Short answer: for a monthly AI subscription such as ChatGPT Plus, Claude Pro or Cursor Pro, you need a card that is (1) reloadable, so the same number keeps renewing, and (2) accepted for recurring billing. Single-use vouchers and gift cards usually fail on renewals. Among reloadable cards, the real cost difference is mostly the top-up fee and the per-transaction fee, so compare the total for 12 months, not the sticker price.
What matters for AI subscriptions
- Reloadable: subscriptions renew every month on the same card number. A non-reloadable card means re-entering a new card each time.
- Recurring billing and 3-D Secure: some voucher-style cards are rejected on renewals. Check before you pay a year ahead.
- Total cost: issuance + top-up % + per-transaction fee + monthly fee + FX fee. Cards with a high top-up % cost more the more you load.
- Funding: which stablecoin and network. BEP-20 / TRON network fees are usually far below ERC-20.
- Availability: some cards are not offered in certain countries — check the provider’s list.
The cards, one by one
Pink Card (pinkcard.cc)
- Issuance $10 + 3% service fee; no account or sign-up on the site, just an email.
- Reloadable: top-up $5 + 5%, same card number, validity extends to 3 years.
- From the balance: $1 per transaction and $2.50 per month.
- Funding: USDT on BEP-20 or ERC-20, USDC on ERC-20 (and Alipay for buyers in China).
- Virtual only; card details emailed after the payment confirms (blockchain confirmation usually 1–5 minutes).
RedotPay
- Virtual card $10, physical card $100 (one free card with the paid Pro plan).
- Top-up by debit/credit card 3% (min $1); crypto top-up fee not stated on the public site.
- FX on other currencies 1.2%; crypto conversion 1%; 1.5% at some listed merchants.
- Funding: USDT, USDC, BTC, ETH and more; KYC required.
- Not offered to residents of a list of 41 countries on its site.
Kripicard (Premium)
- Issuance $5 + $1 processing; top-up 4%; no monthly fee; 0% authorization and 0% FX fee.
- Funding: USDT, USDC, BTC, ETH and 150+ coins; KYC and no-KYC tiers.
- Virtual, reloadable; delivery stated as under 60 seconds.
Rivo Card
- No issuance fee (cards start from a $50 balance); 5% on every card load; no monthly fee; 0% transaction and FX fee.
- Funding: USDT (TRC-20 / ERC-20), BTC, ETH, XMR, SOL and more; virtual only, reloadable.
Moon (X Card)
- First card free, then $2.99 per card; 1% per purchase (min $1); no FX fee.
- Funding: USDT on Tron, USDC on Polygon, BTC on-chain and Lightning; virtual, reloadable, 3-year validity; $4k monthly spend limit.
SolCard (Virtual)
- Virtual card $10; top-up 5%; FX 1–2%; no monthly fee stated (terms mention a dormancy fee after 90 inactive days).
- Funding: SOL, USDC and tokens on several networks; Virtual tier is email-only, capped at $5k per month.
Bitrefill (gift cards and Bitrefill Card)
- Bitrefill’s US Visa gift card states it cannot be used for subscriptions, and its OpenAI gift card is for US users with USD billing only.
- The reloadable Bitrefill Card is offered in the EU/EEA, Norway and Iceland only.
Resold single-use vouchers (e.g. Baxity)
- Not reloadable and valid for a limited time. Baxity itself states its cards do not pass 3-D Secure and are not suitable for recurring billing such as ChatGPT Plus.
Worked example: ChatGPT Plus for 12 months
ChatGPT Plus is $20 a month before tax; with typical tax about $24, so about $288 a year. On Pink Card, loading $300: issuance $10 + 3% of $310 ($9.30) at purchase, then 12 × $1 transaction fee and 12 × $2.50 monthly fee from the balance = about $61 in fees for the year. On cards with a percentage top-up fee and no monthly fee, the same $300 costs the top-up % (for example 4–5% = $12–15) plus any per-transaction fee. Lower-fee cards often require KYC or are limited to certain countries, so pick the one that fits where you are and what you pay.
Related: ChatGPT Plus step by step at pinkcard.cc/en/guides/pay-chatgpt-plus-with-usdt, Claude Pro at pinkcard.cc/en/guides/claude-pro-virtual-card-declined-fix, Cursor at pinkcard.cc/en/guides/pay-cursor-without-bank-card, full Pink Card fee table at pinkcard.cc/en/fees.