Comparison
Agora Card vs. Cardtonic Virtual USD Card: fees, limits & KYC
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Agora CardAgora Cards
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Illustration
Drawn by us from the provider logo and card colours, not the official card picture.
Drawn on
Cardtonic Virtual USD CardCardtonic
In short
- Fewest documents: Agora Card (No ID).
- Agora Card has the best score (61.53).
| Attribute |
Agora CardAgora Cards
|
Cardtonic Virtual USD CardCardtonic
|
|---|---|---|
| Overview | No KYC Virtual Physical | Requires KYC Private Virtual |
| Score | average | average with variant Platinum: 54.98 |
| CostsWeight 25 % | 50 | 84 |
| KYC and privacyWeight 20 % | 70 | 35 |
| FeaturesWeight 15 % | 73 | 67 |
| AvailabilityWeight 10 % | 95 | 0 |
| RewardsWeight 10 % | not scored | not scored |
| TrustWeight 10 % | 45 | 83 |
| CommunityWeight 10 % | not scored | not scored |
| KYC | KYC: No ID | KYC: ID document, ID + proof of address for higher volumes |
| Limits (entry level) |
|
Basic KYC
|
| Basics | ||
| Card formsame for all | unknown |
debit
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
Select "Debit Card", then "Enter card details manually".Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card types (differs)same for all |
virtual, physical
agora.cards checked 29 Oct 2026
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agora.cards
Wording at the source
Virtual or physical, both offer complete privacy and securityChecked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
virtual
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
The Cardtonic Virtual Dollar Card is a digital card for making online payments, subscriptions, and international purchases in USD on any platform that accepts Visa or Mastercard.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card networksame for all |
not published
agora.cards checked 29 Oct 2026
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agora.cards
Wording at the source
Accepted worldwide wherever major card networks are supported.Checked Verified Check overdue · last 29 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Custodysame for all |
custodial
agora.cards checked 28 Oct 2026
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agora.cards
Wording at the source
Agora supports a segmented custody strategy, not self-custody of the card balance. Assets stay under the user's keys while they remain in a personal wallet. Once loaded to a card, funds are held by li...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
custodial
cardtonic.com checked 30 Oct 2026
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cardtonic.com
Wording at the source
No. The USD Wallet is a digital wallet within Cardtonic for holding and using your USD balance. It is not a traditional USD bank account.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Funding modelsame for all |
stablecoin balance
agora.cards checked 28 Oct 2026
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Source
agora.cards
Wording at the source
Agora Cards provides virtual and physical cards funded with USDT or USDC. The purpose is straightforward: let users keep long-term holdings in their own wallets, then move an appropriate amount into a...Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
stablecoin balance
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
On Cardtonic, you can use stablecoins like USDT and USDC to fund your USD Wallet, giving you a simple way to bring dollar value into Cardtonic and use it across the app.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card currenciessame for all |
USD
agora.cards checked 29 Oct 2026
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agora.cards
Wording at the source
Issued in USD and automatically converts to any local currency at competitive rates.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
USD
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
All cards are denominated in USD only.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Usagesame for all | unknown |
personal
cardtonic.com checked 30 Oct 2026
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cardtonic.com
Wording at the source
Not be less than 18 years of age as an individual and must possess the authority to accept the terms of use on behalf of or if it's a company.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Issuer / BIN sponsorsame for all |
not published
agora.cards checked 30 Oct 2026
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agora.cards
Wording at the source
We describe the service as privacy-focused because we collect only what is strictly necessary. That does not mean card use is anonymous. Stablecoin transfers occur on blockchains, and card transaction...Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 29 Oct 2026 What does [s] mean? |
|
| Limits depend on (differs)same for all |
plan
agora.cards checked 29 Oct 2026
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agora.cards
Wording at the source
Everything in Basic and higher limits for maximum freedom.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
KYC level
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
KYC is required before you can top up and to increase your daily withdrawal limit.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Cards per accountsame for all | unknown | |
| Unknown for all | Cards per account | |
| Availability | ||
| Available in (differs)same for all |
Not available in 24 countries and regions
agora.cards checked 29 Oct 2026
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agora.cards
Wording at the source
## Unsupported Regions Due to regulatory requirements, we cannot currently serve the following regions ### Africa Somalia Central African Republic DR Congo Guinea-Bissau Libya Mali South Sudan Suda...Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Available in: Ghana, Nigeria
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
The Virtual Dollar Card is now available to both Nigerian and Ghanaian users.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto | ||
| Supported assetssame for all |
USDT, USDC
agora.cards checked 29 Oct 2026
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agora.cards
Wording at the source
Spend your stablecoins anywhere with complete privacy. Backed by USDT & USDC, accepted worldwide.Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
USDT, USDC
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
| USDT | Tron (TRC20), Ethereum (ERC20), Solana, Polygon, BNB Smart Chain, TON |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Number of supported assetssame for all | unknown | |
| Top-up networkssame for all | unknown |
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, TON
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
| USDT | Tron (TRC20), Ethereum (ERC20), Solana, Polygon, BNB Smart Chain, TON |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fiat top-upsame for all | unknown |
Yes
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
3. Select your preferred currency: Naira, USD, GHS, KES, or ZAR.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Unknown for all | Number of supported assets | |
| Payments | ||
| Mobile walletssame for all |
Apple Pay
Google Pay
agora.cards checked 28 Oct 2026
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agora.cards
Wording at the source
Apple Pay and Google Wallet support is offered for both cards, subject to the wallet provider's country, device and issuer eligibility requirements.Checked Verified Check overdue · last 28 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
Apple Pay
Google Pay
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
Your Cardtonic Platinum Card can be added to Apple Pay or Google Pay for quick, contactless payments from your phone.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| ATM withdrawalssame for all | unknown |
No
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
The Cardtonic Virtual Dollar Card is a digital card for making online payments, subscriptions, and international purchases in USD on any platform that accepts Visa or Mastercard.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Contactlesssame for all | unknown |
Yes
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
Your Cardtonic Platinum Card can be added to Apple Pay or Google Pay for quick, contactless payments from your phone.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Fees | ||
| Virtual card issuancesame for all | unknown |
1.50 USD
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
| Card creation | $1.50 (Regular) / $5.00 (Platinum) |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean?
