Exa Credit Card – Uphold Help Center

What is the Exa Credit Card?

The Exa Credit Card is a virtual Visa Signature card that lets you spend money in the real world by borrowing against your crypto. Instead of selling your assets, you use them as collateral to fund your purchases, then pay back in installments. It is part of Instant Credit, Uphold's feature for borrowing against your crypto.

How do I get started with the Exa Credit Card?

You don't need a separate application. Once you have completed your Instant Credit onboarding, set up your card in the Uphold app:

Open the Instant Credit feature and tap the Credit card tab.
Tap Get Started.
Enter a few details, including your card purpose and your expected card volume (how much you plan to spend).
Read and accept the Terms and Conditions.
Once confirmed, your virtual card is active.

Your card appears in the Cards widget on your Uphold app home screen. There is no physical card, but you can add your virtual Exa Credit Card to Apple Wallet or Google Wallet to tap to pay in stores.

How do I manage my Exa Credit Card?

You manage everything in the Uphold app.

View and control your card

In the Cards widget, tap your Exa Credit Card to open the card details page.
At the top, see your available spending amount.
Use the quick-action buttons to:
- View card info (card number, expiry date, CVV).
- View PIN (for verification purposes).
- Freeze or unfreeze your card instantly.
Scroll below the card image to see your recent card activity.

Card settings and support

On the Exa Credit Card page, tap Settings.
From here, you can:
- Request monthly statements by email.
- Report your card as stolen or compromised.
- Contact Uphold Support for help with transactions, limits, or disputes.

What are the spending limits on the Exa Credit Card?

The card has two limits:

Weekly cap: you can spend up to $10,000 per week. If you need more, contact Uphold Support to request an increase.
Spending limit: a sliding limit based on the value of the collateral in your Instant Credit account.

How does interest work on the Exa Credit Card?

Each purchase gets its own interest rate, set at the moment you pay.

That rate stays the same for that amount until the maturity date (the end of your billing cycle).
Market rates can change daily, so a purchase today may have a different rate than one tomorrow.
If you have several purchases with different rates, your total loan uses the average of those rates.

Example (rates are for illustration only):

Day 1: You buy a $100 jacket at a 5% rate. That $100 stays at 5% until the maturity date.
Day 2: Market rates go up. You buy $100 of groceries at a 6% rate.
You now have a $200 loan with an average interest rate of 5.5%.

What happens if I buy something in a foreign currency?

If you buy something in a currency other than USD, Visa converts the amount automatically at the current market rate.

Why does a merchant place a temporary hold on my card?

Some businesses, such as hotels, gas stations and car rentals, may place a temporary hold on your card for more than your final bill. The merchant normally releases the extra amount once the transaction is complete. How long this takes can vary by merchant.

Who issues the Exa Credit Card?

Third National Bank issues the card under a Visa license. The bank provides the card technology. The credit and borrowing features are powered by the Exactly protocol.

What perks does the Exa Credit Card have?

The Exa Credit Card is a Visa Signature card, so it comes with Visa Signature perks. These can include travel, shopping and purchase-protection benefits. Specific benefits and their terms are set by the card provider and may vary by region.

To see the benefits that come with your Exa Card and how to use them, read Exa's guide: Visa Signature benefits with your Exa Card.