Exa Card vs Tangem Pay
Exa Card scores higher on the G2M score: 67/100 against 62/100 (#9 and #15 of 26 cards). Tangem Pay still comes out ahead on more countries.
The short answer
- Exa Card scores higher on the G2M score: 67/100 against 62/100 (#9 and #15 of 26 cards).
- Both pay 1% cashback on their entry tier. Higher tiers go up to 4% on Tangem Pay.
- Neither card has an annual fee.
- Both charge a 1.5% FX fee on foreign currency.
- Exa Card lists 46 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far).
- 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
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 Tangem Pay?
Exa Card scores higher on the G2M score: 67/100 against 62/100 (#9 and #15 of 26 cards). Tangem Pay still comes out ahead on 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 Tangem Pay?
Neither card has an annual fee. Both charge a 1.5% FX fee on foreign currency.
Which pays more cashback, Exa Card or Tangem Pay?
Both pay 1% cashback on their entry tier. Higher tiers go up to 4% on Tangem Pay.
Which works in more countries, Exa Card or Tangem Pay?
Exa Card lists 46 countries where it works; Tangem Pay does not publish a full country list (50 confirmed so far).
Who holds my funds with Exa Card and Tangem Pay?
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.