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Exa Card vs Laso Finance Card

Exa Card scores higher on the G2M score: 67/100 against 26/100 (#10 and #33 of 33 cards). Exa Card also comes out ahead on cashback, a lower FX fee, more countries and control of your funds.

Exa Card67

#10 of 33 · 1% back · annual fee none

Get ExactlyRead the review
Laso Finance Card26

#33 of 33 · 0% back · annual fee none

Get Laso FinanceRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 26/100 (#10 and #33 of 33 cards).
  • Exa Card pays more cashback on its entry tier: 1% against 0%.
  • Neither card has an annual fee.
  • Exa Card charges less on foreign currency: a 1.5% FX fee against 2%.
  • Exa Card lists 46 countries where it works; Laso Finance Card does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only Exa Card is confirmed in UAE.
  • Exa Card is self-custodial; Laso Finance 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
Laso Finance Card
G2M score
67 (better)
26
Base cashback
1% (better)
0%
Max cashback
1%
Not published
Paid in
Not published
Not published
Annual fee
Free
Free
FX fee
1.5% (better)
2%
Top-up fee
0% (better)
3.8%
Per-purchase fee
None listed
None listed
ATM
$1 + 0.65% per withdrawal; up to $250 each
Not published
Network
Visa
Visa
Card type
Varies by region
Prepaid
Custody
Self-custodial
Custodial
No ID check
ID needed or not stated
Yes: US and international cards
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
? / Yes
India
No
Unclear
UAE
Yes
Unclear
United States
Yes
Yes
United Kingdom
No
Unclear
EU / EEA
No
Unclear
Countries
46
US card for US merchants; international card for merchants worldwide, no published country list
Bank account (IBAN or account number)
In your name
Not confirmed
Send money to a bank account
3 currencies
Not confirmed
Buy and sell crypto with fiat
Buy and sell
Sell only
Spend against crypto without selling
Yes
No
Yield on your balance
Yes
Not confirmed
Tiers
Global · United States
International card · US card · Reloadable card
Perks
Concierge · Extended warranty · Purchase protection
No ID check for the US and international cards · Cards issued in seconds · Gift cards for 3,000+ brands; Venmo, PayPal and debit card payouts · AI agents can order cards through its API · Works with merchants worldwide

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 Laso Finance Card?

Exa Card scores higher on the G2M score: 67/100 against 26/100 (#10 and #33 of 33 cards). Exa Card also comes out ahead on cashback, a lower FX fee, 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, Exa Card or Laso Finance Card?

Neither card has an annual fee. Exa Card charges less on foreign currency: a 1.5% FX fee against 2%.

Which pays more cashback, Exa Card or Laso Finance Card?

Exa Card pays more cashback on its entry tier: 1% against 0%.

Which works in more countries, Exa Card or Laso Finance Card?

Exa Card lists 46 countries where it works; Laso Finance Card does not publish a full country list (1 confirmed so far). Of the markets we check for every card, only Exa Card is confirmed in UAE.

Who holds my funds with Exa Card and Laso Finance Card?

Exa Card is self-custodial; Laso Finance 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.