Versatile for daily online and offline spending, cross-border travel & dining, and various subscriptions. Supports Apple Pay, Google Pay, Alipay, AlipayHK, and more.
Basic Information
Issuing Region: United States
Network: Visa
Settlement Currency: USD
Card Type: Virtual Card
Transaction Fees
Transaction Fee: 1%
Cross-Border Fee:
USD Region Transactions: 0%
Non-USD Region Transactions: 1.6%
Authorization Fee: -
🎁 Special Offer: Cards with "Lifetime Zero-Fee" status are exempt from the above fees. (Upgrade your card to enjoy lifetime zero-fee benefits.)
Other Fees
Issuance Fee: 4.99 USD (0 USD for your first card)
Monthly/Annual Management Fee: 0 USD (Original fee $0.5/month; waiver promotion currently active)
Recharge Fee: 0%
Refund Fee: 2.5%
⚠️ Decline Fee (Insufficent Funds/Declined Transactions): Bank fees incurred due to insufficient balance, frozen cards, or deactivated cards:
Auth amount ≥ 150% of balance: 5% of auth amount + 0.5 USD (Min 0.01 USD / Max 30 USD)
Auth amount 100% – 150% of balance: 2% of auth amount + 0.5 USD (Min 0.01 USD / Max 30 USD)
Zero-Fee Cards: 2% of auth amount (Min 0.01 USD / Max 30 USD)
Important Notice: To maintain a healthy payment environment and card stability, the bank will dynamically adjust fees based on the account's Chargeback Rate. The bank reserves the right to adjust decline fees based on performance data. Please use your card responsibly to minimize decline risks.
Transaction Reversal Fee:
Auth amount ≥ 5 USD: 1 USD per transaction
Auth amount < 5 USD: 0.2 USD per transaction
Dispute Handling Fee: 50 USD per transaction. If a dispute arises with a merchant or platform requiring bank intervention, a 50 USD fee applies regardless of the outcome.
Card Deactivation Fee: Please refer to the Deactivation Guidelines.
Card Rules
Initial Deposit: Minimum 10 USD.
Recharge: Minimum 1 USD (Integer amounts only).
⚠️ Balance Transfer: A minimum of 10 USD must remain on the card; transfers must be in integer amounts.
⚠️ Bank Freeze/Unfreeze:
Cards with a balance below 2 USD will be frozen automatically.
Recharging to 10 USD or more will automatically unfreeze the card.
⚠️ Automatic Card Deactivation:
Balance falls below 0 USD.
5 consecutive failed transactions (Declined).