Three cards, thin disclosure, and a Trustpilot with one review

Updated October 2026

Licensed

Available in US

Fast payouts

18+ Only

Card.Club offers three payment cards aimed at people who find ordinary bank cards hard to get: a virtual Mastercard for subscriptions, a virtual Mastercard for travel that works with Apple Pay and Google Pay, and a physical Visa. You fund them from a crypto balance, you spend from a prepaid balance, and the company publishes almost nothing about itself in English. The score I land on after going through the cards, the fees, and the user reports is 5.0 out of 10, and the main reason it does not score higher is the gap between what the official site tells you and what users actually experience.

If you are choosing a crypto-funded card right now, you should know before you read further: Card.Club’s official site is empty of pricing, terms, and country rules, and the figures in this review come from third-party review sites. I have flagged those as unofficial wherever they appear. The card suits a narrow audience: users who want several virtual cards for streaming and travel, and who already understand that the legal framework behind the card is the British Virgin Islands. It does not suit anyone who needs cash, anyone in a US-sanctioned country, or anyone who wants a card backed by a named, regulated issuer they can read about.

The conditions below are current as of October 28, 2026.

Verdict

Card.Club scores 5.0 out of 10, and that midpoint hides a wide spread across the six criteria. The “Who can get it” score is 7 because the card is pitched at exactly the audience that has trouble getting ordinary bank cards; the “Cost” score is 3 because the fees, where they can be found, run high. The breakdown:

The audience Card.Club is built for is small and specific. If you are without easy access to a regular Visa or Mastercard, if you keep your spending in crypto, and if you mostly need a card to pay for subscriptions and to take on a trip, Card.Club’s three-card lineup is one of the few products aimed directly at you. If you are outside that group, the high fees, the missing legal disclosures, and the absence of cash access are going to push you toward a different option.

Who will they give you the card

The first thing to say here is that Card.Club’s official website does not state who the card is for. There is no published eligibility list, no country table, and no KYC explanation on the page. What we know comes from third-party review sites, and the picture they paint is consistent: the card is available worldwide except for countries on the US sanctions list, which includes Russia and Belarus. A vendor quoted on crmindex.ru and inokarti.com also says the cards cannot be used in sanctioned jurisdictions, and that any disputes between you and the company are governed by British Virgin Islands law, which means Russian consumer protection rules do not apply to you.

That last point is the one most people miss. The card is aimed at people in jurisdictions where the usual banking cards are hard to obtain, and the legal ground it stands on is the BVI. So if something goes wrong, you are not dealing with a Russian court or a European regulator, you are dealing with a company registered in an offshore jurisdiction under a framework most retail users have never read. You should factor that in before you keep a meaningful balance on the card.

The other thing the official site does not tell you is the age rule. Prepaid and debit cards in general are issued to adults, and most issuers set 18 as the minimum. Card.Club does not publish a number, so the practical rule is whatever the app asks you to confirm at sign-up, and whatever the issuing partner’s standard policy turns out to be.

If you are in a US-sanctioned country, the answer is no. If you are in a country with a working banking system, the answer is that the card will work for you technically, but the cost and the legal setup may not be worth it.

How to get it

Because the official site does not describe the sign-up flow, the steps below come from inokarti.com’s June 2026 review and from user reports on crmindex.ru. Treat them as unofficial.

The flow is similar to other crypto card apps. You install the iOS or Android app, or open the Telegram Mini App, and you start the application from there. According to the third-party sources, the full-access application may ask for a passport, a proof-of-address document, and sometimes a selfie. The check reportedly takes one to two days. Once the check passes, your card is issued in five minutes, again per the same sources.

The same KYC procedure is reported to apply if you want to pull a balance back out of a blocked or closed account, which is worth knowing before you load a large amount onto the card. If you only intend to use the card to pay for a few subscriptions and to top it up small amounts at a time, the KYC step may not come up at all, or it may come up only at a low threshold.

The three cards you can choose from, again from inokarti.com’s June 2026 description, are:

• “For subscriptions,” a virtual Mastercard on a Singapore BIN. No Apple Pay. This is the card meant for recurring payments like streaming services.
• “For travel,” a virtual Mastercard on a US BIN. Apple Pay and Google Pay work on this one. This is the card meant for paying in shops and online while abroad.
• A physical Visa. The third-party source mentions a plastic Visa exists; it does not give a delivery time or a shipping fee.

