Capitalist: Virtual Cards, Rates, and Limits
Type
Capitalist
Capitalist is an international payment platform featuring a multi-currency wallet, money transfers, and virtual cards. The service operates as a standalone financial ecosystem: first, the user funds their Capitalist account, after which they can issue and load virtual cards.
The published pricing table includes virtual cards in USD and EUR. A verified account is required to issue them.
Main fees:
- Virtual USD issuance — 1.75–2.95 USD;
- Virtual EUR issuance fee: 2.65 EUR;
- Monthly maintenance fee for a USD card: 2.7 USD;
- Monthly maintenance fee for a Virtual EUR card: 2.40 EUR;
- USD card top-up from a Capitalist account — 3–4.7%, minimum 3.5 USD;
- EUR card top-up: 4.7%, minimum 3.5 EUR;
- Transaction fee: 0–0.5 USD or 0.5 EUR;
- Refund from the card to a Capitalist account: 1 USD/EUR;
- Currency conversion fee when the transaction currency differs from the card currency: 3.5%.
Card limits:
- Single top-up: up to 6,000 USD or 5,000 EUR;
- Monthly top-up limit: up to 20,000 USD/EUR;
- Annual limit—up to 80,000 USD/EUR;
- Maximum balance: 20,000 USD/EUR;
- maximum single transaction—up to 20,000 USD/EUR;
- Daily spending limit: up to 20,000 USD/EUR.
Capitalist separately promotes cards that support Apple Pay and Google Pay. With these cards, you can make payments via smartphone both online and at offline locations where the corresponding digital wallet is accepted. 3D Secure is supported.
The card itself is funded from the Capitalist balance. Therefore, the actual cost involves two steps: first, funds are deposited into the wallet, then transferred to the card with a fee. For users in Russia, the method of funding the main account is important. Capitalist supports various channels, including cryptocurrency and specific ruble-based methods, but you’ll need to check your account to see which options are available.
It’s important to distinguish between the fee for an incoming payment to the wallet and the fee for loading the virtual card: these are two separate transactions. Additionally, loading the card with less than 3.5 USD/EUR may not be cost-effective due to the minimum fee. When making a purchase in a currency other than the card’s currency, a 3.5% conversion fee is added, which should be taken into account for mixed USD/EUR subscriptions.
For subscriptions, it’s best to choose a card in the currency of the regular payment. If a subscription is billed in dollars, a USD card allows you to avoid the additional 3.5% conversion fee. For European services priced in euros, a EUR card makes more sense.
Capitalist also offers CardsPRO—a separate solution for affiliate and media buying teams. This is a closed-access product featuring bulk card issuance, role assignment, and budget allocation. Regular users do not need CardsPRO for subscriptions.
Basic virtual cards aren’t just for advertising. Capitalist cards can be used to pay for travel, hotels, airline tickets, digital services, and everyday purchases. However, whether a specific card is accepted depends on the merchant and its anti-fraud policies.
The main considerations regarding fees are the monthly fee and the top-up fee. A low issuance fee does not necessarily mean low overall costs. For small amounts, the minimum top-up fee of 3.5 USD can significantly increase your expenses.
Questions and Answers
How much does a Capitalist virtual card cost?
A USD card costs between 1.75 and 2.95 USD; a EUR card costs 2.65 EUR.
Is there a monthly service fee?
Yes. 2.7 USD for the USD card and 2.40 EUR for the EUR card.
Are Apple Pay and Google Pay supported?
Yes, Capitalist offers virtual cards that support both wallets.
Is verification required?
Yes. A verified account is required to issue virtual cards.
Editor’s Opinion
Capitalist’s USD and EUR cards differ in fees, limits, and service costs. Issuance, maintenance, reload, and conversion fees, as well as maximum limits, vary by card program. This allows you to calculate your expenses before signing up. The low issuance fee is accompanied by a monthly fee and a 3–4.7% top-up fee with a minimum charge. This may be acceptable for regular large expenses, but not always for a single inexpensive subscription. Strengths include USD/EUR support, high spending limits, 3D Secure, and support for Apple Pay and Google Pay. For digital teams, the standalone CardsPRO service is also of particular interest.
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