Suitable for daily online and offline spending, cross-border dining and travel, and various subscription payments (including AI subscriptions). Supports Apple Pay, Google Pay, and more.
Basic Information
Issuing Region: United States
Card Scheme: Visa
Billing Currency: USD
Card Type: Virtual Card
Validity Period: 3 years
3DS Verification: Not supported
AVS Verification: Not supported
Apple Pay: Supported
Google Pay: Supported
Transaction Fees
Transaction Fee: 1.1%
Cross-Border Fee:
0% for USD transactions
1.6% for non-USD transactions
Authorization Fee:
0.1 USD for zero-amount authorizations ($0 auth)
0.2 USD for non-zero authorizations
Zero-fee benefit trials or tier upgrades are not supported.
Chargeback Deposit
Chargeback Deposit: 50 USD, with a fixed 5% annualized yield.
Other Fees
Card Issuance Fee: 4.99 USD (0 USD for the user’s first card)
Monthly / Annual Maintenance Fee: 0 USD (regularly $0.5/month, currently waived under a long-term promotion)
Top-Up Fee: 0%
Refund Fee: 2.5%
⚠️ Declined Transaction Fee: Bank fees incurred when transactions fail due to insufficient balance, card freeze, card deactivation, or card cancellation:
First 3 declines per month: 0.5 USD each
From the 4th decline per month onward: 1 USD each
‼️ Authorization attempts within 90 days after card cancellation will still incur decline fees. Please ensure you unbind the card and cancel all active subscriptions before closing the card.
Important Notice: To maintain platform payment security and card stability, the bank dynamically adjusts relevant fees based on each account’s actual chargeback rate. The bank reserves the right to adjust decline/chargeback fees based on historical performance. Please use your card compliantly to minimize risk.
Transaction Reversal Fee: 1 USD per transaction
Dispute Handling Fee: 50 USD. If a dispute arises with a merchant or payment platform and requires bank intervention, a 50 USD processing fee will be charged per transaction regardless of the outcome.
Card Cancellation Fee:
Free Issued Cards: 4.99 USD, plus clawback of any earned cashback. The fee is waived if the card has completed more than 20 non-zero transactions and an aggregate spend exceeding 1,000 USD.
Paid Issued Cards: 0 USD
Card Rules
Initial top-up starts at 20 USD. Subsequent top-ups start at 1 USD (whole dollar amounts only).
⚠️ When transferring balance out, a minimum balance of 20 USD must be retained (whole dollar amounts only).
⚠️ Bank Freeze / Unfreeze: The card is frozen if the balance falls below 5 USD; it will automatically unfreeze once topped up to at least 20 USD.
⚠️ Bank Card Cancellation:
Balance falls below 0 USD.
5 consecutive declined transactions.
‼️ Pending Cancellation Status: Top up the balance to >= 20 USD within 72 hours to reactivate the card.
‼️ If any authorization attempt occurs while the card is in pending cancellation status, the bank will terminate the card immediately.