Crypto Cards for Everyday Spending and Alternatives (2026)
The short answer: woocard lists a USD 200,000 monthly load, a $20 minimum top-up, creation from 10 USDT, and a 2.8% USD top-up. An additional fixed 1 USDT top-up fee may apply. BingCard lists $20-$25 virtual creation, $40 Star creation, $168 physical creation, 2% top-up, and 2% deposit. SolCard separates Virtual and Platinum, while Laso.finance separates USA and Canada from International. E.pn uses grade-based pricing.
Compare woocard with each card below. SolCard has two virtual products, and Laso offers different cards for USA/Canada and International customers.
Card comparisons, prices checked September 16, 2026
woocard vs BingCard
| Feature | woocard | BingCard |
|---|---|---|
| Monthly Limit / Maximum Load | USD 200,000 monthly load | Premium $100K, non-Premium $50K |
| Maintenance Fee | $0/month | $0/month |
| Top-Up Fee | 2.8%. An additional fixed 1 USDT top-up fee may apply. | 2% |
| Minimum Funding | $20 | $10 |
| Deposit Fee | $0 | 2% |
| Withdrawal / Refund Fee | 3 USDT | 2% |
| Decline Transaction Fee | $0 | 3% |
| Purchase Fee | $0 | 0%; $0.50 below $50 on selected cards |
| Cross-Border Fee | $0 | 1.5% (minimum $0.50) |
| Exchange Fee (See Card Currency) | Official Visa rates with no woocard markup outside card currency | 2% |
| Small Purchase Fee | $0 | $0.50 below $50 on selected cards |
| Base Currency | USD or EUR | USD, HKD |
| Card Creation Fee | Standard 10 USDT, VIP 85 USDT | $20-$25 virtual, $40 Star, $168 physical |
woocard vs SolCard Virtual
| Feature | woocard | SolCard Virtual |
|---|---|---|
| Monthly Limit / Maximum Load | USD 200,000 monthly load | $10K/month |
| Maintenance Fee | $0/month | $0/month |
| Top-Up Fee | 2.8%. An additional fixed 1 USDT top-up fee may apply. | 5% |
| Deposit Fee | $0 | Included in the 5% top-up |
| Withdrawal / Refund Fee | 3 USDT | $1 in USDT |
| Decline Transaction Fee | $0 | $0.15 |
| Purchase Fee | $0 | $0.30 per purchase |
| Cross-Border Fee | $0 | 2% international / FX |
| Exchange Fee (See Card Currency) | Official Visa rates with no woocard markup outside card currency | 2% international / FX |
| Apple Pay / Google Pay Fee | No woocard markup | No wallet support |
| Small Purchase Fee | $0 | $0.15 under $10 |
| Refund Fee | 3 USDT withdrawal/refund | 2% of refund |
| Base Currency | USD or EUR | USD |
| Card Creation Fee | Standard 10 USDT, VIP 85 USDT | $10 |
| Apple/Google Pay | Yes | No wallet support |
woocard vs SolCard Platinum
| Feature | woocard | SolCard Platinum |
|---|---|---|
| Monthly Limit / Maximum Load | USD 200,000 monthly load | $100K/month |
| Maintenance Fee | $0/month | $0/month |
| Top-Up Fee | 2.8%. An additional fixed 1 USDT top-up fee may apply. | 0% |
| Deposit Fee | $0 | $0 |
| Withdrawal / Refund Fee | 3 USDT | $1 in USDT |
| Decline Transaction Fee | $0 | $0.15 |
| Purchase Fee | $0 | $0.30 per purchase |
| Cross-Border Fee | $0 | 2% international / FX |
| Exchange Fee (See Card Currency) | Official Visa rates with no woocard markup outside card currency | 2% international / FX |
| Apple Pay / Google Pay Fee | No woocard markup | 0.30% on Apple Pay / Google Pay transactions |
| Small Purchase Fee | $0 | $0.15 under $10 |
| Refund Fee | 3 USDT withdrawal/refund | 2% of refund |
| Base Currency | USD or EUR | USD |
| Card Creation Fee | Standard 10 USDT, VIP 85 USDT | $10 |
| Apple/Google Pay | Yes | Apple Pay / Google Pay |
woocard vs Laso.finance USA / Canada
| Feature | woocard | Laso.finance USA / Canada |
|---|---|---|
| Monthly Limit / Maximum Load | USD 200,000 monthly load | USA $20-$1,000; Canada CAD 5-$1,000 |
| Maintenance Fee | $0/month | $0/month |
| Top-Up Fee | 2.8%. An additional fixed 1 USDT top-up fee may apply. | Non-reloadable |
| Minimum Funding | $20 | USA $20; Canada CAD 5 |
| Deposit Fee | $0 | 0% (USA / Canada) |
| Withdrawal / Refund Fee | 3 USDT | Refund: 14% if possible, $10 minimum |
