LinkPay Card Review: Fees, Cashback and Plan Prices

LinkPay Card is a virtual card you fund with USDT or BTC through a LinkPay account. The free Lite plan charges 1% on deposits and 2% per transaction with a $2 minimum, so ordinary spending costs about 3%. Cashback starts at 1% on the $179-a-month Pro plan and reaches 2% on the $209-a-month Ultra plan.

LinkPay is run from Canada and grew up serving media buyers, so most of its cards are aimed at paying for Facebook, Google and other ad accounts. It also issues a general card it calls Omni for subscriptions, shopping and travel bookings online. Every account can hold many cards at once, and the plan you pick sets the fees and the cashback for all of them.

LinkPay Card cashback

LinkPay Card pays 2% cashback on the Ultra plan and 1% on the Pro plan, on all eligible card purchases, while the free Lite plan and the Plus plan pay nothing.

Cashback is credited to your LinkPay balance, and it doesn't apply to fees, refunds or chargebacks. LinkPay doesn't publish a monthly cap on either rate.

The question is whether the subscription pays for itself. Ultra costs $209 a month, so 2% cashback alone only covers it at $10,450 of monthly spending. Pro at $179 a month and 1% needs $17,900. The fee savings change the sums, though: compared with Lite, Ultra removes the 1% deposit fee and cuts the transaction fee from 2% to 1%, so each $100 spent is about $4 better off on Ultra, and the plan breaks even at around $5,225 a month.

Ultra is the better paid plan in every case. It costs $30 a month more than Pro, and the extra 1% cashback covers that at $3,000 of spending, which anyone choosing a paid plan is likely to reach.

LinkPay Card fees

LinkPay Card's fees depend on the plan, and on the free Lite plan you pay a 1% deposit fee when you add crypto and a 2% transaction fee with a $2 minimum.

That makes Lite expensive for small purchases. A $100 payment costs about $3 in fees, and a $20 payment pays the $2 minimum plus 20 cents, which is 11%. Plus, at $59 a month, cuts the deposit fee to 0.75% and the transaction fee to 1.5% with a $1 minimum. Pro and Ultra drop the deposit fee entirely and charge 1% per transaction with no minimum.

Moving money back out is the other cost to watch. Withdrawals cost 3% with a $5 minimum on Lite and Plus, 2% with a $2 minimum on Pro and 1% with a $1 minimum on Ultra. Declined payments are charged too, at 2% on Lite, 1.5% on Plus and 1% on Pro and Ultra, which matters on ad platforms that retry failed charges.

The number of free cards also depends on the plan: Lite includes none, so each new card is paid for in the dashboard, while Plus includes 5 a month, Pro 15 and Ultra 79. LinkPay doesn't list an FX fee in its pricing table, and the dashboard shows the fees for each internal transaction before you approve it.

LinkPay Card ATM withdrawal fees

LinkPay Card is a virtual card for online and mobile payments, and LinkPay doesn't publish any ATM withdrawal option or fee for it.

To turn your balance into cash, the route LinkPay documents is a crypto withdrawal from the account, which costs between 1% and 3% depending on the plan, followed by a sale on an exchange.

Is LinkPay Card safe?

LinkPay Card is custodial: the crypto you deposit becomes a balance held by LinkPay, and the cards are issued by partner banks that LinkPay doesn't name on its site.

LinkPay is operated by Avior Financial Holdings Limited, a company registered in Richmond, British Columbia, with Canadian money services business registration M23039048. LinkPay says it uses US-based card BINs and that full verification is a requirement from its bank partners and regulators.

The FAQ is open about the rough edges of this kind of card. Some cards arrive frozen and unlock after a few minutes, and refunds from merchants that place holds, such as Meta Ads, can take 10 to 14 days. Keep only what you need for the month's spending on the platform.

Who should get LinkPay Card

LinkPay Card suits media buyers, freelancers and small teams who spend several thousand dollars a month online and want separate virtual cards funded with USDT or BTC.

For that use Ultra makes sense. Above roughly $5,000 a month, its 2% cashback and 1% transaction fee leave you ahead of the free plan, and 79 free cards a month and 50 team members cover most agency setups.

For everyday personal spending, LinkPay is a poor fit. Lite's 3% in fees and $2 minimum make small purchases costly, and there's no cashback without a subscription. The comparison below shows cheaper crypto cards in your country.

Where LinkPay Card is available

LinkPay Card is available worldwide except in the countries on LinkPay's restricted list, which includes the United States, Hong Kong, Russia, Ukraine and Belarus.

The list also covers Afghanistan, Burundi, the Central African Republic, both Congos, Côte d'Ivoire, Cuba, Iran, Iraq, Lebanon, Liberia, Libya, Myanmar, Nicaragua, North Korea, Somalia, Sudan, South Sudan, Syria, Venezuela, Yemen and Zimbabwe. LinkPay blocks citizens and residents of those countries as well as sign-ins from their IP addresses and phone numbers, and you must be at least 18 to open a personal account.