With the Exodus Card, you can spend your Exodus Pay Cash balance and supported crypto anywhere Visa or Mastercard is accepted. Pay online with your card details, or add it to Apple Pay or Google Pay for in-store payments.
New to Exodus Pay? To learn more about how to create an account, visit: Getting started with Exodus Pay.
In this article:
What is the Exodus Card?
The Exodus Card is a virtual debit card in Exodus Pay. Your Exodus Card uses your Cash balance and any crypto you’ve added to your card.
Payments are processed like standard card payments
Where is the Exodus Card available?
Currently, the Exodus Card is supported only in the following countries.
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How do I activate my Exodus Card?
If you previously signed up for the Exodus Spend Card, you'll need to migrate it to Exodus Pay. To learn how, visit: How do I migrate my Spend Card to the Exodus Card?
Before you activate your card, you'll need to create and verify your Exodus Pay account. When you're ready, follow these steps to activate your card:
In Exodus Pay, tap Card.
Depending on your location, a) enter your tax ID or, if you're located in the US, enter your Social Security number (SSN). After you enter it, b) tap Continue.
If prompted, a) enter your address and b) tap Continue.
a) You may also be asked the following:
How you'll use the account
Employment status
Source of funds
Annual income
Expected monthly transactions
Expected monthly volume
After you answer, b) tap Continue.
a) Tap the links to read the Terms of Service and Privacy Policy, then b) tap Continue to accept.
To provide your electronic signature consent, tap Continue.
Tap Continue to open and read the Privacy Policy and Cardholder Agreement.
Your card is now ready to use anywhere Visa or Mastercard is accepted. Enter your card details at checkout for online purchases, or use a supported digital wallet in-store. To learn more, visit: How do I spend Cash with my Exodus Card?
To add your Exodus Card to a digital wallet, tap Add to Apple Wallet (iOS) or Add to Google Wallet (Android). If you don't see this option, you can manually add your Exodus Card to Apple Wallet or Google Wallet:
Add a debit or credit card to the Google Wallet app (Android)
How do I spend Cash with my Exodus Card?
After you've set up your Exodus Card, you can use it like a regular card to make purchases. There are several ways to top up your balance: How do I add money?
Pay online.
Enter your Exodus Card details at checkout, including your card number, expiration date, and security code.
Pay in-store.
Use your Exodus Card in-store with a digital wallet (Apple Pay or Google Pay). Hold your device near the payment terminal to complete your purchase.
To learn more about using your card, visit: How do I manage my Exodus Card?
Which assets fund my Exodus Card?
Your Exodus Card draws from these assets on the Solana network, usually in this order:
Tether USD (USDT)
USD Coin (USDC)
Bitcoin (cbBTC) on Base
Your card can't combine balances. Each purchase has to be covered by a single asset. If the first asset doesn't have enough for the full amount, your card tries the next one.
If no single asset covers the purchase, the purchase is declined, even if your combined balance is more than enough. To fix this, top up one asset so it covers the full amount on its own.
To add funds you can spend with your Exodus Card, visit:
Add money to your Cash balance: How do I add money?
Add crypto that you can spend with your Exodus Card: How do I spend crypto with my Exodus Card?
What are the spending limits for the Exodus Card?
The Exodus Card has the following daily limits for purchases:
$15,000 USD (United States of America)
$9,500 USD (Global)
Follow the steps below to view how much of the daily limit you've spent:
In Exodus Pay, tap Card.
Tap Settings.
Here you can see how much of your daily limit you've used.
What exchange rate is used for purchases?
Your Exodus Card spends XO Cash, USDC, and USDT, which are USD-backed stablecoins, plus any supported crypto you’ve added to your card.
When you use your card in a different currency, the transaction is then converted from USD using the exchange rate set by the card network and payment processor. Crypto purchases are valued in USD using the asset’s market price at the time of your purchase.
The exchange rate is determined at the time of purchase and may vary depending on market conditions and network conversion rates.
