USDT crypto card
An ExCards USDT card is a virtual Visa or Mastercard whose balance is held in USDT. You send USDT over TRC-20, ERC-20, BEP-20 or another supported network, and the card pays merchants in their currency. A card costs $29 to $50 once, each top-up 2% to 3.5%, and there is no monthly fee.
Get your card Compare cards
Why a USDT card makes sense
USDT is the default funding currency for ExCards. All three cards — Visa Universe, Visa E-commerce and Mastercard Business — hold their balance in USDT. You top up directly in USDT on any supported network (TRC-20, ERC-20, BEP-20, Polygon, Arbitrum, Optimism, Avalanche), and the balance becomes spendable at any merchant accepting Visa or Mastercard. There is no second conversion, no second fee — USDT in, fiat to the merchant, USDT debited from your card balance. Networks, fees and limits step by step are in the complete USDT card guide.
What you get
10-minute issuance
From signup to a working virtual card in under 10 minutes after passport verification.
Visa or Mastercard
Pick Visa Universe ($29) for everyday spending with the lowest top-up fee, Visa E-commerce ($35) for online-first spending with no daily or monthly limit, or Mastercard Business ($50) for offline POS and business limits. Apple Pay and Google Pay work on all three.
8 networks for top-up
ERC-20, TRC-20, BEP-20, Bitcoin, Polygon, Arbitrum, Optimism, Avalanche — all into one USDT balance.
Tariffs
Visa Universe
- Per transaction: $1,000,000
- Daily / Monthly: $3M / $3M
- Top-up fee: 2%
- Auth fee: $0.50
- Apple Pay / Google Pay: ✅
- Best for: everyday spending, lowest top-up fee
Visa E-commerce
- Per transaction: $20,000
- Daily / Monthly: Unlimited
- Top-up fee: 3.5%
- Auth fee: $0.10 (<$1), free above
- Apple Pay / Google Pay: ✅
- Best for: online services, ads, subscriptions, AI
Mastercard Business
- Per transaction: $250,000
- Daily / Monthly: $500K / $1M
- Top-up fee: 3.5%
- Auth fee: flat $0.50
- Apple Pay / Google Pay: ✅
- Best for: everything, online and offline
Rates as of October 10, 2026
Security and compliance
Cards are issued through licensed BIN sponsors. All authorizations go through 3D Secure 2.0. Top-up traffic uses TLS 1.3. Light KYC at issuance (an identity check with your passport, required for every card). Sanctions screening at issuance and per transaction against UN, EU, OFAC, UK HMT, and Swiss SECO lists. Full AML and KYC policies are published at /aml.html and /kyc.html.
Frequently asked questions
How long does issuance take?
Under 10 minutes from signup. Light KYC (passport scan) is verified by the card issuer partner, then the virtual card is ready in your wallet.
What is the total cost?
One-time card price ($29 Visa Universe, $35 Visa E-commerce or $50 Mastercard Business in USDT), plus a mandatory $10 USDT top-up that becomes your spendable balance, plus the top-up fee: 2% on Visa Universe, 3.5% on Visa E-commerce and Mastercard Business. No monthly fee.
Which currencies can I use for top-up?
USDT directly on any supported network: TRC-20, ERC-20, BEP-20, Polygon, Arbitrum, Optimism, Avalanche, or via Bitcoin. Other crypto (ETH, SOL, etc.) is converted to USDT at the moment of deposit confirmation.
Is KYC required?
Light KYC — an identity check with your passport, required for every card. KYC is mandatory for compliance with international AML rules. We do not store biometric data.
Where can I use the card?
Anywhere Visa or Mastercard is accepted, except in jurisdictions under sanctions (UN, EU, US, UK lists). All three cards work with Apple Pay and Google Pay; Visa E-commerce and Mastercard Business also pay in stores at contactless terminals.
Ready to get started?
Issue your card in under 10 minutes. Light KYC, no monthly fee, paid in USDT.
Get your card