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Exa Card vs PEXX Card

Exa Card scores higher on the G2M score: 67/100 against 62/100 (#11 and #19 of 39 cards). Pick Exa Card for control of your funds; pick PEXX Card for a lower FX fee and more countries.

Exa Card67

#11 of 39 · 1% back · annual fee none

Get ExactlyRead the review
PEXX Card62

#19 of 39 · 1% back · annual fee none

Get PEXXRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 62/100 (#11 and #19 of 39 cards).
  • Both pay 1% cashback on their entry tier.
  • Neither card has an annual fee.
  • PEXX Card charges less on foreign currency: a 1.2% FX fee against 1.5%.
  • PEXX Card is confirmed in more countries: 68 against 46. Of the markets we check for every card, only Exa Card is confirmed in United States, and only PEXX Card is confirmed in United Kingdom and EU / EEA.
  • Exa Card is non-custodial; PEXX 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
PEXX Card
G2M score
67 (better)
62
Base cashback
1%
1%
Max cashback
1%
1%
Paid in
Not published
PEXX Points
Annual fee
Free
Free
FX fee
1.5%
1.2% (better)
Top-up fee
0%
0%
Per-purchase fee
None listed
0.6%
ATM
$1 + 0.65% per withdrawal; up to $250 each
Not published
Network
Visa
Visa / Mastercard
Card type
Varies by region
Debit
Custody
Non-custodial
Custodial
Sign-up bonus (G2M link)
None published
None published
No ID check
ID needed or not stated
ID needed or not stated
Formats
virtual
virtual, physical
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
No
UAE
Yes
Yes
United States
Yes
No
United Kingdom
No
Yes
EU / EEA
No
Yes
Countries
46
68
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
Yes
Tiers
Global · United States
PEXX Card
Perks
Concierge · Extended warranty · Purchase protection
PEXX Earn: up to 4% APY on USD, USDT and USDC (tokenised US Treasuries) · USD account with routing and account number · Points convert to HeyMax Max Miles · QR payments in Indonesia, Malaysia, Singapore, Vietnam and the Philippines

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 PEXX Card?

Exa Card scores higher on the G2M score: 67/100 against 62/100 (#11 and #19 of 39 cards). Pick Exa Card for control of your funds; pick PEXX Card for 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 PEXX Card?

Neither card has an annual fee. PEXX Card charges less on foreign currency: a 1.2% FX fee against 1.5%.

Which pays more cashback, Exa Card or PEXX Card?

Both pay 1% cashback on their entry tier.

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

PEXX Card is confirmed in more countries: 68 against 46. Of the markets we check for every card, only Exa Card is confirmed in United States, and only PEXX Card is confirmed in United Kingdom and EU / EEA.

Who holds my funds with Exa Card and PEXX Card?

Exa Card is non-custodial; PEXX 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.