Agora Cards Virtual Card
by Agora Cards
- Monthly fee
- Free
- Card fee
- $90.00
- Top-up fee
- 2%
- ID check
- Not needed
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
A virtual card with very high limits and a privacy focus, issued with just an email address. It fits heavy online spending and mobile wallet use through Apple Pay and Google Pay.
What we like
- +No KYC verification at all (Level 0)
- +Monthly limit of $1M
- +Issued instantly in digital form
- +Built-in Apple Pay and Google Pay support
- +Hybrid self-custodial funding
Watch out for
- −$90 issuance fee paid upfront
- −Flat blockchain network fee on each top-up
- −No legal documents or Terms of Service
- −Counterparty risk from an anonymous company structure
6.0/10
Editor score
Fair
5.8/10
User rating
Based on 15 sources
Lv 0
KYC Level
No KYC
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- —
- Cashback Crypto
- —
- Staking Rewards
- —
- Staking APR
- —
- Welcome Bonus
- $10
- Referral Bonus
- —
Fees
- Monthly Fee
- Free
- Card Issuance
- $90.00
- ATM Fee
- —
- FX Fee
- 1.5%
- Top-up Fee
- 2%
- Decline Fee
- —
Limits
- Daily Spend
- $250,000
- Monthly Spend
- $1,000,000
- ATM Withdrawal
- Unlimited
Card Info
- Card Type
- Virtual Card
- Card Network
- Visa
- Apple Pay
- Google Pay
KYC Requirements
Level: No KYC
- ✕Email verificationNot Required
- ✕Phone verificationNot Required
- ✕Identity documentNot Required
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
5.8/10
Sourced from
Early users are positive. Onboarding needs only an email and an invite, limits are advertised at $20,000 per transaction, $240,000 daily and $900,000 monthly, and funding is in USDT or USDC with Apple Pay and Google Pay for everyday use. Trustpilot shows 4.4/5 from about 10 reviews praising easy top-ups and helpful support, forum members say the card works almost everywhere except Uber, and AnonBazaar ratings are mostly 4-5 stars. Human support is available 24/7 over Signal and SimpleX. Costs are the main downside: $90 to start ($10 pre-credited), then a 2% top-up fee, 1.5% FX fee and $0.35 + 1.5% per transaction, around 5% in total, with no rewards. There is no native mobile app, only a web dashboard. Independent analysts are wary because there is no named legal entity, no public terms, no disclosed issuing bank, network or custodian, and a fee table that conflicts with earlier forum posts. Balances are custodial, and large limits on a no-KYC card could prompt a bank audit or BIN cancellation that locks funds. Treat loaded money as at risk and load only what you intend to spend.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Tron, BNB Chain
Frequently asked questions
Does the Agora Cards Virtual Card require KYC?
No. The Agora Cards Virtual Card can be issued without identity verification. Limits and fees may be higher than on verified cards.
What fees does the Agora Cards Virtual Card charge?
The card has a monthly fee of free, an issuance fee of $90.00, a top-up fee of 2%, an FX fee of 1.5%. See the fee table above for ATM and decline fees.
Does the Agora Cards Virtual Card work with Apple Pay and Google Pay?
Apple Pay is supported and Google Pay is supported, according to the issuer.
Which countries can get the Agora Cards Virtual Card?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the Agora Cards Virtual Card support?
USDT, USDC.
Last updated October 11, 2026, verified October 10, 2026.