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Methodology

This page explains where our data comes from and how total cost is calculated.

Data sources

  1. For each card, open the issuer's official fee page and KYC/help pages, fill in each field and record the source URL and check date.
  2. When an issuer's pages contradict each other, we show both statements.

Multi-region cards

Bybit Card, Crypto.com Visa Card, MetaMask Card and others price by issuing region or tier. We choose one baseline region or tier per card and state it on the review — for example the Asia Pacific card for Bybit and the Singapore non-resident Midnight tier for Crypto.com. Amounts published in currencies other than USD are not converted.

How total cost is calculated

Every review uses the same assumptions: open one virtual card for the first time, top up 1,000 USDT once (1 USDT = 1 USD), spend it over 10 purchases, and calculate what can be spent at a USD merchant and at a non-USD merchant.

Spendable = (1000 − issuance − 1000 × top-up rate − fixed top-up fee − per-authorization fee × 10) ÷ [(1 + spend rate) × (1 + FX rate)]
Total cost = 1 − spendable ÷ 1000

On-chain gas varies by chain and exchange and is excluded. A total cost shown with "≥" is a lower bound.

Updates and corrections

The current site-wide check date is 2026-11-10. When an issuer changes policy, we update the field and its check date, and document-policy changes are appended to the change log on the KYC policy table. To report an error, contact us via the about page.