACH and wires · Cash out to banks in 17 countries · 5% back on Grab, Travala, streaming, AI and creator subscriptions and Starlink until 30 Nov 2026 (no cap)

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 Kite Card?

Exa Card scores higher on the G2M score: 67/100 against 49/100 (#10 and #24 of 31 cards). Exa Card also comes out ahead on cashback, a lower FX fee and more countries. 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 Kite Card?

Neither card has an annual fee. Exa Card charges less on foreign currency: a 1.5% FX fee against 1.8%.

Which pays more cashback, Exa Card or Kite Card?

Exa Card pays more cashback on its entry tier: 1% against 0%. Higher tiers go up to 5% on Kite Card.

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

Exa Card is confirmed in more countries: 46 against 9. 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 Kite 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.