# Agora Cards

Last updated: 2026-10-31

> Agora Cards provides virtual and physical cards funded with USDT or USDC. Cards are issued in USD and support automatic conversion to local currency. Agora Cards requires no KYC.

Important: Prices, limits, fees, availability, restrictions, and delivery details can change. Verify all current terms on the [live homepage](https://agora.cards/) and in the [card application](https://app.agora.cards/) before purchasing.

## Key facts
- Funding: USDT and USDC.
- Privacy: no KYC; the homepage states that data collection is minimal.
- Custody: users can keep long-term holdings in their own wallets and load only spending funds; funds loaded onto a card are held by Agora Cards' licensed and regulated custodian partners.
- Virtual Card Basic: $90 one-time, including $10 credit; instant activation; Google Pay and Apple Pay; no ATM withdrawals; 3-year or $1 million validity; spending limits of $240,000 daily, $900,000 monthly, and $20,000 per transaction.
- Virtual Card Plus: $100 one-time, including $10 credit; everything in Basic with higher limits; no ATM withdrawals; 4-year validity with no spending-based expiry; spending limits of $900,000 daily, no monthly limit, and $60,000 per transaction.
- Physical Card Plus: $550 one-time; Google Pay and Apple Pay; ATM withdrawals; 4-year validity; custom design available on request; spending limits of $900,000 daily, no monthly limit, and $60,000 per transaction; ATM limits of $3,000 daily and $80,000 monthly.
- Fee triggers: top-up 2% (Virtual Card Basic) or 2.5% (Virtual Card Plus and Physical Card Plus); $0.35 + 1.5% per virtual-card transaction or $0.10 + 1.5% per Physical Card Plus transaction; 1.5% when foreign exchange applies; 2% for Physical Card Plus ATM withdrawals. These percentage fees do not necessarily all apply to every transaction.
- Availability: acceptance is subject to card-network support, unsupported regions, and prohibited merchant or transaction categories. Virtual Card Plus and Physical Card Plus are additionally unavailable in Morocco, the United States, Bangladesh, India, and Turkey; Virtual Card Basic remains available there.
- Support: the homepage states that private human support is available 24/7. Signal, SimpleX, Telegram, and X are listed contact or social channels.
- Referral bonuses: $5 per virtual-card sale and $30 per physical-card sale.

## Authoritative product links
- [Homepage](https://agora.cards/)
- [Features](https://agora.cards/#features)
- [Referral program](https://agora.cards/#referral)
- [Card types and limits](https://agora.cards/#cards)
- [Virtual Card Basic](https://agora.cards/cards/virtual-card-basic/)
- [Virtual Card Plus](https://agora.cards/cards/virtual-card-plus/)
- [Physical Card Plus](https://agora.cards/cards/physical-card-plus/)
- [Pricing](https://agora.cards/#pricing)
- [Prohibited uses](https://agora.cards/#prohibited)
- [Unsupported regions](https://agora.cards/#regions)
- [FAQ](https://agora.cards/#faq)
- [Card application](https://app.agora.cards/)

## Additional resources
- [Blog](https://agora.cards/blog/)
- [Official distributors](https://agora.cards/distributors/)
- [RSS feed](https://agora.cards/rss.xml) (each language also has its own feed, e.g. https://agora.cards/es/rss.xml)
- [XML sitemap](https://agora.cards/sitemap-index.xml)
- [Comprehensive AI reference](https://agora.cards/llms-full.txt)

## Languages
- [English](https://agora.cards/)
- [Spanish](https://agora.cards/es/)
- [French](https://agora.cards/fr/)
- [German](https://agora.cards/de/)
- [Portuguese](https://agora.cards/pt/)
- [Italian](https://agora.cards/it/)
- [Albanian](https://agora.cards/sq/)
- [Chinese](https://agora.cards/zh/)
- [Thai](https://agora.cards/th/)