Good
- No ID check to open the account and issue the card
- Loads from BTC, ETH, USDT or USDC with 0% crypto conversion
- Card ready in about 5 minutes with a $100,000 monthly limit
- Links to PayPal, WeChat Pay and Alipay for online payments
Watch out
- $25 issue fee and $1 a month, so $37 in the first year
- No cashback, points or rewards on any spending
- Not available to US citizens or US residents
- Virtual only, with no ATM access and no Apple Pay or Google Pay
Bing Exclusive Virtual Card is a prepaid virtual card in US dollars that you load with Bitcoin, Ether, USDT or USDC. It costs $25 to issue and $1 a month to keep, pays no cashback, and needs no ID check, which is the main reason people pick it.
BingCard sells three cards, and the Exclusive is its cheaper virtual option next to the Bing Star Virtual Card and a physical Platinum card from Hong Kong. You deposit crypto into a BingCard wallet, convert it to dollars, then create the card with a starting balance for subscriptions, ad accounts and online shopping.
Bing Exclusive Virtual Card cashback
Bing Exclusive Virtual Card pays no cashback, and BingCard offers no paid tier, token or membership that adds rewards.
The card has a single plan, so there is nothing to unlock by spending more or holding a balance. You pay for a no-KYC dollar card, and none of your spending comes back to you.
That gap matters if you spend a lot through the card. At $1,000 a month, a card paying 1% would return $120 a year, more than three times what the Bing Exclusive Virtual Card costs to issue and keep for that year.
Bing Exclusive Virtual Card fees
Bing Exclusive Virtual Card costs $25 to issue and $1 a month in maintenance, according to BingCard's card page and FAQ, so the first year comes to $37.
Loading the card costs 1% of each deposit, and BingCard charges 0% to convert your crypto to dollars, so putting $500 on the card costs $5. Taking money back off the card also costs 1%, and the first load has to be at least $21.
Small payments carry their own charge, because BingCard takes 1% on any card transaction below $10. That is a few cents on a $5 app subscription, but it adds up if you run many micro-payments through the card.
Payments in a currency other than dollars, or with merchants outside the US, add a cross-border handling fee with a small minimum per transaction. Declined payments are free on this card, which helps when a subscription retries several times.
Bing Exclusive Virtual Card ATM withdrawal fees
Bing Exclusive Virtual Card is a virtual card with no plastic version, so it can't be used at ATMs.
BingCard's ATM access is reserved for its physical Platinum card, which is issued in Hong Kong dollars and requires KYC. If you need regular cash, pick a card with a physical version and a published ATM allowance instead.
Is Bing Exclusive Virtual Card safe?
Bing Exclusive Virtual Card is custodial: your crypto and your card balance sit with BingCard until you spend them, and you never hold the keys.
BingCard's terms describe the operator as a company incorporated under the laws of Canada, with services also provided through Queensland Foreign Exchange, Inc. under Canadian law and Second February Limited under Seychelles law. The site doesn't name the bank that issues the Exclusive card, only that it is issued in the US.
The terms say transactions in the system are irreversible, and BingCard can lock an account it considers suspicious. Combined with the lack of an ID check, that means you have little to fall back on if an account is frozen, so keep only a working balance on the card.
Support runs by email at support@bingcard.com and through a contact form, with phone numbers listed on the company page.
Who should get Bing Exclusive Virtual Card
Bing Exclusive Virtual Card suits people outside the US who hold crypto, want a dollar card for online services, and would rather not upload an ID to get one.
The card is ready in about 5 minutes, takes up to $100,000 a month, lasts 3 years, and can be linked to PayPal, WeChat Pay and Alipay. For paying ChatGPT, Netflix or an ad account with stablecoins, that covers most needs.
For everyday spending the numbers are weak, since $37 in the first year buys a card that earns nothing and can't be added to a phone wallet yet. The comparison below shows cards with cashback and lower running costs in your country.
Where Bing Exclusive Virtual Card is available
Bing Exclusive Virtual Card is sold online to residents of most countries, but BingCard's terms rule out US citizens, US permanent residents and companies incorporated in the US.
BingCard doesn't publish a full list of supported countries, and its terms require you to live in a country it supports. Merchant acceptance also varies, since some sites decline prepaid cards issued outside the buyer's own country.