Use the tool that matches the payment network shown on your Exodus Card to estimate foreign exchange rates:
These tools provide estimated rates for informational purposes only, and they do not guarantee a specific rate. The final exchange rate applied may differ depending on the time of purchase and network conversion rates.
Exchange rates may also differ from those shown on other platforms.
What should I know when using my Exodus Card?
PINs
The Exodus Card doesn't currently support a PIN. If a payment terminal asks for a PIN, you may be able to continue without one by pressing the confirmation button. This depends on the merchant and transaction type.
Pre-authorization charges
Some merchants may use pre-authorization charges to confirm that a card is valid and has enough funds. These are temporary holds on part of your available balance.
You must also have enough available balance to cover the pre-authorization, or the transaction may fail. In some cases, the pre-authorization charge can exceed the amount you're spending. Any unused funds are credited back to your card, typically within 48 hours.
Pre-authorization charges are supported only if your Exodus Card was issued in the US. International cards don't currently support pre-authorizations.Physical cards
Your Exodus Card is currently available only as a virtual card. ATM withdrawals aren't supported.
Terminal payments
In some countries, such as Brazil and other parts of Latin America, international and prepaid cards can be processed only as credit. If the payment terminal is set to debit, the transaction may fail or require a PIN. Ask the merchant to select credit instead.
Refunds and credits
If you receive a refund, credit, or transaction reversal, the amount is credited back to your Exodus Card.
To learn more, visit: How do I view my credits from refunds?
How do I spend crypto with my Exodus Card?
Spending crypto with your Exodus Card isn't available in all jurisdictions. If you don't see the option to add crypto, this feature may not be supported in your location.
You can spend Bitcoin (BTC) with your Exodus Card by swapping it for Coinbase
Wrapped BTC (cbBTC) on the Base network.
cbBTC is a token backed 1:1 by Bitcoin (BTC). It lets you use BTC on other blockchain networks, such as Base. The value of cbBTC tracks Bitcoin's price.
Your Exodus Card uses your Cash balance first. If your Cash balance can't fully cover the purchase, your card uses your cbBTC balance instead.
You can follow the steps below to add Bitcoin to your spendable Exodus Card balance:
In your crypto wallet, tap your Bitcoin (BTC) wallet to open it.
If this is your first time adding crypto, tap Get started.
If you've added BTC before, the button shows as Deposit.
If you already hold its wrapped version on Base, tap Activate to enable card spending without swapping more BTC. You'll need a small amount of ETH on Base to cover the network fee.
Tap Get started.
a) Enter the amount you want to add, or b) tap Available to use your full balance, then c) tap Add to Card.
Review the transaction details. If everything looks good, a) slide the arrow to the right to confirm the swap.
When adding BTC for the first time, if you don't have enough ETH on Base, the confirmation includes an additional swap to cover the activation fee. You can b) expand the card activation swap to view its details.
After the swap and activation are complete, your wrapped crypto balance will be available to spend with your Exodus Card.
How do I manage my Exodus Card?
If you haven't activated your card yet, visit: How do I activate my Exodus Card?
How do I view my card details?
In Exodus Pay, tap Card.
Tap Details.
If you haven’t already, you’ll need to log in to Exodus Pay using the phone number linked to your account to access your Exodus Card details.
Here you'll see your card details, such as the card number, expiration date, and CVC.
How do I add my card to Apple Wallet or Google Wallet?
If you didn’t add your Exodus Card to Apple Wallet or Google Wallet when activating your card, you can add it at any time.
To get started, visit the guides below:
If you haven’t already, you’ll need to log in to Exodus Pay using the phone number linked to your account to add your card to a digital wallet.
How do I view my spending insights and total expenses?
With your Exodus Card, you can view your total expenses and a breakdown of your card spending.
In Exodus Pay, tap Card.
Tap Insights.
From here, you can see a) your total expenses and b) a breakdown of your spending categories. You can also c) select the month and year you want to view.
How do I view my card purchase history?
In Exodus Pay, tap Card.