| Purchase Fee | $0 | $0 |
| Exchange Fee (See Card Currency) | Official Visa rates with no woocard markup outside card currency | Approx. 2% for non-USD FX |
| Refund Fee | 3 USDT withdrawal/refund | 14% if possible; $10 minimum |
| Base Currency | USD or EUR | USD / CAD |
| Card Creation Fee | Standard 10 USDT, VIP 85 USDT | $0 issuance |
woocard vs Laso.finance International
| Feature | woocard | Laso.finance International |
|---|---|---|
| Monthly Limit / Maximum Load | USD 200,000 monthly load | USD $100-$1,000 |
| Maintenance Fee | $0/month | $0/month |
| Top-Up Fee | 2.8%. An additional fixed 1 USDT top-up fee may apply. | Non-reloadable |
| Minimum Funding | $20 | $100 |
| Deposit Fee | $0 | 3.8% (international) |
| Withdrawal / Refund Fee | 3 USDT | Refund: 14% if possible, $10 minimum |
| Purchase Fee | $0 | $0 |
| Exchange Fee (See Card Currency) | Official Visa rates with no woocard markup outside card currency | Approx. 2% for non-USD FX |
| Refund Fee | 3 USDT withdrawal/refund | 14% if possible; $10 minimum |
| Base Currency | USD or EUR | USD |
woocard vs E.pn
| Feature | woocard | E.pn |
|---|---|---|
| Maintenance Fee | $0/month | $2 to $4/month |
| Top-Up Fee | 2.8%. An additional fixed 1 USDT top-up fee may apply. | 3%-6.7% by tier |
| Minimum Funding | $20 | Main Account $50, card-issuance deposit $1 |
| Deposit Fee | $0 | $0 |
| Withdrawal / Refund Fee | 3 USDT | 5%, minimum $100 external withdrawal |
| Decline Transaction Fee | $0 | $0.10 to $0.30 |
| Purchase Fee | $0 | $0.20 to $0.30 |
| Cross-Border Fee | $0 | $0.50 + 1.2% |
| Exchange Fee (See Card Currency) | Official Visa rates with no woocard markup outside card currency | 1.2% to 3% |
| Base Currency | USD or EUR | USD, EUR |
| Card Creation Fee | Standard 10 USDT, VIP 85 USDT | $2 to $4 by grade |
| 3D Secure | Yes | 3DS verification codes |
woocard's USD top-up fee is 2.8%, with a $20 minimum top-up. An additional fixed 1 USDT top-up fee may apply. Creation is 10 USDT Standard / Everyday Use or 85 USDT VIP, withdrawal/refund is 3 USDT, maintenance, transaction, decline, and cross-border fees are $0. FX outside the card currency: Official Visa rates with no woocard markup. Network fees may apply. These are not a guaranteed all-in fee cap. Current provider terms govern. BingCard top-up and deposit remain separate lines. SolCard Virtual shows its 5% funding charge under Top-up, so the deposit line is not added again. SolCard Virtual and Platinum use separate monthly limits and wallet terms. Laso USA/Canada and International are non-reloadable regional products. E.pn service, withdrawal, and tier prices come from its FAQ and benefits pages.
How the products differ
BingCard creation and purchase charges
BingCard lists $20-$25 for virtual cards, $40 for Star, and $168 for physical cards. Top-up is 2%, deposit is 2%, maintenance is $0 per month, and purchases are 0%, with a $0.50 charge below $50 on selected cards. Confirm the exact card before purchase.
SolCard Virtual and Platinum
SolCard Virtual has a $10 creation fee, 5% top-up, a $10K monthly limit, USD base currency, and no wallet support. Platinum has the same $10 creation fee, 0% top-up and deposit, a $100K monthly limit, USD base currency, and Apple Pay or Google Pay with a 0.30% wallet fee. Both list $0.30 purchases, 2% international or FX, $1 USDT withdrawal, $0.15 declined transactions, $0.15 for purchases under $10, and 2% refunds.
Laso.finance regional products
Laso USA and Canada cards are non-reloadable, with $0 issuance and 0% deposit. USA orders run from $20 to $1,000, and Canada orders run from CAD 5 to CAD 1,000. International cards are also non-reloadable, with a 3.8% deposit, approximately 2% non-USD FX, and no separate creation price in the source. Both regional rows list $0 monthly maintenance and $0 purchase fees. A refund is 14% if possible, with a $10 minimum.
