{
  "schema": "https://usdtcard.net/data/fees.json",
  "generated": "2026-05-18T00:00:00Z",
  "source": "issuer official fee pages (see feeSourceUrl per card)",
  "methodology": "https://usdtcard.net/methodology",
  "cards": [
    {
      "slug": "mpcard",
      "name": "MPCard",
      "issuer": "MPChat (香港 + 萨尔瓦多 DASP 牌照 + 美国 MSB 注册)",
      "network": "Visa",
      "availability": "live",
      "kyc": "basic",
      "chains": [
        "trc20",
        "erc20"
      ],
      "fees": {
        "topupPct": 0,
        "fxPct": 0.6,
        "monthlyUsdt": 0,
        "atmPct": 2,
        "openingUsd": 9.9,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 0.6,
      "score": 8.4,
      "scoreBreakdown": {
        "fees": 9.5,
        "reliability": 7.5,
        "ux": 9.5,
        "compliance": 6.5
      },
      "lastTested": "2026-05-17",
      "feeSourceUrl": "https://help.mp.net/en/articles/12351033-mpchat-card-limits-and-fees",
      "editorsChoice": true
    },
    {
      "slug": "bybit-card",
      "name": "Bybit Card",
      "issuer": "Bybit (BVI / Dubai VARA / 欧盟 MiCAR)",
      "network": "Mastercard",
      "availability": "live",
      "kyc": "basic",
      "chains": [
        "trc20",
        "erc20"
      ],
      "fees": {
        "topupPct": 0.65,
        "fxPct": 0.65,
        "monthlyUsdt": 0,
        "atmPct": 2.5,
        "openingUsd": 0,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 0.65,
      "score": 8.1,
      "scoreBreakdown": {
        "fees": 8.5,
        "reliability": 8,
        "ux": 8,
        "compliance": 7.5
      },
      "lastTested": "2026-05-12",
      "feeSourceUrl": "https://www.bybit.com/en/help-center/article/Bybit-Card-FAQ",
      "editorsChoice": false
    },
    {
      "slug": "crypto-com-visa",
      "name": "Crypto.com Visa Card",
      "issuer": "Foris DAX MT (Crypto.com，多司法管辖区持牌)",
      "network": "Visa",
      "availability": "live",
      "kyc": "full",
      "chains": [
        "erc20",
        "arb",
        "polygon",
        "solana"
      ],
      "fees": {
        "topupPct": 0,
        "fxPct": 0.7,
        "monthlyUsdt": 0,
        "atmPct": 0,
        "openingUsd": 0,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 0.7,
      "score": 7.1,
      "scoreBreakdown": {
        "fees": 6.5,
        "reliability": 8,
        "ux": 6.5,
        "compliance": 8.5
      },
      "lastTested": "2026-05-17",
      "feeSourceUrl": "https://help.crypto.com/en",
      "editorsChoice": false
    },
    {
      "slug": "okx-card",
      "name": "OKX Card",
      "issuer": "OKX (塞舌尔 + 巴哈马 + 欧盟 MiFID 部分覆盖)",
      "network": "Mastercard",
      "availability": "live",
      "kyc": "basic",
      "chains": [
        "trc20",
        "erc20",
        "bsc",
        "polygon"
      ],
      "fees": {
        "topupPct": 0,
        "fxPct": 1.5,
        "monthlyUsdt": 0,
        "atmPct": 2,
        "openingUsd": 0,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 1.5,
      "score": 7.6,
      "scoreBreakdown": {
        "fees": 8,
        "reliability": 7.5,
        "ux": 7.5,
        "compliance": 7
      },
      "lastTested": "2026-05-14",
      "feeSourceUrl": "https://www.okx.com/account/card",
      "editorsChoice": false
    },
    {
      "slug": "bitget-wallet-card",
      "name": "Bitget Wallet Card",
      "issuer": "Bitget Wallet (新加坡 / 立陶宛 EMI)",
      "network": "Visa",
      "availability": "live",
      "kyc": "basic",
      "chains": [
        "trc20",
        "erc20",
        "bsc",
        "arb",
        "polygon"
      ],
      "fees": {
        "topupPct": 0,
        "fxPct": 1,
        "monthlyUsdt": 0,
        "atmPct": 0,
        "openingUsd": 0,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 1,
      "score": 7.3,
      "scoreBreakdown": {
        "fees": 8,
        "reliability": 7,
        "ux": 7.5,
        "compliance": 6.5
      },
      "lastTested": "2026-05-14",
      "feeSourceUrl": "https://web3.bitget.com/en/card",
      "editorsChoice": false
    },
    {
      "slug": "wirex",
      "name": "Wirex Multicurrency Card",
      "issuer": "Wirex (UK FCA 注册 + 立陶宛 EMI 牌照)",
      "network": "Visa",
      "availability": "live",
      "kyc": "full",
      "chains": [
        "erc20"
      ],
      "fees": {
        "topupPct": 1,
        "fxPct": 1.75,
        "monthlyUsdt": 0,
        "atmPct": 2,
        "openingUsd": 0,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 1,
      "score": 7.6,
      "scoreBreakdown": {
        "fees": 6.5,
        "reliability": 8.5,
        "ux": 7.5,
        "compliance": 8.5
      },
      "lastTested": "2026-05-13",
      "feeSourceUrl": "https://wirexapp.com/help/article/wirex-fees-faq-0289",
      "editorsChoice": false
    },
    {
      "slug": "bitpay-card",
      "name": "BitPay Card",
      "issuer": "BitPay (美国 49 州 MTL + NMLS 注册)",
      "network": "Mastercard",
      "availability": "live",
      "kyc": "full",
      "chains": [
        "erc20",
        "bsc",
        "polygon"
      ],
      "fees": {
        "topupPct": 0,
        "fxPct": 3,
        "monthlyUsdt": 5,
        "atmPct": 2.5,