Card currencies are USD and EUR. You choose which one when you set up the card, and that choice is what determines whether you get hit with a double conversion later (more on that in the costs section). The plastic Visa is not described in enough detail to say whether it can be delivered to a sanctioned country or only to countries where the issuer can ship a card.

What this means in practice: you can be issued a card in a single afternoon, and you can do it from your phone. The trade-off is that you are agreeing to a relationship that the issuer describes only in the small print of an app you have not yet seen, and you will only find out the limits and fees when you try to do something with the card.

What it really costs

The cost story is the weak point of this card, and it is also the place where the official site is most silent. Issuance fees, top-up fees, and per-payment fees all come from third-party review sites. Where the sources disagree, I have flagged the conflict.

The costs table:

There is one conflict worth naming. crmindex.ru’s listing describes issuance as free, but a reviewer on the same site (25 March 2026) says they paid 35 EUR. The EUR/USD pricing in inokarti.com is closer to what the reviewer actually paid, and the third-party pattern is that the $35 “For travel” card is the one most users buy first. Treat the issuance fee as a range of $20 to $100 depending on which card you pick, and assume the free-issuance line is stale.

Now to the three everyday payments that matter:

Paying for a $10 streaming subscription with the “For subscriptions” card. You topped up the card with a $25 (unofficial) minimum at a 4% (unofficial) top-up fee, so your $25 became about $24 of usable balance, and the issuance of the card cost you $20 (unofficial) up front. The payment itself triggers the $0.25–$0.50 (unofficial) per-payment fee, so the first month is effectively $30.25 for one $10 subscription. The second month, if you top up another $25, is $10.25.

Paying for a $50 hotel booking in EUR with the “For travel” card, when your card is denominated in USD. This is where the double conversion comes in. Your USD balance converts to EUR at the card’s rate, then the merchant’s bank or the card network may apply a second mark-up. The $35 (unofficial) issuance is in the past at this point, but the $0.25–$0.50 (unofficial) per-payment fee is still there, and you are paying two layers of FX. The crmindex.ru and inokarti.com reviews both call this out as the most common complaint.

Buying a $100 item in a third currency, say Japanese yen, with a USD card. You have the same double conversion, the same per-payment fee, and an additional risk: a merchant that does not accept foreign-BIN cards may decline the transaction, and the per-payment fee still applies to declined authorisations, because the third-party source specifically includes declined ones in the fee.

The honest summary is that the card is expensive to set up, expensive to fund, and has a per-payment charge that makes small payments uncomfortable. If you are using the card for two or three large purchases a month, the per-payment fee is manageable. If you are using it for a dozen small subscriptions, the per-payment fee alone is going to cost you more than the subscriptions themselves.

Top up: how to fund the card

Funding is the section where the official site is again silent, and where the third-party sources are most consistent.

You can top up the card in two ways, per inokarti.com and crmindex.ru:

• SBP (the Russian fast-payment system) in rubles.
• USDT, on either the TRC-20 network (Tron) or the ERC-20 network (Ethereum).

Both options go through the Telegram Mini App or the iOS/Android app. There is no on-ramp from a bank card or a SEPA transfer mentioned by any source. There is no Apple Pay top-up, no Google Pay top-up, and no cash top-up.

The minimum top-up is $25 (unofficial, not confirmed by issuer), and the top-up commission starts at 4% (unofficial, not confirmed by issuer), both per inokarti.com (June 2026). The commission is the headline number; what users on crmindex.ru add is that the rate you actually get depends on the channel, and that SBP ruble top-ups have a less favourable rate than USDT top-ups in their experience. The official fee schedule is not published, so there is no way to confirm a fixed percentage per channel.

A practical note on the networks. USDT on TRC-20 is cheap to send but requires a wallet with TRX for the network fee, or enough bandwidth and energy credits on Tron to send without holding TRX at all. USDT on ERC-20 costs more in gas and you also need ETH in the wallet to pay that gas. If you send USDT to a Card.Club deposit address on the wrong network, the funds can be lost, because the third-party sources describe manual recovery through support as the only path, with no guarantee of a refund. The general category background bears this out: blockchain transfers are typically irreversible, and a deposit sent on the wrong network is a common cause of permanent loss.

The withdrawal path is the same shape: you can only withdraw by contacting support, per a reviewer on crmindex.ru dated 5 May 2026, and the same KYC procedure that gates sign-up also gates the return of a balance from a closed account. So funding is flexible, but the way back out is narrow and slow.

