Virtual Credit Card Pricing
Three fee points, one clear page
We only charge when money moves: 0.5% on deposit, cards from $1, top-ups from 0.5%. Spending is free, idling is free, and every fee reconciles against your statement.
Our pricing, three principles
The simpler the price structure, the less room to hide fees
Fully transparent pricing
All eight chargeable events are printed on this page — including the failed-transaction and refund fees this industry never publishes. What we charge and why, stated upfront, never discovered on your statement.
- —Failed-transaction and refund fees are on the price list too
- —Fee changes announced 15 days ahead, never retroactive
- —Every line item auditable and exportable in your dashboard
We don't profit from idle money
Revenue comes only from the three moments money actually moves: deposit, card issuance, card top-up. If you don't use it, we don't earn — a card untouched for a year costs you nothing, and no "maintenance fee" ever nibbles at your balance.
Volume up, price down — automatically
When your monthly top-up volume reaches a tier, the rate drops automatically, as low as 0.5%. No application, no negotiating with support — the tier applies for the whole month the moment you reach it.
Complete price list
Eight events, one table
| Item | Price | Notes |
|---|---|---|
| USDT deposit | Flat 0.5% | Depositing 35 or 50,000 costs the same rate — no threshold games |
| Card issuance | From $1 / card | Priced per BIN, shown live on the issuing page before you submit |
| Card top-up fee | 2% → 0.5% tiered<$1k: 2% · ≥$1k: 1.5% · ≥$5k: 1% · ≥$10k: 0.8% · ≥$50k: 0.5% | What you enter is what lands on the card, fee charged on top; tier set automatically by your monthly top-up volume, effective for the whole month |
| Spending fee | 0 | 1 transaction or 100, all free — no per-transaction minimum |
| Failed-transaction fee | Most cards: 0 | A few special BINs pass through the issuer's $0.6/attempt at cost, flagged on the issuing page |
| Refund fee | $1 each for first 2/month | Beyond that, tiered from 2% — an anti-abuse guard against subscribe-then-refund loops; normal users barely notice it |
| Card close-out | 0 | Remaining card balance returns to your account balance in full |
| Withdrawal / account close-out | $2 flat | On-chain transfer fee included, USDT returned to source; TRC20 needs ≥$12 balance, ERC20 ≥$3 |
First deposit? See the USDT deposit guide, or start with the buying USDT from zero guide.
Ads, AI subscriptions, business purchasing — each saves differently
Three core user types, three usage patterns, each with its own math
Ad campaigns: daily charges, no per-transaction markup
Facebook / Google / TikTok ad accounts charge daily; platforms that bill a fee per transaction eat tens of dollars a month. RDVCC charges zero spending fees no matter how many charges land, cards share one balance, and replacement cards issue in seconds.
AI subscriptions: the sticker price is what you pay
OpenAI / Anthropic / Midjourney subscriptions bind reliably in our testing. A $20 subscription bills exactly $20 — no per-transaction minimum, no FX markup, small charges don't get penalized.
Business purchasing: volume pricing that hugs the floor
Above $10,000/month the top-up fee starts at 0.8%; above $50,000 it's 0.5%, with total end-to-end loss of 1.0%. Statements export line by line, so finance never has to chase you.
The same money, on five platforms — how much can you actually spend?
