US Virtual Card for Payments: Five Prepaid Cards Compared

Quick answer: Cryptaacard lists five prepaid virtual cards issued in the USA for online payments: four on Visa and one on Mastercard. To choose between them, match the network the checkout shows and decide whether you will need top-ups, since two of the five have "Reloadable" in their names. A US-issued card does not come with a US billing address or ZIP code, and it does not promise that US-only merchants will take it.

People search for a "US virtual card for payments" or a "virtual credit card", but Cryptaacard cards are prepaid, not credit: there is no credit check, nothing is reported to a credit bureau, and a charge bigger than the card balance declines. Each card has a one-time price from $100 to $300, shown before you buy and taken from your crypto balance; see the pricing page. Activation apply. There is no monthly or yearly fee, cards are valid for one year, and you top up your balance with coins such as USDT, USDC, BTC, ETH or SOL.

This guide is about choosing between the five US-issued cards for a payment you want to make. If your question is how to get a US card while living abroad with no US bank account, the guide to US cards for non-residents covers that side.

The five US-issued cards side by side

Five of the 17 cards in the catalogue are listed as issued in the USA. You can find all of them on the cards page, and each card page shows the card's issuing country and network.

Three things set the five apart: the network, the BIN, and whether the name says "Reloadable". "Gold", "Platinum" and "Universal" are product names, not a list of benefits, so do not read extra features into them. "Universal" in particular does not mean that every merchant takes the card.

Match the network at checkout first

The network decides which of the five are worth comparing for a given payment. Look at the card logos on the merchant's checkout or payment help page before you buy anything.

• Visa shown: compare the four Visa cards (Virtual Visa Reloadable, Virtual Visa Gold, Virtual Visa Platinum and Visa Virtual Universal).
• Mastercard shown: Mastercard Reloadable Classic is the one card to look at.
• Both shown: all five are candidates, so let top-ups and the other points below decide.

A network logo at checkout is a starting point, not a promise. A merchant can still turn down a card because of where it was issued, or for reasons of its own.

Then decide whether you need top-ups

Next, think about what happens after the first payment. A prepaid card only spends its balance, so anything charged again later needs enough money on the card at the moment it is charged. Reloadable cards can be topped up from the dashboard during their validity, while a single-use card is spent once.

• Reloadable by name: Virtual Visa Reloadable on Visa and Mastercard Reloadable Classic on Mastercard. Being able to top them up suits subscriptions, renewals and ad spend.
• Name does not say: Virtual Visa Gold, Virtual Visa Platinum and Visa Virtual Universal. Their names do not tell you whether they can be reloaded, so if you will need top-ups, ask support before buying one.
• Validity: every card is valid for one year. A charge that falls after the card expires needs another card, so check the date of any yearly renewal before you rely on one card for it.

Matching a card to the type of payment

You can hold as many cards as you need in one dashboard, so splitting payments across cards does not need extra accounts.

What the BIN tells you

The BIN is the first six digits of a card number, and it identifies who issued the card. The four Visa BINs start with 4 (428801, 434769, 404389 and 442256) and the Mastercard BIN starts with 5 (527520). You can look up any of them in the free BIN checker before you buy.

A BIN tells you which card you are dealing with. It does not tell you whether a particular merchant will take that card, which stays the merchant's decision.

What a US-issued card does not promise

"Issued in the USA" tells you where a card comes from and nothing more. These five points are easy to assume wrongly:

• No US billing address or ZIP code. The issuing country is not a billing address, and none comes with the card. If a checkout asks for one, ask support what applies to your card before you pay, and enter only details that are yours.
• No promise that US-only merchants will take it. Some merchants only accept cards issued in their own country, and a merchant can run other checks too. Being issued in the USA does not settle that, so read the merchant's payment help page.
• No promise outside the US either. To a merchant based in another country, a US-issued card is a foreign card. If that merchant only takes cards issued in its own country, it may turn this one down.
• No credit and no credit record. The card is prepaid. Nothing is reported to a credit bureau, so using it does not build a US credit history.
• No change to who a service is for. If a service is only open to people in one country, the card's issuing country does not change that. Follow each site's terms and use only a card that is your own.

If a payment declines

When a payment declines, these are the checks you can run yourself:

• Is the card balance at least the full charge? A charge bigger than the balance declines.
• Is the card still within its one-year validity?
• Does the checkout show the card's network?
• Does the merchant's payment help page rule out the card's issuing country?
• If the card's name says "Reloadable", does it need a top-up from the dashboard?

If none of these explains it, contact support on Telegram @cardsupport247, on WhatsApp or through live chat on the site before you try again.

Coins and networks for top-ups

Your account balance is topped up with crypto, and the card price comes out of that balance. Send each coin only on a network listed for it:

Not accepted: Litecoin, Bitcoin Cash, Toncoin, Lightning Network, and card or bank payments.

How to buy a US-issued card on Cryptaacard

1. Create a Cryptaacard account. No bank account is needed.
2. Open Add funds in the dashboard and pick a coin and network from the table above.
3. Send the amount to the address shown, then submit the transaction hash and a screenshot.
4. Once the payment is confirmed, your balance updates.
5. Pick the US-issued card that matches your payment, check its network and issuing country on its card page, and buy it. The card price comes out of your balance. Activation apply.
6. The card number, expiry date and CVV are then delivered to your dashboard.

Where your card details appear

The card number, expiry date and CVV appear only in your dashboard, and they are never sent by email or chat. 3D Secure is available on supported cards, and you can turn on two-factor sign-in for your account, which is worth doing since all your cards sit in one dashboard.

Choosing your card

For an online payment, ask three questions in order: which network does the checkout show, will you need top-ups, and will every charge fall within the card's one-year validity. The answers usually narrow the choice to one or two of the five US-issued cards on Cryptaacard. Then read the merchant's payment help page, check the card page, and top up with a listed coin on its listed network before you buy.

FAQ

Which of the five US-issued cards are reloadable?

Two have "Reloadable" in their names: Virtual Visa Reloadable and Mastercard Reloadable Classic. Reloadable cards can be topped up from the dashboard during their validity. For the other three, ask support before buying if you will need top-ups.

Should I pick one of the Visa cards or the Mastercard?

Pick the network the merchant's checkout shows. Four of the five US-issued cards are on Visa, and Mastercard Reloadable Classic is the only one on Mastercard.

Does a US-issued card come with a US billing address or ZIP code?

No. The issuing country describes where the card comes from, not a billing address, and no US billing address or ZIP code is promised. If a checkout asks for one, ask support what applies to your card before you pay.

How much does a US virtual card cost?

Each card has a one-time price from $100 to $300, shown before you buy and taken from your crypto balance. Activation apply. There is no monthly or yearly fee, and cards are valid for one year.

Is a US virtual card from Cryptaacard a credit card?

No. It is a prepaid card: there is no credit check, no credit is extended and nothing is reported to a credit bureau. A charge bigger than the card balance declines.

Where do I see the card number, expiry date and CVV?

They are delivered to your dashboard after you buy. Card details are never sent by email or chat.