What this means in practice: top up in USDT on TRC-20 if you already hold USDT, because the network fee is small. Top up via SBP if you have a Russian bank account and want to move rubles in, and accept that the rate will be worse. Do not send USDT to a Card.Club address on a network that is not the one the app tells you to use.

Paying with it every day

The everyday-use story is shaped by which of the three cards you carry, and by the limits the issuing bank puts on merchant categories.

On the “For travel” card, you can add the card to Apple Pay and Google Pay, both per inokarti.com. The card is on a US BIN, which means the tokenised Device Account Number is registered with a US issuer, and most contactless terminals and mobile wallets will accept it. This is the card to take abroad or to use in shops that take contactless payments.

On the “For subscriptions” card, Apple Pay and Google Pay are not supported, and the card is on a Singapore BIN. The card is virtual, so you type the number into a streaming service or a subscription site, and you do not tap it anywhere. The Singapore BIN is more likely to be declined by a merchant that filters by country, but most large streaming services do not filter that aggressively.

On the plastic Visa, the third-party source does not give a BIN or a region, so the safest assumption is that you should check with support before you travel with it. The plastic Visa is also the only card in the lineup that you can hand to a person, since the other two are virtual.

Now to merchant categories. The blocked list, per inokarti.com, includes games, gambling, crypto purchases, and financial services. The exact blocked list is set by the issuing bank, not by Card.Club, and the third-party source notes that ChatGPT was refused on some card regions. There are user reports of game and subscription merchants declining on the card, dated December 2025 and February 2026 on crmindex.ru. The pattern is not universal, but it is a real risk if your main use case is paying for AI tools or niche streaming services.

There is no cash access. The third-party source is explicit: cash withdrawal at ATMs is not supported. If you need cash from a crypto balance, you have to convert and withdraw through a different channel, and that is a friction this card does not solve.

The app and the Telegram bot are the only ways to manage the card. There is no web console that I or the third-party sources could confirm, and there is no listing of the app in major stores that the search turned up, which is itself a yellow flag: a card app you install only through a Telegram link is harder to vet, and you have to trust that the link is the one Card.Club actually publishes.

One case worth mentioning: a crmindex.ru user reported an unauthorised recurring $10 charge from a Singapore merchant on a reissued card, and the charge was refunded the same day after the user contacted support. That is a positive data point on dispute handling, but it is one data point, and the underlying mechanism for that refund is not explained in any official document.

What this means in practice: the travel card is the one to use in person, the subscriptions card is the one to type into websites, and the plastic Visa is the spare. The blocked-category list is the real risk, and you should test the card on your most important subscription before you load a meaningful balance.

What can go wrong

The complaint pattern is consistent across the third-party review sites: high commissions, merchant-category declines, and the risk of a custodial account being blocked.

The company behind the card, per inokarti.com, is Webrex Co., Ltd, which is described as a technology platform rather than a bank or e-money institution. The cards themselves are issued by licensed partner issuers, but the third-party sources do not name those issuers, which is unusual. Most crypto cards on the market are issued by a named bank or EMI that you can look up in a public register. The fact that you cannot do that here is not proof of anything wrong, but it does mean that if you want to verify the licence, you have to ask support and hope for a straight answer.

The card is custodial, per the same source. Your balance sits on the card provider’s platform, and if the platform is hacked, goes into administration, or is sanctioned, your balance is at risk along with everyone else’s. The general background on this kind of failure is not theoretical: Mt. Gox, Coincheck, and Ronin are all examples of custodial platforms that lost user funds, and a card balance is in the same legal position as a balance on an exchange.

The support channel, per the same source, is a Telegram bot. Reviewers on both crmindex.ru and inokarti.com praise the response speed, but a Telegram bot is still a single channel: if Telegram is blocked in your country, or if the bot goes offline, you have no documented backup.

The complaint themes by date, drawn from crmindex.ru and inokarti.com:

• High commissions: a recurring complaint from 2025 through July 2026.
• Merchant-category and region declines: December 2025 and February 2026.
• Unauthorised recurring charges after a card reissue: June 2026.
• One unverified article calls the service a scam; this is not corroborated, and I am naming it so you can see it in search results and discount it accordingly.

The reviews split is itself a signal. Trustpilot has one review, dated 18 January 2026, rating 3.7 out of 5, and a single review is not a pattern. crmindex.ru has 35 reviews averaging 4.8, inokarti.com has 18 averaging 3.8. The crmindex.ru average is higher because most of its reviewers successfully got a card and used it; the inokarti.com average is lower because the site tests the card and reports the friction.

