Free if you spend A year at $500/moNo fees and no cashback at this spend
Spend stablecoins from your own wallet, free in the US
Get Phantom CardGet card
Exodus Card
Tap the card to read the small print
Your first yearFX fee not published
- Monthly fee
- FX fee not published
- Cashback
- Points, value not published
- Currency fee
- FX fee not published
- ATM
- No ATM
- Your money
- You hold it
- Sign-up
- Phone + ID check (SSN or tax ID)
- Apple / Google Pay
- The card itself
- Free virtual
How we calculateEstimate for everyday spending: most of it in your local currency, topping up with crypto.Checked November 10, sources in each section below
Our take
For Exodus wallet users who want a free virtual card that spends stablecoins from their own wallet. Not for you if you need cash from ATMs or a plastic card.
Need cash from ATMs? Compare with Lava Card
Good to know
- Spends stablecoins from your own wallet
- Free virtual card
- Apple Pay and Google Pay
- Virtual only, no ATM
- Each purchase must be covered by one stablecoin
- FX fee not published
Fees
SourceExodus Pay page · checked November 10- Card
- FreeVirtual card only
- Monthly fee
- $0
- Paying in other currencies
- Exodus knowledge base, getting started with the Exodus Card · November 10
- No fee publishedConverted from USD at the card network and processor rate
- Deposits
- Free for a limited timeCard and Apple Pay deposits go through third-party providers that show fees before you pay
- Card issuer fees
- Exodus Terms of Service v38 (26.10.2026) · November 10
- Set in the cardholder agreement, not publishedToS: fees charged by a card issuer are not Exodus fees
- Rewards Paid Tier
- Exodus Terms of Service v38 (26.10.2026) · November 10
- Annual fee, amount not publishedOptional; the free card does not need it
Plans
Exodus Card$0
- Virtual debit card
- 1 point per $1 spent
- Apple Pay and Google Pay
Limits
SourceExodus knowledge base, getting started with the Exodus Card · checked November 10- Purchases per day
- $15,000 (US), $9,500 (elsewhere)
Top up & withdraw
SourceExodus knowledge base, getting started with Exodus Pay · checked November 10Top up
- Crypto
- USDC on Solana, Ethereum, Arbitrum, Base, BNB Chain, Polygon; USDT on Arbitrum, Solana, Ethereum, BNB Chain, PolygonConverted to XO Cash
- Debit card or Apple Pay
- Buys XO Cash through a third-party providerDepends on location
Withdraw
- Back to crypto
- Exodus knowledge base, Exodus Rewards · November 10
- Cash out as USDC or USDT to another wallet
For residents of 42 countries
AndorraArgentinaAustriaBelgiumBosnia & HerzegovinaBrazilBulgariaCanadaColombiaCroatiaCyprusDenmarkFinlandFranceGermanyGibraltarGreeceGuatemalaHungaryIcelandIrelandIsle of ManItalyJerseyLiechtensteinLithuaniaLuxembourgMaltaMexicoNetherlandsNigerNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenSwitzerlandUnited StatesUruguay
Not on the list? Then Exodus Card doesn't accept people living there yet.
- How they check where you live
- Phone verification; address if prompted; tax ID or US SSN
- ID from another country
- Not published
- ID accepted
- Exodus knowledge base, getting started with the Exodus Card · November 10
- Exodus Pay verification, then SSN (US) or tax ID, address, income and source of funds
- Pays in
- Exodus knowledge base, getting started with the Exodus Card · November 10
- Online and in store where Visa or Mastercard works; no PIN, no ATM; in Latin America ask for 'credit'
Trust
SourceExodus Pay page · checked November 10- Card issued by
- Exodus Movement, Inc. (card by an unnamed third-party provider)
- Licence
- Exodus is 'not a bank'; card services through third-party providers; issuer not named
- Based in
- United States
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