# Airtm USD Virtual Prepaid Card vs. Cardtonic Virtual USD Card: fees, limits & KYC

- Cardtonic Virtual USD Card has the best score (56.44).

Entry variant: Cardtonic Virtual USD Card: Regular.

## Basics

|  | Airtm USD Virtual Prepaid Card | Cardtonic Virtual USD Card |
| --- | --- | --- |
| **Card form** | prepaid | debit |
| Card types | virtual | virtual |
| Card network | Visa | unknown |
| Custody | unknown | custodial |
| Funding model | stablecoin balance | stablecoin balance |
| Card currencies | USD | USD |
| Usage | personal | personal |
| Issuer / BIN sponsor | Lead Bank | unknown |
| Limits depend on | unknown | KYC level |
| Cards per account | unknown | unknown |

## Availability

|  | Airtm USD Virtual Prepaid Card | Cardtonic Virtual USD Card |
| --- | --- | --- |
| **Available in** | not published | Available in: Ghana, Nigeria |

## Crypto

|  | Airtm USD Virtual Prepaid Card | Cardtonic Virtual USD Card |
| --- | --- | --- |
| **Supported assets** | USDC | USDT, USDC |
| Number of supported assets | unknown | unknown |
| Top-up networks | unknown | Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, TON |
| Fiat top-up | unknown | Yes |

## Payments

|  | Airtm USD Virtual Prepaid Card | Cardtonic Virtual USD Card |
| --- | --- | --- |
| Mobile wallets | Apple Pay, Google Pay | Apple Pay, Google Pay |
| ATM withdrawals | unknown | No |
| Contactless | unknown | Yes |

## Fees

|  | Airtm USD Virtual Prepaid Card | Cardtonic Virtual USD Card |
| --- | --- | --- |
| **Virtual card issuance** | 0.00 USD | 1.50 USD |
| Physical card issuance | not applicable | not applicable |
| Free cards | unknown | unknown |
| Shipping | unknown | unknown |
| Monthly fee | 0.00 USD | 0.00 USD |
| Annual fee | unknown | unknown |
| **Top-up fee** | only in the app | 2 % |
| Crypto deposit fee | unknown | 0.5 % |
| Crypto conversion fee | unknown | unknown |
| Foreign currency fee | unknown | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| ATM fee | unknown | not applicable |
| Transaction fee | unknown | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | 1.00 USD |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | 5.00 USD |
| Declined payment fee | unknown | 0.50 USD |
| Refund fee | unknown | unknown |
| Inactivity fee | only in the app | unknown |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | If no load is made in the last 30 days an inactivity fee is deducted from the card balance; a card with no balance and no loads for 180 days is deleted automatically. | not published |
| Card replacement | unknown | unknown |

## Rewards

|  | Airtm USD Virtual Prepaid Card | Cardtonic Virtual USD Card |
| --- | --- | --- |
| Cashback | unknown | unknown |
| Referral bonus (invited friend) | unknown | not published |
| Referral bonus (you) | unknown | 10% of the invited user's reward points on every transaction they make, for life; no cap on earnings; points redeemable for cash |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Airtm USD Virtual Prepaid Card | Cardtonic Virtual USD Card |
| --- | --- | --- |
| Limits (entry level) | Spending per day 2,000 USD | Basic KYC: Top-up per transaction no limit |

- [Airtm USD Virtual Prepaid Card](https://cryptocardss.com/en/airtm-usd-virtual-prepaid-card.md)
- [Cardtonic Virtual USD Card](https://cryptocardss.com/en/cardtonic-virtual-usd-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/airtm-usd-virtual-prepaid-card-vs-cardtonic-virtual-usd-card/
- **As of:** 30 Oct 2026
- **Data licence:** CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/)

Please cite: Source: cryptocardss.com (cryptovss), as of 30 Oct 2026, https://cryptocardss.com/en/compare/airtm-usd-virtual-prepaid-card-vs-cardtonic-virtual-usd-card/