The legal framework is the part that does not change. Disputes are governed by British Virgin Islands law. If a US-sanctions event affects Webrex, its issuer, or its banking partners, the card can stop working without notice, and the history of crypto card programmes suggests that a wind-down typically takes the form of “new loads stop on date X, spending stops on date Y, withdraw your balance if you can.” You should keep that in mind whenever you decide how much to keep on the card.

What to take instead

Card.Club is one option in a small group. The comparison below is based on what the alternatives publish themselves, not on testing.

CardFlow is a virtual USD Mastercard aimed at Nigeria and “Nigerians and global users.” Card creation is free according to its own FAQ, and the card is created in three minutes. You can fund it with Bitcoin, USDT, ETH, or a Naira bank transfer. The networks and fees are not stated on the site. The card scores 4.9 because the offer is narrow and undocumented, but it does solve the same problem Card.Club solves, and it does so without an issuance fee.

HyperCard is a prepaid card with USD or EUR balances. The App Store page says it works in “more than 176 countries,” which is an acceptance claim, not an eligibility claim. You fund it by depositing USDT, BTC, or ETH in the app, and the deposit is converted to the card’s fiat balance. The card network and per-payment fees are not stated, and the cashback or reward structure is not stated. The card scores 4.7 for the same reason: it works, but the documentation is thin.

Card.fi is the most documented of the four, and the one to look at if you want a fee schedule you can read before you sign up. It offers virtual Classic and Premium, physical Classic and Premium, and a metal (stainless steel) version, with every physical order including a virtual card. Issuance is $49 for Virtual Classic and $249 for Virtual Premium; physical and metal prices are not listed. There is no monthly, annual, inactivity, or minimum-balance fee. Top-up fees are 1.5% plus $1.00 for Classic and 1% for Premium; FX is 3.5% for Classic and 2.5% for Premium, and the conversion fee is shown before each top-up. Funding is 32 coins across 5 networks: Ethereum, Base, BNB Chain, Solana, and Kaanch, with examples including USDT, USDC, ETH, BNB, SOL, and KAANCH. Cashback on card spending is 0.8% for Classic (capped at 10 USDT a month), 1% for Premium, and 1.2% (cap 100 USDT/month, 5,000 USDT lifetime) or 2% (cap 250 USDT/month, 20,000 USDT lifetime) for Metal, with a headline 10% at coffee shops capped at 10 USDT/month and an “earn on balances” rate of up to 18% on Metal that is variable. The score is 6.6, and the main reason it is higher than Card.Club is that the fee schedule is published, the networks are listed, and there is a metal option for users who want a physical card with cashback.

If you are weighing Card.Club against these three, the honest comparison is:

• Cheaper to fund than Card.Club: Card.fi (1–1.5% top-up vs 4% from), and CardFlow (free card creation, though fees beyond that are not stated).
• Cheaper to pay with than Card.Club: Card.fi (no per-payment fee published, but the FX and top-up fees still apply).
• Clearer legal position than Card.Club: Card.fi, which ships to “200+ countries” under a published terms page that bars sanctioned countries.
• Better mobile-wallet support than Card.Club: HyperCard and Card.fi both have published mobile-wallet stories, whereas Card.Club’s mobile-wallet support is limited to the “For travel” card.

The audience note matters here. If you are without easy access to a regular Visa or Mastercard, the alternatives above may not be available to you at all, because the third-party descriptions of Card.Club’s audience are not mirrored in the alternatives’ terms pages. In that case, the comparison is less “Card.Club versus the others” and more “Card.Club versus holding USDT in a wallet and paying for things with a P2P transfer.” That is a real comparison to make, and the fees on Card.Club are what tilt the answer.

Who I would recommend it to

Putting the verdict and the rest of the review together, my recommendation is narrow.

Card.Club is a fit for you if:

• You do not have reliable access to a regular Visa or Mastercard, and the alternatives above are not available in your country.
• Your main use case is paying for a small number of streaming or AI subscriptions, and you are willing to pay $20 plus the per-payment fee for the convenience.
• You already hold USDT and are comfortable sending it on TRC-20, including the small risk of sending on the wrong network.
• You keep the balance small and treat the card as a spending tool, not as a place to park savings.
• You accept that the legal framework is BVI and that a sanctions event could freeze the programme.

