A card you top up with USDT

USDT is the easiest crypto to hold and the hardest to spend. Shops, subscriptions and ad platforms do not take it, and selling it through an exchange means an account, a verification and a bank transfer at the end. A USDT card skips all of that: you send Tether to the card and the card pays in US dollars like any Mastercard.

CryptoCardex issues that card. It is opened with an email address, costs $49.99 once, and is topped up directly from a wallet on four chains.

How a USDT top up becomes a dollar balance

Every card has its own deposit address. You send USDT or USDC to it from any wallet or exchange, the transaction is picked up automatically, and the amount lands on the card in US dollars at one to one, less the 3% top up fee and the network fee. There is no exchange rate and no spread on the stablecoin itself.

The network fee is what the blockchain itself charges and it depends on the chain. On BNB Chain and Polygon it is about $0.10, on TRON and Ethereum about $2. Send $100 on BNB Chain and about $96.90 lands on the card; send the same on TRON and about $95 does. The minimum top up is set per chain so the fee never eats the whole amount.

Chain	Tokens	Network fee
TRON (TRC-20)	USDT, USDC	about $2
BNB Chain (BEP-20)	USDT, USDC	about $0.10
Polygon	USDT, USDC	about $0.10
Ethereum (ERC-20)	USDT, USDC	about $2

Where the card pays

Anywhere online that takes Mastercard: AI subscriptions, ad accounts, hosting, app stores, marketplaces, airlines. The virtual card is a number for forms. The Apple Pay card adds the phone wallet for shops, and the metal card adds cash machines. All three are the same USDT card underneath, with the same balance rules and the same fees.

Purchases in US dollars are charged at face value. A purchase in another currency is converted at the Mastercard rate plus 2.5%. Each approved purchase over $1 carries a $0.10 service fee, and the issuing bank's fee on a purchase is passed on at cost.

What it costs to hold

Nothing. The $49.99 opening payment is the only fixed cost. There is no monthly fee, no annual fee and no charge for a card that sits at zero for a year. The balance does not expire. The full list is on the pricing page, and the guide to chains explains how to pick the cheapest network for your amount.

What you need to open it

An email address. There is no passport upload, no selfie and no proof of address. The card is issued in about two minutes after the opening payment, which itself can be made in USDT. Details of the issuer and the rules we follow are in the AML and KYC policy.

Opening a USDT card in three steps

1. Open the card. Sign up with an email address and pay $49.99 once for the virtual Mastercard. The card number, expiry date and CVV appear in your account about two minutes later. No passport and no selfie.
2. Top it up with crypto. Send USDT or USDC on TRON, BNB Chain, Polygon or Ethereum to the deposit address shown in the account. The top up costs 3% plus the network fee, and the balance is held in US dollars.
3. Pay at the checkout. Enter the card like any other Mastercard: number, expiry, CVV, the name from your account and the billing address it asks for. The merchant sees an ordinary card payment, not crypto.

Questions people ask

Is USDT converted to dollars at a bad rate?

No. USDT lands on the card as US dollars at one to one. The only costs are the 3% top up fee and the network fee of the chain you send on.

Which chain is cheapest for small top ups?

BNB Chain or Polygon, where the network fee is about $0.10. TRON and Ethereum cost about $2 per transfer, which only makes sense for larger amounts.

Can I send USDC instead of USDT?

Yes. USDC is accepted on the same four chains and credited the same way.

Can I withdraw the balance back to crypto?

The card is for spending. A balance can be moved to another of your CryptoCardex cards, but it is not sent back out to a wallet.