Exodus Spend Card Review (2026)

Reviewed by Card Pilled Editorial · Last verified 2026-05-09

Key Facts

Cashback

0%

Annual Fee

$0

Region

Multiple (NOT new US signups)

Type

Debit

Network

Mastercard

KYC

standard

Mobile Pay

Apple Pay, Google Pay

Overview

Exodus is a self-custodial multi-chain desktop and mobile crypto wallet founded in 2015 by JP Richardson and Daniel Castagnoli. The parent company, Exodus Movement, Inc., is publicly traded on the NYSE American under the ticker EXOD and was the first US company to complete an SEC-qualified, crypto-only Regulation A+ public offering in 2021.

The Exodus Spend Card is a crypto debit card offered by Exodus (via Baanx), available in Multiple (NOT new US signups). There is no annual fee to hold this card.

It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. Note that the card is virtual only. It runs on the Mastercard network and requires standard identity verification.

Fees & Costs

Conversion Fee

0% Exodus fee (Solana gas only)

Top-Up Fee

0% (Solana gas only)

Pros

• No annual fee
• Self-custody - you control your private keys
• Supports Apple Pay and Google Pay

Cons

• No cashback rewards on purchases
• Virtual card only - no physical card available

Note: Virtual card, Apple/Google Pay. Self-custody until point of sale. USDC/USDT on Solana only. Not accepting new US signups. Exodus COMPLETED acquisition of Baanx/Monavate (May 1, 2026), bringing card infrastructure in-house. Exodus Pay LAUNCHED April 9, 2026 (self-custodial Visa + Apple Pay, rolling nationwide US through April), expected to supersede this Mastercard card. XO Cash stablecoin (Solana, with MoonPay/Monavate) launched May 8, 2026 with card support.

Similar Cards

Other crypto cards in the same region or category that may suit your spending profile:

• COCA Card by COCA - 1-8% cashback, $0 fee, 54 countries
• Solflare Card by Solflare - 0% cashback, $0 fee, EEA/UK
• THORWallet Mastercard by THORWallet - TITN staking rewards cashback, $0 (one-time ETH fee) fee, 175+ countries (NOT US)
• Tangem Pay by Tangem - 0% cashback, $0 (wallet $69.90) fee, 70+ countries (US/LATAM/APAC/EEA)
• Bitwala Card by Bitwala - 0% cashback, 1% trading fee, EEA (29 countries)
• Pundi X XPASS Card by Pundi X - N/A cashback, N/A fee, XPOS merchants
• Phantom Cash Card by Phantom - 0% (rewards coming later) cashback, $0 fee, US (excl NY/AK)
• 1inch Card by 1inch (via Baanx) - Up to 2% cashback, $0 fee, UK/EEA (31 countries)

FAQ

What is the Exodus Spend Card?

The Exodus Spend Card is a crypto debit card offered by Exodus (via Baanx). It is available in Multiple (NOT new US signups) and allows users to spend cryptocurrency at merchants worldwide.

What are the fees for the Exodus Spend Card?

The Exodus Spend Card has an annual fee of $0. Additional fees: Conversion fee: 0% Exodus fee (Solana gas only); Top-up: 0% (Solana gas only).

Where is the Exodus Spend Card available?

The Exodus Spend Card is available in Multiple (NOT new US signups). Its availability status is "Limited".

Is the Exodus Spend Card a credit or debit card?

The Exodus Spend Card is a debit card. You need to load cryptocurrency onto the card before making purchases.

Is the Exodus Spend Card a non-custodial card?

Yes, the Exodus Spend Card is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.

Does the Exodus Spend Card support Apple Pay or Google Pay?

Yes, the Exodus Spend Card supports Apple Pay and Google Pay for contactless payments.

Visit Exodus (via Baanx)

Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level.