Suitable for daily online and offline spending, cross-border travel, and various subscription payments. Supports Apple Pay, Google Pay, Alipay, and AlipayHK.
Basic Information
Issuing Region: United States
Card Network: Visa
Currency: USD
Card Type: Virtual Card
Transaction Fees
Transaction Fee: 1%
Cross-Border Transaction Fee:
USD Transactions: 0%
Non-USD Transactions: 1.5%
Authorization Fee: $0.10 USD per transaction (For $0.00 authorization only)
Special Offer: 🎁 Lifetime Zero-Fee Membership waives the above fees (Note: The "Zero-Fee Trial" does not waive authorization fees. Upgrade your card to activate Lifetime Zero-Fee benefits).
Other Fees
Issuance Fee: $4.99 USD (First card is $0 USD for new users).
Monthly/Annual Maintenance Fee: $0 USD (Standard fee of $0.50/month is currently waived under a long-term promotion).
Top-up Fee: 0%
Refund Fee: 2.5%
⚠️ Decline Fee: Bank charges incurred due to transaction failures caused by insufficient balance, frozen cards, or deactivated cards.
$0.50 USD / txn (1st & 2nd transactions per calendar month)
$1.00 USD / txn (3rd & 4th transactions per calendar month)
$5.00 USD / txn (From the 5th transaction onwards per calendar month)
Important Statement: To maintain the payment environment and card stability, the bank will dynamically adjust fees based on the account's actual Chargeback Rate. The bank reserves the right to adjust decline fees based on performance. Please ensure compliant card usage to minimize risks.
Transaction Reversal Fee:
Authorized amount ≥ $5 USD: $1.00 USD per transaction.
Authorized amount < $5 USD: $0.20 USD per transaction.
Dispute Resolution Fee: $50 USD per transaction. This fee applies if the bank is required to intervene in a dispute with a merchant or platform, regardless of the outcome.
Card Cancellation Policy
Free-to-Apply Cards: A cancellation fee of $4.99 USD applies, and any cashback earned on the card will be clawed back (if applicable).
Waiver Clause: The fee will be waived if the card has more than 20 successful non-zero authorized transactions and a cumulative spend of at least $1,000 USD.
Paid-to-Apply Cards: $0 USD (Free of charge).
Card Guidelines
Top-up Requirements: Minimum initial top-up of $50 USD. Subsequent top-ups must be a minimum of $10 USD in whole increments.
Balance Transfer: A minimum balance of $20 USD must remain in the card account when transferring funds out. Transfers must be in whole increments.
Freezing/Unfreezing: The card will be frozen if the balance falls below $5 USD. It will automatically unfreeze once the balance is topped up to $20 USD or more.
Card Termination (By Bank):
Balance falls below $1 USD.
Five (5) consecutive declined transactions due to insufficient funds/risk.
The cancellation cycle is one calendar month. Cancellation may be reversed if a reversal credit (re-charge) is processed within this period.