Okicard
Okicard is a crypto card issued on Mastercard, rated 8.1/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Okicard is the strongest fit for all-rounder and ad spend, and asks for no KYC at signup — we carry it at medium-high (no-KYC USDT card; stability/risk unverified) risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Okicard · Crypto Card |
| Official site | https://okicard.com |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 8.1/10 (4.0★, 179 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | 0 |
| Monthly / annual fee | 0 |
| Top-up (deposit) fee | 3 |
Verification and risk
| KYC required | No (no KYC; no ID verification) |
| Risk level | Medium-High (no-KYC USDT card; stability/risk unverified) |
| AVS check | No |
Funding and limits
| Crypto top-up | Yes (USDT multi-chain: BSC/ERC20/TRC20/Solana) |
| Bank transfer | Yes |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay, Google Pay) |
| Meta / Google Ads | Yes |
What the issuer states on its own site
- To maintain our 'Low-Risk' status and KYC exemption, we enforce strict daily and monthly spending limits.
- OkiCard is a virtual payment card that allows you to load cryptocurrency (USDT, USDC) and spend it as fiat currency instantly without undergoing Identity Verification.
Source: https://okicard.com.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 261624 | Mastercard | Lithuania | Debit | 311 | 226 | 72.7% |
We logged 226 cleared charges out of 311 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Okicard cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is 0; top-ups cost 3. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Okicard?
Okicard is a no-KYC card, so the account opens without an ID check. Cards in that tier decline more often at strict merchants, which is the trade-off you are taking.
How can I fund Okicard?
You can fund it with crypto (USDT multi-chain: BSC/ERC20/TRC20/Solana), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Does Okicard work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.