Exa Credit Card – Uphold Help Center

We are working hard to bring our Instant Credit feature to as many people as possible. Currently, you can use this feature if you live in Latin America, most of the United States, and many other countries worldwide.

Where Instant Credit is NOT available yet:

The UK and Europe: We are currently unavailable in these regions.
US Territories: We do not support US territories (such as Puerto Rico or Guam) at this time.
Specific US States: Due to local regulations, we cannot offer this feature in: Arizona, California, Connecticut, Delaware, Georgia, Idaho, Louisiana, Maryland, Massachusetts, Mississippi, Missouri, Nevada, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon , Rhode Island, South Dakota, Tennessee, Texas, Vermont, Washington, and Wisconsin.

The Exa Credit Card is a virtual payment card that lets you spend money in the real world by borrowing against your crypto. Instead of selling your assets, you use them as backup to fund your purchases, which you can then pay back in installments.

Getting started with Exa Credit Card

You don’t need to fill out a separate application for the Exa Credit Card. Once you have completed your Instant Credit onboarding, you can set up your card in just a few steps:

Open the Instant Credit feature in your Uphold app and tap the Credit card tab.
Tap the Get Started button.
You will be asked to provide 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 to finish the process.
Once confirmed, your virtual card is active and ready!

Your card will appear in the Cards widget on your Uphold app home screen.

While there is no physical card, you can add your virtual Exa Credit Card to Apple Wallet or Google Wallet for easy tap-to-pay at stores.

Managing my Exa Credit Card

Everything you need is located in the Uphold app.

Access and manage your card

Tap your Exa Credit Card in the card’s widget to open the cards’ details page.
At the top of the screen, view 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 for security.
Scroll below the card image to review your recent card activity.

Card settings and support

On the Exa Credit Card page, tap Settings.
From here, you can:
- Request monthly statements to be sent to your email.
- Report your card as stolen or compromised.
- Contact our support team for help with transactions, limits, or disputes.

These tools make it easy to stay in control of your Exa Credit Card and manage everything right inside the Uphold app.

Spending limits & fees

To keep your borrowing safe, the card uses two types of limits:

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

How interest rates work

Interest on the Exa Credit Card is predictable because it is "locked in" every time you shop.

The interest rate for a specific purchase is set the moment you use your card. That rate stays the same for that specific amount until the end of your billing cycle (the "maturity").
Because market rates can change daily, a purchase you make today might have a different rate than one you make tomorrow.
If you have multiple purchases with different rates, your total loan will simply use the average of those rates.

Example:

Day 1: You buy a $100 jacket at a 5% interest rate. That $100 stays at 5% until your next payment date.
Day 2: Market rates go up. You buy $100 worth of groceries at a 6% rate.

You now have a $200 loan with an average interest rate of 5.5%.

Foreign currencies

If you buy something in a currency other than USD, VISA handles the conversion automatically at the current market rate.

Temporary holds

Some businesses (like hotels, gas stations, or car rentals) may place a temporary "hold" on your card for a higher amount than your actual bill.

Don't worry: the extra amount is released automatically once the merchant finishes the transaction.

Who issues the Exa Credit Card?

The card is officially issued by Third National Bank under a VISA license. However, the bank only provides the card technology; the actual credit and borrowing features are powered by the Exactly protocol.