CardUpNow Standard Virtual Visa / Mastercard
by CardUpNow
- Monthly fee
- Free
- Card fee
- $5.00
- Top-up fee
- 5%
- ID check
- Not needed
- Card
- Virtual
- Phone pay
- Apple Pay, Google Pay
Our verdict
CardUpNow suits digital marketers and privacy-focused users who want a virtual card with no identity checks, instant issuance and mobile wallet support. The cost is steep, though, with a $50 activation fee, 5% charges on money moving in and out, and a penalty for declined payments. It makes sense only if skipping KYC is worth that price.
What we like
- +No identity verification needed (Level 0)
- +Virtual card is issued immediately
- +Works with Apple Pay and Google Pay
- +Widely accepted by large advertising networks
- +Bitcoin Lightning Network deposits supported
Watch out for
- −Steep $50 activation fee that cannot be refunded
- −5% charged on both top-ups and withdrawals
- −$0.40 penalty for each declined payment
- −Virtual only, with no physical card or ATM use
5.6/10
Editor score
Fair
Lv 0
KYC Level
No KYC
Global
Availability
Available worldwide
Card Overview
Rewards
- Cashback
- None
- Cashback Crypto
- None
- Staking Rewards
- No
- Staking APR
- None
- Welcome Bonus
- None
- Referral Bonus
- None
Fees
- Monthly Fee
- Free
- Card Issuance
- $5.00
- ATM Fee
- Not listed
- FX Fee
- Not listed
- Top-up Fee
- 5%
- Decline Fee
- $0.40
Limits
- Daily Spend
- Unlimited
- Monthly Spend
- Unlimited
- 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
4.0/10
Sourced from
Independent discussion of this card is scarce. Searches on X and YouTube turn up mostly the company's own promotion, no established fintech reviewer has covered it, and nearly all first-hand feedback comes from a small Trustpilot profile of 13 to 14 reviews. Users who like it point to genuine no KYC signup, crypto deposits that clear in about 15 minutes, and separate per-merchant cards that keep a ban on one ad account from spreading to others. The main complaint is the stacked fees: a $50 activation, 5% on deposits, issuance and withdrawals, and $0.40 per decline, which leaves roughly $43 to $45 usable from a $100 deposit. More serious reviews say 3D-Secure and OTP codes are passed on by hand through a live-chat widget, so renewals attempted outside the operator's working hours fail and still incur the decline fee. Some users also report cards being deleted without a refund once the balance drops below $10. There is no native mobile app, and mobile wallet support is advertised but disputed in independent tests. The overall tone is cautious to negative.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Ethereum, Polygon, Tron, Bitcoin
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Frequently asked questions
Does the CardUpNow Standard Virtual Visa / Mastercard require KYC?
No. The CardUpNow Standard Virtual Visa / Mastercard can be issued without identity verification. Limits and fees may be higher than on verified cards.
What fees does the CardUpNow Standard Virtual Visa / Mastercard charge?
The card has a monthly fee of free, an issuance fee of $5.00, a top-up fee of 5%. See the fee table above for ATM and decline fees.
Does the CardUpNow Standard Virtual Visa / Mastercard 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 CardUpNow Standard Virtual Visa / Mastercard?
It is available worldwide, subject to the issuer's own checks.
Which cryptocurrencies does the CardUpNow Standard Virtual Visa / Mastercard support?
USDT, USDC, BTC, ETH.
Last updated August 19, 2026, verified August 16, 2026. Issuer of this card? Get your rating badge.