        "openingUsd": 5,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 3,
      "score": 6.8,
      "scoreBreakdown": {
        "fees": 4.5,
        "reliability": 8,
        "ux": 7,
        "compliance": 9
      },
      "lastTested": "2026-05-12",
      "feeSourceUrl": "https://support.bitpay.com/hc/en-us/articles/360050776512-What-are-the-fees-on-the-BitPay-Card",
      "editorsChoice": false
    },
    {
      "slug": "metamask-card",
      "name": "MetaMask Card",
      "issuer": "Baanx (UK FCA 注册) × MetaMask (Consensys)",
      "network": "Mastercard",
      "availability": "live",
      "kyc": "full",
      "chains": [
        "linea",
        "erc20"
      ],
      "fees": {
        "topupPct": 1,
        "fxPct": 1,
        "monthlyUsdt": 0,
        "atmPct": 0,
        "openingUsd": 0,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 1,
      "score": 7.4,
      "scoreBreakdown": {
        "fees": 7,
        "reliability": 7.5,
        "ux": 7.5,
        "compliance": 8
      },
      "lastTested": "2026-05-14",
      "feeSourceUrl": "https://portfolio.metamask.io/card",
      "editorsChoice": false
    },
    {
      "slug": "ledger-crypto-life",
      "name": "Ledger Crypto Life Card",
      "issuer": "Baanx (UK FCA) × Ledger",
      "network": "Mastercard",
      "availability": "live",
      "kyc": "full",
      "chains": [
        "erc20",
        "polygon",
        "arb"
      ],
      "fees": {
        "topupPct": 1,
        "fxPct": 1,
        "monthlyUsdt": 0,
        "atmPct": 0,
        "openingUsd": 0,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 1,
      "score": 7.4,
      "scoreBreakdown": {
        "fees": 7,
        "reliability": 7.5,
        "ux": 7.5,
        "compliance": 8
      },
      "lastTested": "2026-05-17",
      "feeSourceUrl": "https://support.ledger.com/article/8082625070493-zd",
      "editorsChoice": false
    },
    {
      "slug": "redotpay",
      "name": "RedotPay Card",
      "issuer": "RedotPay (香港 + 立陶宛 EMI 牌照 + 美国 MSB 注册)",
      "network": "Mastercard",
      "availability": "live",
      "kyc": "basic",
      "chains": [
        "trc20",
        "erc20",
        "bsc"
      ],
      "fees": {
        "topupPct": 1,
        "fxPct": 2,
        "monthlyUsdt": 0,
        "atmPct": 1.5,
        "openingUsd": 10,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 1,
      "score": 6.6,
      "scoreBreakdown": {
        "fees": 5.5,
        "reliability": 7,
        "ux": 7.5,
        "compliance": 7
      },
      "lastTested": "2026-05-13",
      "feeSourceUrl": "https://www.redotpay.com/",
      "editorsChoice": false
    },
    {
      "slug": "onekey-card",
      "name": "OneKey Card",
      "issuer": "OneKey（2025 年正式停发）",
      "network": "Mastercard",
      "availability": "unavailable",
      "kyc": "full",
      "chains": [
        "erc20",
        "polygon",
        "arb"
      ],
      "fees": {
        "topupPct": 0.8,
        "fxPct": 0.8,
        "monthlyUsdt": 2.99,
        "atmPct": 1.5,
        "openingUsd": 15,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 0.8,
      "score": 6.6,
      "scoreBreakdown": {
        "fees": 7.5,
        "reliability": 2.5,
        "ux": 8.5,
        "compliance": 8
      },
      "lastTested": "2026-05-16",
      "feeSourceUrl": "https://help.onekey.so/en/articles/11461193-onekey-card-service-sunsetting-announcement",
      "editorsChoice": false
    },
    {
      "slug": "coinbase-card",
      "name": "Coinbase Card",
      "issuer": "Coinbase, Inc.（美国 49 州 MTL + FinCEN MSB）",
      "network": "Visa",
      "availability": "unavailable",
      "kyc": "full",
      "chains": [
        "erc20",
        "arb",
        "polygon"
      ],
      "fees": {
        "topupPct": 0,
        "fxPct": 2.49,
        "monthlyUsdt": 0,
        "atmPct": 2.5,
        "openingUsd": 0,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 2.49,
      "score": 5.9,
      "scoreBreakdown": {
        "fees": 5.5,
        "reliability": 3,
        "ux": 7,
        "compliance": 9
      },
      "lastTested": "2026-05-17",
      "feeSourceUrl": "https://help.coinbase.com/en/coinbase/getting-started/crypto-education/coinbase-card-fees",
      "editorsChoice": false
    },
    {
      "slug": "binance-card",
      "name": "Binance Card",
      "issuer": "Binance × Contis（欧盟，已停发）",
      "network": "Visa",
      "availability": "unavailable",
      "kyc": "basic",
      "chains": [
        "bsc",
        "erc20",
        "trc20"
      ],
      "fees": {
        "topupPct": 0,
        "fxPct": 0,
        "monthlyUsdt": 0,
        "atmPct": 1.9,
        "openingUsd": 0,
        "smallTxnUsd": null
      },
      "effectiveLossPct": 0,
      "score": 6.2,
      "scoreBreakdown": {
        "fees": 7,
        "reliability": 2.5,
        "ux": 8,
        "compliance": 7.5
      },
      "lastTested": "2026-05-17",
      "feeSourceUrl": "https://www.binance.com/en/support/announcement/discontinuation-of-binance-visa-debit-card-in-the-european-economic-area-eea-fea220a08bd0427fa83fd8ed87099d92",
      "editorsChoice": false
    }
  ]
}