Which of the two should I take?

If the money is going to ad accounts, AI tools and subscriptions, the virtual card is enough and it is ten dollars cheaper. If you also want to pay in a shop or a cafe by holding your phone to the reader, take the Apple Pay card.

Can I upgrade the virtual card to the Apple Pay one later?

They are separate cards, so there is no upgrade. You open the second one at its own price and keep the first, which many people do on purpose: one card for ad platforms and another for everything else, so a block on one never touches the other.

Do I really send no documents?

For both virtual cards an email address is all we ask for. No passport, no selfie, no proof of address and no bank account.

How long until the card actually works?

About two minutes from the payment. Issuing is automatic and runs at any hour, so a card bought at three in the morning appears as fast as one bought at noon.

What can I top it up with?

USDT on Tron, BNB Chain, Polygon or Ethereum, plus Bitcoin, USDC, ETH, BNB, SOL and TRX. It lands on the card as dollars. Tron and Ethereum charge the most to send on, BNB Chain and Polygon the least.

Will subscriptions that bill every month work?

Yes. The merchant sees an ordinary card, so recurring billing behaves normally. Keep enough balance on the card for the next charge, otherwise the payment is declined the way it would be on any other card.

Blog

Which of the three cards to choose

They are the same card underneath. The difference is where you can use it.

Choosing 4 min read Updated 7 October 2026

We sell three cards, and the difference between them is not the card: it is where it can be used. Underneath they are the same product, issued by the same issuer, on the same network, with the same three percent on a top up and the same zero per month.

So the question is not which card is better. It is where you intend to pay.

If the money is going to the internet

Ad accounts, AI subscriptions, hosting, software, marketplaces, flights. All of this takes a card number typed into a form, and for all of this the Virtual Card at $49.99 is enough.

It does not go into the wallet app and it cannot be tapped on a reader. If everything you pay for is on a screen, that limitation never comes up, and you have saved ten dollars.

If you also want to pay with your phone

The Apple Pay Card at $59.99 does everything the virtual one does, and additionally goes into Apple Wallet or Google Wallet. Once it is there you pay by holding the phone to the terminal, in shops, cafes and transport.

Ten dollars is the entire difference. If there is any chance you will want to pay in a physical shop, pay the ten dollars now: the cards are separate products and there is no upgrade path later.

A detail people miss: the phone passes a separate number to the terminal, not the one on your card. The till never sees your card number.

If you need cash, or a card in your hand

The Physical Card at $459.99 is a metal card posted to your address. It does everything above, and adds the two things no virtual card can do: you can hand it to a cashier, and you can take cash out of a machine at one percent of the amount.

The price covers the card, personalising it and the post, with nothing added at the end. It takes 7 to 14 working days to arrive.

This is the card to choose when you travel somewhere that still runs on cash, or when you need a card that exists when a phone battery does not.

Why people often take two

Keeping ad platforms on one card and everything else on another is a common and sensible habit. If an ad platform blocks a card, which happens, the block touches that card only and your subscriptions keep running.

There is no monthly fee on any card, so a second card costs only its one-time price and then nothing.

What is identical on all three

Opened with an email address, no documents
Three percent on a top up, plus what the blockchain charges to send
Nothing per month, nothing per year, nothing for sitting unused
Paying online is free on all three
Topped up with USDT, Bitcoin, USDC and others, on four chains

Every number above is on the pricing page in one table. If a charge is not there, we do not take it.