How to pay for ChatGPT, Claude and other AI tools with USDT or USDC
Many local cards decline payments to AI services or add foreign purchase fees. With a virtual Visa card in US dollars that you top up with stablecoins, you pay the US dollar price with no fee.
Get my card →Reviewed on October 18, 2026
What you can pay for
What you can pay for
Any service that accepts Visa: ChatGPT Plus, Claude Pro, Midjourney, Perplexity, Cursor, GitHub Copilot, ElevenLabs and the OpenAI and Anthropic APIs, among others.
If the service charges you in US dollars, the purchase has a 0% fee. Some services show prices in your local currency depending on your country: in that case, Visa's exchange rate applies.
How to do it, step by step
- Create your account at app.cryptocard.la and verify your identity with your ID and a selfie. It usually takes a few minutes.
- Top up your card by sending USDT or USDC to your deposit address (Polygon, BNB Chain, Base or Solana). The balance is credited in US dollars.
- In the app, tap Details to see the number, expiry date and CVV.
- At the ChatGPT, Claude or other checkout, choose to pay by card and enter those details.
- Done: the subscription renews every month as long as you have balance.
How much it costs, with an example
Claude Pro or ChatGPT Plus cost USD 20 per month:
- The purchase: USD 20, with a 0% fee because it is charged in US dollars.
- The cashback: we give you 10% back on digital subscriptions, that is USD 2 to your balance. See terms.
If the payment doesn't go through
- Balance: top up a bit more than the price. Some services make a test authorization before charging.
- Billing details: use the same name and address you entered when verifying your identity.
- Bank verification: if a 3D Secure screen appears, complete it.
- Currency: if the service lets you pay in US dollars or your local currency, choose US dollars.
Card fees
| Issuance and maintenance | Free |
| US dollar purchases | 0% |
| Cashback on digital subscriptions | 10% |
| USDT / USDC to US dollar conversion on top-up | 1.5% |
| Purchases in other currencies | Visa exchange rate |
| Minimum top-up | USD 10 |
| Top-up networks | Polygon · BNB Chain · Base · Solana |
In physical stores too, with your phone
Add the card to Apple Pay on your iPhone or Google Pay on your Android and tap to pay at any store worldwide that accepts contactless Visa: supermarkets, restaurants, transport, travel.
Frequently asked questions
Do I need a bank account?
No. You top up the card with USDT or USDC from any wallet or exchange, and the balance is held in US dollars.
Does it work in my country?
You can get it from almost any country in the Americas, Europe and Asia. A few countries are excluded due to regulation: you'll find them in the terms and conditions.
Does the subscription renew automatically?
Yes. As long as you have balance, the service charges every month like with any card.
Is there a monthly fee?
No. The card has no issuance fee and no monthly fee.
Can I pay for the OpenAI or Anthropic API?
Yes. The APIs are paid by card like any other service, and since they charge in US dollars, the purchase has a 0% fee.