Card.Club is not a fit for you if:

• You need cash. The card does not support ATM withdrawal.
• You are in a US-sanctioned country. The card is not supposed to work there.
• You want a card whose issuer you can look up in a public register. The third-party sources do not name the issuer.
• You make many small payments. The $0.25–$0.50 (unofficial, not confirmed by issuer) per-payment fee, including on declines, will eat into the balance.
• You are sensitive to FX costs. The double-conversion complaint is the most common in the user reviews.

The honest summary is that Card.Club is a workable tool for a specific audience, and a poor choice for almost everyone else. The 5.0 out of 10 reflects that split: the card does what it sets out to do for a narrow group, and the cost and disclosure gaps are the reason it does not score higher. If you fall outside that group, Card.fi is the alternative with the clearest fee schedule, and it is the one to read first before you commit to any of the others.

Frequently asked questions

What is Card.Club?

Card.Club is a service that issues three payment cards you can fund from a crypto balance: a virtual Mastercard for subscriptions, a virtual Mastercard for travel that works with Apple Pay and Google Pay, and a plastic Visa. The cards are prepaid, which means you load a balance and spend from it, and the cards do not overdraw. The company behind the service, per third-party sources, is Webrex Co., Ltd.

How does the Card.Club card work?

You install the iOS or Android app or open the Telegram Mini App, you complete the KYC check (passport, proof of address, and sometimes a selfie, per third-party sources), and you top up the card with SBP rubles or USDT on TRC-20 or ERC-20. Your balance is held in USD or EUR, and when you pay, the card converts from your balance to the merchant’s currency at the card’s rate. The card is custodial, which means Webrex holds the balance, and the cards are issued by partner issuers that the third-party sources do not name.

Is Card.Club a bank?

No. Card.Club is a technology platform run by Webrex Co., Ltd, per the third-party sources. The cards are issued by licensed partner issuers, but those issuers are not named in the public-facing materials I could find. The legal framework for disputes is British Virgin Islands law, not the law of the country you live in.

Can I use the Card.Club card in my country?

The official site does not list a country table, which is itself something to be aware of. The third-party sources say the card is available worldwide except for countries on the US sanctions list, which includes Russia and Belarus. The card being technically available and the card being usable in your country are not the same thing, and the third-party sources also describe blocked merchant categories and region-specific declines that may affect you in practice.

Does the Card.Club card require KYC?

The official site does not say. The third-party sources say that full access may require a passport, a proof-of-address document, and sometimes a selfie, with a check time of one to two days, and the same procedure applies to return a balance from a closed account. If you only load small amounts and only use the card for one or two subscriptions, the KYC step may not come up at all.

How do I top up the Card.Club card?

You top up through the iOS or Android app or the Telegram Mini App, with SBP in rubles or USDT on TRC-20 or ERC-20, per the third-party sources. The minimum top-up is $25, and the top-up commission starts at 4%. Send USDT only on the network the app tells you to use, because a transfer on the wrong network can be lost, and recovery is only through support with no guarantee.

Can I withdraw cash from a Card.Club card?

No. The third-party sources are explicit that cash withdrawal at ATMs is not supported. If you need cash from your card balance, you would have to convert and withdraw through a separate channel, and the official documentation does not describe that path. Withdrawing a balance from the card itself is reported to require contacting support, and the same KYC procedure applies.

Is the Card.Club card free?

No. The card is not free. Issuance costs $20 for the subscriptions card, $35 for the travel card, and $100 for the plastic Visa, per the third-party sources. There is no monthly servicing fee, but top-up fees start at 4%, and a per-payment fee of $0.25 to $0.50 applies to every payment including declined ones, which can stack up if you make many small payments.

Can I add the Card.Club card to Apple Wallet?

Only the “For travel” card supports Apple Pay and Google Pay, per the third-party sources. The “For subscriptions” card and the plastic Visa are not described as supporting mobile wallets, and the official site does not confirm or deny wallet support. If mobile wallet support is a deal-breaker, the travel card is the one to pick.

Is the Card.Club card safe?

The third-party sources describe the card as custodial, with high decline rates that can lead to account blocks, and recommend not keeping large sums on the card. The general background on custodial platforms is that they have a record of failures, and the legal framework is BVI rather than the country you live in. Support is through a Telegram bot only, which is a single point of contact. Treat the card as a spending tool with a small balance, not as a place to park savings, and you are closer to the right risk posture.

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