# CardUpNow review: KYC policy, privacy and safety grades

> CardUpNow is a card. Its terms put it at KYC level 1 of 4: no ID mentioned. NoKYC Score grades it 5.4/10 for privacy (caution) and 3.8/10 for safety (poor). In its favour: no phone number. To watch: it holds your funds while you use it, requires an email address and has no publicly accountable operator. No incidents are on record.

Source: NoKYC Score, "CardUpNow review", reviewed 23 Oct 2026, https://nokycscore.com/service/cardupnow

## Key facts
- **Category:** Crypto Cards
- **KYC level:** 1 of 4: No ID mentioned
- **Grades:** Privacy 5.4/10, Safety 3.8/10
- **Sign-up:** Email required
- **Custody:** custodial
- **Fees:** $50 one-time activation fee (non-refundable); 5% deposit fee, 5% card issuance fee, 5% withdrawal fee; $0.40 per declined transaction
- **Limits:** Minimum deposit $100; no maximum stated
- **Incidents on record:** 0
- **Last reviewed:** 23 Oct 2026
- **Official website:** https://cardupnow.com

## What it is
CardUpNow sells reloadable virtual Visa, Mastercard and "Card Up Elite" cards for online payments, ad campaigns and subscriptions, funded from a wallet topped up with USDT (TRC20/ERC20), BTC or other tokens. The terms describe it as a no-KYC platform that asks only for an email address and password and does not request ID, phone numbers or bank details, while reserving the right to suspend or block high-risk or suspicious accounts. The fee policy lists a non-refundable $50 account activation fee, a $100 minimum deposit, and 5% fees on deposits, card issuance and withdrawals. The card issuer and the operating company are not named, and the terms only refer to the laws of the jurisdiction where it is registered.

## What the terms say about ID
Terms section 4: "We do not ask for name, phone number, government-issued ID, or bank account information"; suspicious accounts can be suspended.

## Features and warnings
- **Identity:** ID never required: not stated; No account needed: no; No email needed: no; No phone number: yes
- **Payment:** Accepts Monero: not stated; Accepts Lightning: not stated; Accepts cash: not stated
- **Access:** Tor onion address: not stated; Works without JavaScript: not stated
- **Trust:** Never holds your funds: no; Independent audit: not stated; Company named: no; 5+ years operating: not stated
- **Warnings:** May ask for ID: not in terms; Screens deposits: not in terms; Passes orders to partners: not in terms; Holds your funds: yes; Email required: yes; Phone number required: not in terms; Nobody accountable: yes

## Questions
### Does CardUpNow require KYC?
CardUpNow is rated KYC level 1 of 4 on this site: no ID mentioned. Terms section 4: "We do not ask for name, phone number, government-issued ID, or bank account information"; suspicious accounts can be suspended.

### Is CardUpNow safe to use?
CardUpNow has a Safety grade of 3.8 out of 10 and a Privacy grade of 5.4 out of 10. No incidents are on record. Evidence level: documentation reviewed.

### Is CardUpNow legit?
CardUpNow is a working card. Its operators do not publish a company or names, so nobody is publicly accountable for it. Being real is not the same as being safe: its Safety grade here is 3.8 out of 10, built from custody, liquidity, track record and incidents.

### Is CardUpNow a scam?
NoKYC Score does not label services as scams; it records documented incidents with their sources and outcomes. No incidents are on record for CardUpNow.

### Do I need an account or email to use CardUpNow?
Email required.

### What fees does CardUpNow charge?
$50 one-time activation fee (non-refundable); 5% deposit fee, 5% card issuance fee, 5% withdrawal fee; $0.40 per declined transaction. Fees were recorded from CardUpNow's own pages and can change; check before you send.

### What are CardUpNow's limits?
Minimum deposit $100; no maximum stated.

### Does CardUpNow have a Tor onion address?
No official onion address was found on CardUpNow's own pages.

### Which cryptocurrencies does CardUpNow support?
CardUpNow supports USDT, BTC, and fiat payments in USD.

### Is CardUpNow custodial?
Yes. CardUpNow holds funds during a trade, which means it is able to delay or freeze them.

### Can I use CardUpNow over Tor?
CardUpNow does not publish an official onion address.

## Sources
- https://cardupnow.com/
- https://cardupnow.com/terms-and-conditions/
- https://cardupnow.com/fees-and-usage-policy/
- https://cardupnow.com/privacy-policy/

How grades are calculated: https://nokycscore.com/methodology