Four tiers, from $25 to $599. The differences that matter are delivery, minimum top-up and customisation — and the sticker price is not what you actually pay. Here is how to pick without overbuying.
Start with the real cost
The headline price is the card. It is not the amount you pay at checkout, because every tier has a minimum top-up — the balance loaded onto the card so it works when it arrives. Your first payment is card price plus that minimum.
| Tier | Card | Min top-up | First payment |
|---|---|---|---|
| Virtual | $25 | $100 | $125 |
| Core | $199 | $100 | $299 |
| Prime | $249 | $300 | $549 |
| Black | $599 | $1,000 | $1,599 |
The top-up is not a fee. It is your money, spendable on the card. But it does set the entry point: Black is not a $599 decision, it is a $1,599 one.
Virtual — $25
Online-only. The card number, expiry and CVV are sent to your email, usually the same day. Nothing ships, so there is no address to give and nothing to wait for.
This is the right starting point for most people. It is the cheapest way to find out whether a prepaid card does what you need, and because nothing is posted, it avoids the one unavoidably identifying step in buying a physical card.
- Choose it if you spend online, want to start today, or would rather not hand over a delivery address.
- Skip it if you need to pay in person, or want something to carry.
Core — $199
The entry metal card. A physical card that taps, swipes and inserts anywhere the network is accepted, with the same $100 minimum top-up as Virtual.
The jump from $25 to $199 buys one thing: a physical card. If you will genuinely use it in shops and restaurants, that is a reasonable trade. If you will not, you are paying $174 for an object.
Prime — $249
Core plus card customisation, with the minimum top-up stepping up to $300. The extra $50 over Core is modest; the extra $200 of required balance is the part to plan for.
Worth it if you intend to keep a few hundred dollars loaded anyway. If you plan to run a low balance and reload often, the higher minimum works against you.
Black — $599
The top tier: full custom design — luxury finish, colour, engraving and personal artwork — with a $1,000 minimum top-up.
This is a preference purchase, and that is fine as long as it is a clear-eyed one. Black does not spend differently from Virtual. What it buys is the object and the customisation.
Every tier is the same underlying product: a prepaid balance you load with crypto and spend on a card network. The tiers differ in form, not in function.
A shortcut
- Do you need to pay in person? No → Virtual. Stop here; it is the cheapest correct answer.
- Yes, and you want it plain? → Core.
- Yes, and you want it customised? → Prime, if a $300 standing balance suits you.
- Yes, and the design is the point? → Black, budgeting $1,599 up front.
What every tier shares
- No government ID, no KYC documents, no proof of address.
- Registration with an email and password only.
- Funding in USDT (TRC20), BTC, ETH (ERC20) or USDC (ERC20).
- Spending anywhere the card network is accepted.
- Reloading at any time — the minimum applies to the first load, not every load.
Metal cards ship to a real address. If that matters to you, Virtual avoids the step entirely — see the privacy habits guide.