5.00 USD
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
| Card creation | $1.50 (Regular) / $5.00 (Platinum) |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Physical card issuancesame for all | unknown |
not applicable
cardtonic.com checked 30 Oct 2026
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cardtonic.com
Wording at the source
Enjoy a simpler way to pay globally, without carrying a physical card or opening a domiciliary account.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Free cardssame for all | unknown | |
| Shippingsame for all | unknown | |
| Monthly feesame for all | unknown |
0.00 USD
cardtonic.com checked 30 Oct 2026
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cardtonic.com
Wording at the source
A one-time $1.5 issuance fee with no maintenance feeChecked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Annual feesame for all | unknown | |
| Top-up feesame for all | unknown |
2 %
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
| Funding | 2% per transaction |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto deposit feesame for all | unknown |
0.5 %
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
Please note: A stablecoin deposit fee of 0.5% applies on every deposit.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Crypto conversion feesame for all | unknown | |
| Foreign currency feesame for all |
1.5 %
agora.cards checked 29 Oct 2026
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agora.cards
Wording at the source
| FX Fee | 1.5% | 1.5% |Checked Verified Check overdue · last 29 Oct 2026 Value wrong? Unchanged since 28 Oct 2026 What does [s] mean? |
|
| FX free allowancesame for all | unknown | |
| Minimum FX feesame for all | unknown | |
| ATM feesame for all | unknown |
not applicable
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
The Cardtonic Virtual Dollar Card is a digital card for making online payments, subscriptions, and international purchases in USD on any platform that accepts Visa or Mastercard.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Transaction feesame for all | unknown | |
| Cross-border feesame for all | unknown | |
| Withdrawal feesame for all | unknown |
1.00 USD
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Withdrawal fees: The minimum withdrawal from your Virtual Dollar Card is $2. A $1 fee applies per withdrawal.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Activation feesame for all | unknown | |
| Minimum top-upsame for all | unknown |
5.00 USD
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
Loading limit: Minimum $5. No maximum.Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Declined payment feesame for all | unknown |
0.50 USD
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
| Declined transaction | $0.50 |Checked Verified Check overdue · last 30 Oct 2026 Value wrong? Unchanged since 30 Oct 2026 What does [s] mean? |
| Refund feesame for all | unknown | |
| Inactivity feesame for all | unknown | |
| Minimum monthly spendsame for all | unknown | |
| Inactivity rulesame for all | unknown |
not published
help.cardtonic.com checked 30 Oct 2026
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help.cardtonic.com
Wording at the source
A card is also terminated automatically if it has more than 20 declined transactions in a month.Checked Verified Check overdue · last 30 Oct 2026 Add this value? Unchanged since 30 Oct 2026 What does [s] mean? |
| Card replacementsame for all | unknown | |
| Unknown for all | Free cards · Shipping · Annual fee · Crypto conversion fee · FX free allowance · Minimum FX fee · Transaction fee · Cross-border fee · Activation fee · Refund fee · Inactivity fee · Minimum monthly spend · Card replacement | |
| Rewards | ||
| Cashbacksame for all | unknown | |
| Referral bonus (invited friend)same for all | unknown |
not published
help.cardtonic.com checked 30 Oct 2026
Source and check
Source
help.cardtonic.com
Wording at the source
Share your unique referral code with friends. When they register and complete a transaction, you earn 10% of their reward points on every transaction they make, for life. There is no limit to how much...Checked Verified Add this value? No earlier versions What does [s] mean? |
| Referral bonus (you)same for all | unknown |
10% of the invited user's reward points on every transaction they make, for life; no cap on earnings; points redeemable for cash
help.cardtonic.com checked 30 Oct 2026
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Source
help.cardtonic.com
Wording at the source
Share your unique referral code with friends. When they register and complete a transaction, you earn 10% of their reward points on every transaction they make, for life. There is no limit to how much...Checked Verified Value wrong? No earlier versions What does [s] mean? |
| Welcome bonussame for all | unknown | |
| Unknown for all | Cashback · Welcome bonus | |
Values of the chosen variant; without a choice the entry variant (first in the provider's order).
Early warning
Watch both cards
One mail when something changes at Agora Card · Cardtonic Virtual USD Card: promotions and bonuses as well as warnings and incidents.