Exodus Card is a free virtual Visa or Mastercard debit card linked to the self-custodial Exodus Pay wallet, supporting USDC, USDT and XO Cash spending, Apple Pay, Google Pay and rewards on eligible purchases.
Why Exodus Card can be a great choice.
Things to consider before applying.
Exodus Card is a virtual debit card integrated with Exodus Pay, the payment platform built into the Exodus crypto wallet. It allows users to spend supported stablecoins at merchants accepting Visa or Mastercard without transferring funds to a conventional bank account.
The card draws directly from the user's Exodus Pay balance rather than requiring a separate card top-up. Users retain control of their funds through the self-custodial wallet, while transactions are processed through the card network.
The current Exodus Card replaces the earlier Exodus Spend Card, which users must migrate to Exodus Pay to continue using.
Exodus Card supports USDT, USDC and XO Cash (XO) on Solana. Users can also deposit USDC through Ethereum and Base or USDT through Ethereum, with supported deposits automatically converted into XO Cash.
Card payments generally prioritize USDT, followed by USDC and XO Cash. However, balances cannot be combined to cover a single purchase. If no individual asset has sufficient funds, the transaction is declined even when the total wallet balance exceeds the purchase amount.
XO Cash is a USD-backed stablecoin developed with MoonPay. It also powers transfers and rewards within Exodus Pay.
The virtual card is free to issue, with no subscription required.
Exodus supports stablecoin deposits and card payments, although third-party deposit providers may charge processing fees. Purchases in currencies other than USD use exchange rates determined by Visa or Mastercard and the payment processor.
Exodus also operates a rewards program for card spending and eligible account activity. Under the newer Exodus Rewards program, users earn one point per $1 spent on qualifying purchases. Additional points can be earned through supported crypto swaps and by holding eligible balances.
Points can be redeemed for XO Cash or USDC, depending on the region. Most users need at least 10,000 points to redeem, while Argentina, Brazil, Colombia, Mexico and Uruguay have a 4,000-point minimum.
The company does not publish a universal fixed cashback percentage applicable to every cardholder. The newer rewards program is being rolled out gradually.
Exodus Card supports online purchases and contactless payments through Apple Pay and Google Pay.
The card is currently virtual-only. Physical cards and ATM withdrawals are unavailable. Another limitation is that international cards do not support merchant pre-authorization holds, which can affect hotel bookings, car rentals and similar payments.
Exodus Card is available in selected countries across Europe, Latin America and other regions. New US card issuance is currently suspended, although existing US cardholders can continue using their cards.
Users must complete identity verification to activate the card. The wider Exodus wallet remains accessible without KYC.
Download the Exodus app and open Exodus Pay.
Create an Exodus Pay account and configure passkey protection.
Complete identity verification.
Open the Card section and check regional eligibility.
Select Activate Your Card and accept the cardholder terms.
Deposit USDC, USDT or XO Cash using a supported method.
Add the virtual card to Apple Pay or Google Pay.
Start making purchases using the available Exodus Pay balance.
Quick answers to common questions about Exodus Card.
Not directly at checkout. The current Exodus Card spends the user's XO Cash balance in Exodus Pay. Users can deposit supported assets such as USDC or USDT, which are automatically converted into XO, and then use that balance for card purchases.
Exodus Pay offers rewards for eligible card spending, but it does not currently advertise a single universal cashback percentage. Rewards are earned as points and can later be converted into XO Cash once the applicable minimum threshold has been reached.
No. The current Exodus Card in Exodus Pay is virtual only. It can be used online or added to Apple Pay or Google Pay for in-store payments, but physical cards and ATM withdrawals are not currently supported.
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