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Exa Card vs Pionex Visa Card

Exa Card scores higher on the G2M score: 67/100 against 49/100 (#9 and #22 of 28 cards). Pick Exa Card for more countries and control of your funds; pick Pionex Visa Card for a lower FX fee.

Exa Card67

#9 of 28 · 1% back · annual fee none

Get ExactlyRead the review
Pionex Visa Card49

#22 of 28 · 1% back · annual fee none

Get PionexRead the review

The short answer

  • Exa Card scores higher on the G2M score: 67/100 against 49/100 (#9 and #22 of 28 cards).
  • Both pay 1% cashback on their entry tier.
  • Neither card has an annual fee.
  • Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1.5%.
  • Exa Card lists 46 countries where it works; Pionex Visa 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.
  • Exa Card is self-custodial; Pionex Visa 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
Pionex Visa Card
G2M score
67 (better)
49
Base cashback
1%
1%
Max cashback
1%
1%
Paid in
Not published
USDT
Annual fee
Free
Free
FX fee
1.5%
0% (better)
Top-up fee
0%
0%
Per-purchase fee
None listed
1% + $0.20 at or under $5, first 1 a month free
ATM
$1 + 0.65% per withdrawal; up to $250 each
2% (physical card only; physical cards are not open to new applicants)
Network
Visa
Visa
Card type
Varies by region
Debit
Custody
Self-custodial
Custodial
Formats
virtual
virtual
Apple / Google Pay
Yes / Yes
Yes / Yes
India
No
Unclear
UAE
Yes
Unclear
United States
Yes
No
United Kingdom
No
No
EU / EEA
No
Unclear
Countries
46
Most countries; not the US, UK, Canada, France, the Netherlands, Japan, Singapore, Hong Kong or mainland China
Bank account (IBAN or account number)
In your name
No
Send money to a bank account
3 currencies
Not confirmed
Buy and sell crypto with fiat
Buy and sell
Buy only
Spend against crypto without selling
Yes
Not confirmed
Yield on your balance
Yes
Yes
Tiers
Global · United States
Visa
Perks
Concierge · Extended warranty · Purchase protection
5% a year on the card balance · Apple Pay and Google Pay · 5% a year on your card balance, paid hourly in USDT · Extra cashback at partner merchants through Pionex links

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 Pionex Visa Card?

Exa Card scores higher on the G2M score: 67/100 against 49/100 (#9 and #22 of 28 cards). Pick Exa Card for more countries and control of your funds; pick Pionex Visa 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 Pionex Visa Card?

Neither card has an annual fee. Pionex Visa Card charges less on foreign currency: a 0% FX fee against 1.5%.

Which pays more cashback, Exa Card or Pionex Visa Card?

Both pay 1% cashback on their entry tier.

Which works in more countries, Exa Card or Pionex Visa Card?

Exa Card lists 46 countries where it works; Pionex Visa 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 Pionex Visa Card?

Exa Card is self-custodial; Pionex Visa 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.