Roogoo offers prepaid cards funded with USDT, including Premier, Enjoy and Infinity-II, on Visa and Mastercard networks. See the U-card comparison to compare other cards. Fees and risks are summarized below under What to know before applying.
What is Roogoo? Company background
Roogoo was co-founded by people who worked in early internet payments. On March 3, 2025, it announced that cryptocurrency investment and wealth-management services would be available from March 15.
The platform is operated by Roogoo Holdings Limited (British Virgin Islands) and governed by British Virgin Islands law. The card terms are entered into with Roogoo Inc.
These are custodial cards: funds first go to a Roogoo asset account and are then moved to individual cards. Each card is a separate account. Top-ups accept USDT only, on BEP20, XLayer, TRC20, Solana, Ethereum, Polygon, Arbitrum One and opBNB.
Roogoo rewards and card differences
Roogoo has no regular purchase cashback. The table compares the network, fees and supported features of Premier, Enjoy and Infinity-II.
| Item | Premier | Enjoy | Infinity-II |
|---|---|---|---|
| Network and issuing region | Mastercard, United States | Visa, United States and Puerto Rico | Visa, Hong Kong |
| Card type | Virtual | Virtual | Virtual and physical |
| First virtual card | US$0 | US$0 | US$0 |
| Purchase cashback | — | — | — |
| Fee on TWD purchases | 1% + 1.6%, about 2.6% | 1% + 1.6%, about 2.6% | 1.6% + US$0.20 per transaction |
| ATM withdrawals | — | — | US$2 + 2% per withdrawal |
| Apple Pay | Yes | Pending | Yes |
| Google Pay | Yes | Yes | Yes |
| AI subscriptions | — | Listed as supported by Roogoo | Not supported |
| First 7 days without card fees | Yes | Yes | No |
Roogoo’s FAQ still says Enjoy AI subscriptions are not guaranteed to succeed and are not recommended. See the full Roogoo card comparison.
Roogoo card fees
- Card issuance: the first virtual card is US$0; each additional card costs US$4.99.
- Annual and monthly fees: US$0 under a temporary waiver; the original monthly fee was US$0.50.
- Top-ups: 0%. The first top-up must be at least US$10; later top-ups must be at least US$1. Only whole US dollars are accepted.
- Exchange rate: Roogoo says there is no currency-conversion fee. Transactions settle at the live bank exchange rate, which differs from Google’s rate by about 0.2% to 0.5%.
- Seven-day fee waiver: applies only to the first Premier or Enjoy card for 7 × 24 hours after activation, while cumulative spending remains below US$500. Fees resume on the transaction that reaches US$500. The bank first deducts transaction and cross-border fees, then refunds them, so the balance must cover them. Infinity-II is excluded.
- Declined transaction fees: Premier and Enjoy charge 2% or 5%, depending on the authorization amount and balance ratio, plus US$0.50; each fee is US$0.01 to US$30. Infinity-II charges US$0.50 for each of the first three declines per month, then US$1 per decline.
- Other fees: reversals of authorizations of US$5 or more cost US$1; those under US$5 cost US$0.20. Disputes cost US$50 each, regardless of outcome.
- Cancellation: cancelling a card claimed for free costs US$4.99 and previously issued rewards are clawed back. The fee is waived after more than 20 successful transactions and at least US$1,000 in cumulative spending.
See the complete Roogoo fee details.
What to know before applying
- Using the card at prohibited merchants (such as Uber or gas stations), or not using it for a full month, may lead to cancellation. The remaining balance may not be returned.
- A balance below US$2 freezes the card. A negative balance or five consecutive declines moves it to pending cancellation; if you do not add funds within 72 hours, the bank closes it.
- Premier and Enjoy still charge decline fees if a merchant submits another authorization within 90 days of cancellation. Unlink the card from subscriptions before cancelling it.
How to apply for a Roogoo card (where to enter the invite code)
- Open the signup page from the referral button above. The link includes invite code
z7qn06. - Complete KYC: provide an identity-document photo and a live selfie for Sumsub review. Applicants must be 18 to 65 years old, and citizens of sanctioned countries cannot apply.
- Transfer USDT to your asset account.
- Open a card. The first top-up must be at least US$10.
- Add the card to Apple Pay or Google Pay.
The Infinity-II physical card requires a separate application; a virtual card cannot be upgraded. A direct application requires an initial US$200 top-up, from which the US$68 card fee, US$10 deposit and shipping are deducted. Processing takes 7 to 30 days. It cannot be cancelled or refunded after approval.
Using the card in Taiwan
Infinity-II’s official shipping table lists Taiwan: US$30 for direct purchase and US$35 through the staking route.
For similar cards, see the Tria card application guide and RedotPay card application guide.
