# Kem Card vs. uCards Virtual Card: fees, limits & KYC

- uCards Virtual Card ask for the least (No ID).
- uCards Virtual Card has the higher score (64.75).

## Basics

|  | Kem Card | uCards Virtual Card |
| --- | --- | --- |
| **Card form** | debit | prepaid |
| **Card types** | virtual, physical | virtual |
| **Card network** | Visa | unknown |
| Custody | custodial | custodial |
| Funding model | stablecoin balance | stablecoin balance |
| Card currencies | USD | USD |
| Usage | personal | personal |
| **Issuer / BIN sponsor** | Third National | unknown |
| **Limits depend on** | not published | unknown |
| **Cards per account** | unknown | not applicable |

## Availability

|  | Kem Card | uCards Virtual Card |
| --- | --- | --- |
| Available in | unknown | unknown |

## Crypto

|  | Kem Card | uCards Virtual Card |
| --- | --- | --- |
| Supported assets | USDT | USDT |
| Number of supported assets | unknown | unknown |
| **Top-up networks** | Ethereum, Polygon, Arbitrum, Optimism | Ethereum, Tron, BNB Smart Chain |
| **Fiat top-up** | Yes | No |

## Payments

|  | Kem Card | uCards Virtual Card |
| --- | --- | --- |
| **Mobile wallets** | Apple Pay | unknown |
| **ATM withdrawals** | Yes | No |
| **Contactless** | Yes | No |

## Fees

|  | Kem Card | uCards Virtual Card |
| --- | --- | --- |
| **Virtual card issuance** | 0.00 USD | unknown |
| **Physical card issuance** | 0.00 USD | not applicable |
| Free cards | unknown | unknown |
| **Shipping** | not published | not applicable |
| Monthly fee | 0.00 USD | 0.00 USD |
| Annual fee | 0.00 USD | 0.00 USD |
| **Top-up fee** | not published | unknown |
| Crypto deposit fee | unknown | unknown |
| Crypto conversion fee | unknown | unknown |
| **Foreign currency fee** | 3 % | unknown |
| FX free allowance | unknown | unknown |
| Minimum FX fee | unknown | unknown |
| **ATM fee** | only in the app | not applicable |
| **Transaction fee** | 1 % | unknown |
| Cross-border fee | unknown | unknown |
| Withdrawal fee | unknown | unknown |
| Activation fee | unknown | unknown |
| Minimum top-up | unknown | unknown |
| Declined payment fee | unknown | unknown |
| Refund fee | unknown | unknown |
| **Inactivity fee** | not published | 0.00 USD |
| Minimum monthly spend | unknown | unknown |
| **Inactivity rule** | The account remains active after a long period without use; no inactivity period is specified. | unknown |
| **Card replacement** | not published | unknown |

## Rewards

|  | Kem Card | uCards Virtual Card |
| --- | --- | --- |
| **Cashback** | 2–5 % | unknown |
| Referral bonus (invited friend) | unknown | unknown |
| Referral bonus (you) | unknown | unknown |
| Welcome bonus | unknown | unknown |

## Limits (entry level)

|  | Kem Card | uCards Virtual Card |
| --- | --- | --- |
| Limits (entry level) | no limits captured | no limits captured |

- [Kem Card](https://cryptocardss.com/en/kem-card.md)
- [uCards Virtual Card](https://cryptocardss.com/en/ucards-virtual-card.md)

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- **Canonical URL:** https://cryptocardss.com/en/compare/kem-card-vs-ucards-virtual-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/kem-card-vs-ucards-virtual-card/