Scroll down to see your entire purchase history.
How can I see why my card transaction failed?
When viewing your card purchase history, tap the failed transaction.
In the transaction details, next to Reason, you can see why the transaction failed.
How do I download my monthly activity?
In Exodus Pay, tap Card.
Tap Settings.
Tap Download activity.
a) Select the year and b) choose the month or months. Then, c) tap Download.
You’ll see your monthly activity, where you can save it or share it.
How do I view my merchant discount?
You can view the merchant discount for a specific purchase in the transaction details.
Merchant discounts may be offered for eligible transactions with participating merchants. These discounts are returned to you in reward points, which can be redeemed for XO Cash (XO) and added to your Exodus Pay balance.
How do I view my credits from refunds?
If you receive a refund or a transaction is reversed, the amount will be credited to your Exodus Card as a returned balance. You can view this credit in your activity, in the Cash balance breakdown, and in a banner under your card details.
To view your credits, follow the steps below:
In Exodus Pay, a) scroll down and you'll b) see available credits from refunds or reversed transactions.
You can also tap Card.
Next to Returned, you can view your available credits from refunds or reversed transactions.
Credits are used as the first funding source for future purchases. After your credits are used, the banner no longer appears.
You can see how much of your returned balance was used for a purchase when viewing the transaction details in your purchase history.
How do I freeze and unfreeze my card?
If you think your card has been compromised, freeze it in your card settings first.
In Exodus Pay, tap Card.
Tap Settings.
Tap the toggle to freeze or unfreeze your card.
After freezing your card, contact support@exodus.com right away. The team will help you cancel the compromised card and get a replacement.
If you have an Exodus Pay Cash balance, withdraw your Cash to another wallet for added protection. To learn how, visit:
XO Cash: How do I withdraw as a stablecoin?
USDC and USDT on Solana: How do I send Bitcoin and crypto from Exodus?
Can I earn rewards with my Exodus Card?
Yes, you can earn points when you spend with your Exodus Card. Card rewards become available to convert 24 hours after a purchase is finalized. To learn more, visit:
How do I migrate my Spend Card to the Exodus Card?
To continue using your Exodus Spend Card, you'll need to migrate it to Exodus Pay. Your card details will remain the same.
If you previously delegated XO Cash, USDC, or USDT to your Spend Card, you can continue spending those funds with your Exodus Card. However, each purchase must be covered by a single asset, and you can no longer add or manage delegations.
If you don't have any existing delegations, your Exodus Card will automatically use your Exodus Pay balance for purchases.
If you haven't migrated your card yet, you may see a prompt to start the migration.
If you don't see the prompt, follow the steps below to migrate your card.
In Exodus Pay, tap Card.
Tap I already have a Spend Card account?
You'll see a prompt to move your Spend Card.
Tap Continue.
a) Enter the email address you used to set up your Exodus Spend Card, then b) tap Continue.
a) Enter your password, then b) tap Continue. If you forgot your Spend Card password, c) tap Forgot password? to reset your password.
Enter the verification code sent to you by SMS.
Once complete, your Exodus Spend Card is migrated to Exodus Pay, and you can continue to use your card.
Why is my Exodus Card unavailable?
If the card service is temporarily unavailable, such as during maintenance, your card is grayed out, and a status message appears on the card screen.
How do I get help with my Exodus Card?
If you run into an issue with a card transaction, contact Exodus Support from the Contact Support button in the transaction details.
For other card-related issues, you can also contact support directly at exodus@cl-cards.com. For security reasons, we can respond only to requests sent from the email address linked to your card account.
In Exodus Pay, tap Card.
Tap the transaction you want to contact Exodus Support about.
In the transaction details, tap Contact Support.
a) Enter the email address linked to your card account and b) a description of your issue. If your wallet is encountering an error, c) toggle on Include a Safe Report. Review your message, then d) tap Send.
To learn more about Safe Reports, visit: What information does my Safe Report contain?
Your email has been sent, and Exodus Support will get back to you soon. Tap OK.
