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Exa Card vs Krak Card

Exa Card scores higher on the G2M score: 67/100 against 60/100 (#9 and #18 of 26 cards). Pick Exa Card for cashback, more countries and control of your funds; pick Krak Card for a lower FX fee.

Exa Card67

#9 of 26 · 1% back · annual fee none

Get ExactlyRead the review
Krak Card60

#18 of 26 · Up to 2% back · annual fee none

Get KrakenRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 60/100 (#9 and #18 of 26 cards).
  • Exa Card pays 1% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card.
  • Neither card has an annual fee.
  • Krak Card charges less on foreign currency: a 1% FX fee against 1.5%.
  • Exa Card is confirmed in more countries: 46 against 32. Of the markets we check for every card, only Exa Card is confirmed in UAE, and only Krak Card is confirmed in United Kingdom and EU / EEA.
  • Exa Card is self-custodial; Krak Card is 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
Krak Card
G2M score
67 (better)
60
Base cashback
1%
Not published
Max cashback
1%
2% (better)
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
None listed
ATM
$1 + 0.65% per withdrawal; up to $250 each
Supported; fees not published
Network
Visa
Visa / Mastercard
Card type
Varies by region
Debit
Custody
Self-custodial
Custodial
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
No
United States
Yes
Yes
United Kingdom
No
Yes
EU / EEA
No
Yes
Countries
46
32
Bank account (IBAN or account number)
In your name
In your name
Send money to a bank account
3 currencies
3 currencies
Buy and sell crypto with fiat
Buy and sell
Buy and sell
Spend against crypto without selling
Yes
No
Yield on your balance
Yes
Yes
Tiers
Global · United States
Krak Card
Perks
Concierge · Extended warranty · Purchase protection
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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 Krak Card?

Exa Card scores higher on the G2M score: 67/100 against 60/100 (#9 and #18 of 26 cards). Pick Exa Card for cashback, more countries and control of your funds; pick Krak 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 Krak Card?

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

Which pays more cashback, Exa Card or Krak Card?

Exa Card pays 1% cashback on its entry tier; Krak Card does not publish a rate. Higher tiers go up to 2% on Krak Card.

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

Exa Card is confirmed in more countries: 46 against 32. Of the markets we check for every card, only Exa Card is confirmed in UAE, and only Krak Card is confirmed in United Kingdom and EU / EEA.

Who holds my funds with Exa Card and Krak Card?

Exa Card is self-custodial; Krak Card is 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.