After doing my own research on when to use them, and what are the optimal moments. I came across a lot of different opinions, many which were kind of far fetched and outright wrong.
Let me explain so i dont sound like some on the pedestal entitled jerk.
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The exp on the cards is fixed, this means the amount of exp it gives wont change no matter what level the player is. E.A a level 1 card will always give 500 exp.
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Not using or using card does not change the amount of exp your character needs to level (i know is kinda tard im mentioning this, but i read people claiming otherwise)
Wanted to help people that think the above is true, it is not.
The answer to the Million Dollar question: Should i use them right away or save them?
The answer is pretty simple regardless of opinion. Depends on your play-style. Ill clarify:
-If you play solo, higher mobs at 200+ do a lot more dmg and have a lot more HP, so they dont get one shot often. The density on those maps seems a little lower as well. This means from 1-160 there is many areas were aoe farming is more efficient. In this case saving cards to push through the exp wall, were quests are scarce will help you solo easier.
-if you play everyday with a group 3-4 friends. Personally i think using the exp cards as you get them wont affect you as much, Why? Because i found that the first wall and worst one for many player under 200 is 170-186 reset. Yet there is a decently dense area that is 193 (Downtown) which offers decent exp. As a solo E3 i was on a constant 2mil exp gain (i was 194). This could be easy achieve with a party if you are lower and need to grind. Also to add that 184 (Verktic Square) spawn a decent amount of monsters as well.
I hope the info help those that are still kinda confuse like, and are not following a leveling guide posted by experience players.
Another thing to note that i wasnt even doing myself:
Everyday you get:
-5 Quest that give cards appropriate to your level, inside the mercenary office.
The drop rate is rare but some monsters drop exp cards as well
-Pag Doper level 6 Exp card(confirmed)
- Gray Jukopus drop level 8 Exp cards (confirmed)
- Rabbee Also level 8 Exp Card (confirmed)
By confirmed i mean is shows on the Adventure Journal as a drop, so far these are the ones i have, ill add more and bump the thread if i find anymore.