Competitors computed at their published rates and tested prices; any disputed fee resolved in their favor. Every cell recomputable
| Monthly input | RDVCC | PokePay | VCard Lite | Ucards | AmzKeys |
|---|---|---|---|---|---|
| $100 | $96.573.4% loss1st · +$3.47 | $93.106.9% | $87.7012.3% | $89.2410.8% | $92.157.9% |
| $1,000 | $979.312.1% · 1.5% tier1st · +$4.21 | $975.102.5% | $966.673.3% | $953.514.6% | $947.695.2% |
| $5,000 | $4,924.751.5% · 1% tier1st · +$29.65 | $4,895.102.1% | $4,873.212.5% | $4,794.714.1% | $4,750.095.0% |
| $10,000 | $9,870.041.3% · 0.8% tier1st · +$74.94 | $9,795.102.0% | $9,756.392.4% | $9,596.214.0% | $9,503.095.0% |
| $50,000 | $49,501.491.0% · 0.5% tier1st · +$506.39 | $48,995.102.0% | $48,821.792.4% | $48,008.214.0% | $47,527.094.9% |
Method: usable = what actually reaches merchants after deposit, issuance, top-up and spending fees; first month includes card issuance. Competitors get the benefit of the doubt on every disputed fee. PokePay: $5 issuance, deposit fee counted as its advertised 0 (tests suggest 1%), 1% spending + 1% currency conversion (HKD-based card spending USD), cross-border fee counted as its advertised 0. VCard Lite: $10 issuance, 1.35% + $0.2 top-up, 1% spending assuming the $0.45/transaction minimum never triggers — real subscription charges of $20–30 do trigger it, adding roughly another percentage point. Ucards (ucards.cc): 1% + 4U deposit, issuance at the $3 lower bound, 3% top-up (tested 2026-07). AmzKeys: deposit at its 2% lower bound. Data as of 2026-08; official sites prevail.
Fee by fee, side by side
Ten fee points on the table, one by one
| Fee item | RDVCC | PokePay | VCard Lite | Ucards | AmzKeys |
|---|---|---|---|---|---|
| ① USDT deposit fee | Flat 0.5% | 0 (advertised) | — (direct to card) | 1% + 4U | 2%–3% |
| ② Card issuance | From $1 / card | $5 / card | $10 | $3–5 | ≈$3 |
| ③ Balance→card top-up | Tiered 2% → 0.5% (monthly volume) | — (direct to card) | 1.35% + $0.2/tx | 3% | 3% |
| ④ Minimum deposit / top-up | Deposit 35U · top-up $2 | Undisclosed | — | Deposit 20U | First deposit $100 |
| ⑤ Small-amount surcharge | None | None | $0.45/tx spending minimum | Undisclosed | Undisclosed |
| ⑥ Spending fee | 0 | 1% + 1% currency conversion | 1% (min $0.45) + 1% cross-border | Undisclosed | Undisclosed |
| ⑦ Failed-transaction fee | Most cards none; special BINs $0.6/attempt | Undisclosed | $0.1/tx + 3DS $0.03/tx | Undisclosed | Undisclosed |
| ⑧ Refund fee | $1 each for first 2/month, then from 2% | Undisclosed | Merchant refunds free (1–7 business days) | Undisclosed | Undisclosed |
| ⑨ Card close-out fee | 0, balance returns to account in full | Undisclosed | Issuance fee not refunded | Undisclosed | Undisclosed |
| ⑩ Withdrawal / account close-out | $2 flat (TRC20 ≥$12) | Undisclosed | Undisclosed | Undisclosed | 10% |
"Undisclosed" = no published fee standard found on the official site or public channels (some platforms only reveal fees after registration). Every one of our own items is on the table. More head-to-heads: vs WildCard, vs GlobalPay.
Account balance: refunded in full when you close your account
There is exactly one withdrawal path — account closure. Submit at /account/close with your password + email code; after a 24-hour cooling period a human reviews and pays out, then the account closes. All cards (including frozen ones) must be closed one by one first. Refunds in USDT via TRC20 or ERC20, $2 flat platform fee (on-chain transfer included); TRC20 requires ≥ $12 balance, ERC20 ≥ $3 — below $3 the only option is to forfeit the remainder.
Fund safety matters more than a cheap price
Compliant operation, information security, built to last — evidence for each
Compliant operation, verifiable entity
No anonymous business here. Our operating entity and registrations are public, and every item can be verified through official channels.
Secured data, every cent accounted for
Sensitive data is encrypted, accounts have a second lock, and every movement of money leaves a record.
- —Card numbers and sensitive data encrypted at rest — never stored in plaintext
- —Two-factor authentication (2FA) — one more lock on your account
- —Bank-style double-entry bookkeeping — every inflow and outflow reconciles in your statement
Easy in, easy out
We run the business for the long haul — and we leave the exit clearly marked for you.
- —Fee changes announced 15 days ahead, never retroactive
- —Balance withdrawable anytime — close your account and USDT returns to source
- —Fees limited to this page and your statement — no new line items invented elsewhere