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Comparison

Cardtonic Virtual USD Card vs. Fizen Crypto Card: fees, limits & KYC

In short

  • Cardtonic Virtual USD Card has the lowest monthly fee (0.00 USD).
  • Fizen Crypto Card has the best score (59.67).
Show

differs best value same for all

Attribute Illustration: Regular Cardtonic Virtual USD CardCardtonic Adventure Card Fizen Crypto CardFizen
Overview Requires KYC Private Virtual Requires KYC Private Virtual Physical Metal
Score average average
CostsWeight 25 % 84 74
KYC and privacyWeight 20 % 35 35
FeaturesWeight 15 % 67 55
AvailabilityWeight 10 % 0 not scored
RewardsWeight 10 % not scored 100
TrustWeight 10 % 68 59
CommunityWeight 10 % not scored not scored
KYC KYC: ID document, ID + proof of address for higher volumes KYC: ID document
Limits (entry level) Basic KYC
  • Top-up per transaction: no limit
  • Top-up per transaction: 50,000 USD
  • Spending per day: 1,000,000 USD
  • Spending per month: 1,000,000 USD
+5
Basics
Card form (differs)
debit help.cardtonic.com checked 30 Oct 2026
prepaid docs.fizen.io checked 30 Oct 2026
Card typessame for all
virtual help.cardtonic.com checked 30 Oct 2026
virtual fizen.io checked 30 Oct 2026
Card network
unknown
Visa docs.fizen.io checked 30 Oct 2026
Custodysame for all
custodial cardtonic.com checked 30 Oct 2026
custodial docs.fizen.io checked 30 Oct 2026
Funding modelsame for all
stablecoin balance help.cardtonic.com checked 30 Oct 2026
stablecoin balance docs.fizen.io checked 30 Oct 2026
Card currenciessame for all
USD help.cardtonic.com checked 30 Oct 2026
USD docs.fizen.io checked 30 Oct 2026
Usagesame for all
personal cardtonic.com checked 30 Oct 2026
personal docs.fizen.io checked 30 Oct 2026
Issuer / BIN sponsor
unknown
unknown
Limits depend onsame for all
KYC level help.cardtonic.com checked 30 Oct 2026
KYC level docs.fizen.io checked 30 Oct 2026
Cards per account
unknown
unknown
Unknown for allIssuer / BIN sponsor · Cards per account
Availability
Available in (differs)
Available in: Ghana, Nigeria help.cardtonic.com checked 30 Oct 2026
only in the app docs.fizen.io checked 30 Oct 2026
Crypto
Supported assetssame for all
USDT, USDC help.cardtonic.com checked 30 Oct 2026
USDT, USDC docs.fizen.io checked 30 Oct 2026
Number of supported assets
unknown
unknown
Top-up networks (differs)
Ethereum, Tron, BNB Smart Chain, Solana, Polygon, Arbitrum, Base, TON help.cardtonic.com checked 30 Oct 2026
Solana docs.fizen.io checked 30 Oct 2026
Fiat top-up (differs)
Yes help.cardtonic.com checked 30 Oct 2026
No docs.fizen.io checked 30 Oct 2026
Unknown for allNumber of supported assets
Payments
Mobile walletssame for all
Apple Pay Google Pay help.cardtonic.com checked 30 Oct 2026
Apple Pay Google Pay docs.fizen.io checked 30 Oct 2026
ATM withdrawals (differs)
No help.cardtonic.com checked 30 Oct 2026
Yes docs.fizen.io checked 30 Oct 2026
Contactlesssame for all
Yes help.cardtonic.com checked 30 Oct 2026
Yes docs.fizen.io checked 30 Oct 2026
Fees
Virtual card issuance (differs)
1.50 USD help.cardtonic.com checked 30 Oct 2026
9.99 USD docs.fizen.io checked 30 Oct 2026
Physical card issuance
not applicable cardtonic.com checked 30 Oct 2026
unknown
Free cards
unknown
unknown
Shipping
unknown
unknown
Monthly fee (differs)
0.00 USD cardtonic.com checked 30 Oct 2026
1.50 USD docs.fizen.io checked 30 Oct 2026
Annual fee
unknown
unknown
Top-up fee (differs)
2 % help.cardtonic.com checked 30 Oct 2026
free (Only the on-chain gas fee applies; free from both the Fizen Wallet and the QR Pay account) docs.fizen.io checked 30 Oct 2026
Crypto deposit fee
0.5 % help.cardtonic.com checked 30 Oct 2026
unknown
Crypto conversion fee
unknown
0.5 % docs.fizen.io checked 30 Oct 2026
Foreign currency fee
unknown
1 % docs.fizen.io checked 30 Oct 2026
FX free allowance
unknown
unknown
Minimum FX fee
unknown
unknown
ATM fee (differs)
not applicable help.cardtonic.com checked 30 Oct 2026
1.5 % + 2.00 USD (Free first withdrawal up to $200/month) docs.fizen.io checked 30 Oct 2026
Transaction fee
unknown
0.50 USD (Applies to card transactions under $50) docs.fizen.io checked 30 Oct 2026
Cross-border fee
unknown
unknown
Withdrawal fee
1.00 USD help.cardtonic.com checked 30 Oct 2026
unknown
Activation fee
unknown
unknown
Minimum top-up (differs)
5.00 USD help.cardtonic.com checked 30 Oct 2026
10.00 USD docs.fizen.io checked 30 Oct 2026
Declined payment fee (differs)
0.50 USD help.cardtonic.com checked 30 Oct 2026
0.00 USD docs.fizen.io checked 30 Oct 2026
Refund fee
unknown
unknown
Inactivity fee
unknown
unknown
Minimum monthly spend
unknown
500.00 USD docs.fizen.io checked 30 Oct 2026
Inactivity rule (differs)
not published help.cardtonic.com checked 30 Oct 2026
Cards may be closed automatically after an extended period of inactivity once 3 months of maintenance fees ($1.50/month) have gone unpaid; spend at least $500/month to keep the fee waived. docs.fizen.io checked 30 Oct 2026
Card replacement
unknown
unknown
Unknown for allFree cards · Shipping · Annual fee · FX free allowance · Minimum FX fee · Cross-border fee · Activation fee · Refund fee · Inactivity fee · Card replacement
Rewards
Cashback
unknown
10 % blog.fizen.io checked 30 Oct 2026
Referral bonus (invited friend) (differs)
not published help.cardtonic.com checked 30 Oct 2026
10 USD docs.fizen.io checked 30 Oct 2026
Referral bonus (you) (differs)
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
10 USD docs.fizen.io checked 30 Oct 2026
Welcome bonus
unknown
unknown
Unknown for allWelcome bonus

Values of the chosen variant; without a choice the entry variant (first in the provider's order).

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