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Kept going back and forth on which to get until I actually mapped it to my use case. If it's purely online spending, the virtual card ($10, Light KYC, ready in minutes) covers 100% of it and there's zero reason to pay more or wait. Physical ($100, Full KYC, ~2 week ship) only actually matters if you need ATM withdrawals or in-person tap-to-pay somewhere that doesn't take mobile wallets. Ended up getting the virtual first since it was instant, and the physical later once I actually needed cash access on a trip.

 

View the fee schedule: https://beexpay.app

 

Chat-GPT-Image-Jul-22-2026-05-13-32-PM.p

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