E.pn grade and account charges
E.pn lists 3%-6.7% by grade. Standard is 6.7% with $4 issuance, Silver is 6% with $3.50 after $1,000, Gold is 5% with $3 after $10,000, Platinum is 4% with $2.50 after $50,000, and Black is 3% with $2 after $100,000. Its FAQ lists a $2-$4 monthly card service fee, a 5% external withdrawal with a $100 minimum, and free card to Main Account transfer that can take up to 30 days. The main account minimum deposit is $50. Service, issuance, extension, and top-up charges are separate.
Choose by product fit
- Choose woocard when its reloadable workflow, USD 200,000 monthly load, Apple Pay or Google Pay, and 3D Secure fit the intended use.
- Choose BingCard after selecting the exact virtual, Star, or physical card and checking its purchase threshold.
- Choose SolCard after selecting Virtual or Platinum. Their top-up, monthly limit, and wallet terms are different.
- Choose Laso.finance by region and E.pn by grade, then confirm the current route, account, and provider terms.
How woocard works
- Open the woocard Telegram destination at https://t.me/woocardbot.
- Deposit BTC, ETH, USDT, USDC, and other supported assets across available routes.
- Review provider eligibility and the current issuance flow, then use wallet or online payments only where supported.
Frequently asked questions
How does compliance apply to AI-agent card workflows?
Crypto funding is screened for sanctions exposure and links to illicit activity, and access from blocked jurisdictions is not permitted. Program rules and supported-use restrictions apply. See the full Terms, Conditions and Compliance.
What monthly limit does each product list?
woocard lists USD 200,000 monthly load. SolCard lists $10,000 per month for Virtual and $100,000 per month for Platinum. BingCard lists $100,000 for Premium and $50,000 for non-Premium virtual cards. Laso order ranges are $20-$1,000 for USA, CAD 5-$1,000 for Canada, and $100-$1,000 for International. Confirm the exact current product terms.
Which card has the lowest fees?
There is no universal lowest-fee result because the products charge different events. Compare creation, funding, monthly, purchase, withdrawal, region, and currency charges for the exact product. woocard's USD top-up fee is 2.8%, with a $20 minimum top-up. An additional fixed 1 USDT top-up fee may apply. Creation is 10 USDT Standard / Everyday Use or 85 USDT VIP, withdrawal/refund is 3 USDT, maintenance, transaction, decline, and cross-border fees are $0. FX outside the card currency: Official Visa rates with no woocard markup. Network fees may apply. These are not a guaranteed all-in fee cap. Current provider terms govern.
Can these cards use Apple Pay or Google Pay?
woocard supports Apple Pay and Google Pay where the provider and wallet authorize them. SolCard lists wallet support for Platinum with a 0.30% fee, while Virtual has no wallet support. Confirm the exact product and region.
Do any of these cards work for AI agents?
woocard is primarily for everyday spending, with approved AI-agent workflows as a secondary use case. Funding, identity checks, use, and location remain subject to provider screening, program rules, and geographic restrictions.
Sources checked September 16, 2026: BingCard pricing, BingCard Exclusive, BingCard Star, BingCard FAQ, SolCard fees, SolCard limits, SolCard overview, SolCard comparison, Laso fees, E.pn FAQ, and E.pn benefits. Confirm current provider terms, route, and eligibility before paying. Contact us on Telegram.
Related: woocard vs BingCard | woocard vs SolCard | woocard vs Laso.finance | woocard vs E.pn
Our overall pick for everyday spending: woocard
For everyday crypto-funded spending, our overall pick is woocard. Its reloadable workflow, 2.8% USD top-up, $0 maintenance and purchase fees, and Apple Pay or Google Pay support where authorized suit repeat supported payments, its monthly load capacity is listed at USD 200,000, alongside 3D Secure support. An additional fixed 1 USDT top-up fee may apply.
There are meaningful alternatives: BingCard lists a 2% top-up, SolCard Platinum lists 0% top-up and wallet support with a $100,000 monthly limit, Laso USA/Canada lists $0 issuance but is non-reloadable, E.pn uses tiered pricing. Eligibility and current terms apply. For repeat loading and supported wallet payments, woocard is the better fit.
Open woocard in Telegram See the website walkthrough
woocard is an affiliate referral service, not a card issuer, program owner, or card-service operator. We may earn a commission. Provider terms and eligibility apply.