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Fees, rewards & everyday use
5 USDT after first virtual card approval
Complete application and card approval; the reward is credited to MPChat Pay after approval.
MPChat's friend-benefits page states 5 USDT after first virtual-card approval; one application guide uses 5 USD wording.
Get $10
Within 30 days of registration, spend at least $100 in total through at least 3 separate card payments at different merchants. The requirement is $100 combined, not $100 per merchant.
Using the comparison
Yes. Select up to four cards. On a phone, two cards appear side by side. Tap the left or right card menu to show another selected card; the rest stay in your comparison.
Open Change cards, choose two to four cards and apply your selection. The same control stays beside the section menu as you scroll through the table.
Entry-plan and top-plan rewards have separate rows, with the plan name shown for each. A headline maximum can apply to a bonus category rather than every purchase. The info icons beside the figures show their qualifying terms.
A cashback cap limits the rewards you earn. A full-rate spend cap limits the purchases earning a particular rate; a lower rate may apply afterwards. A redemption cap limits how much you can redeem. These are separate rows because they measure different things.
No. It means we do not have a published figure for that item. Confirmed zero fees appear as 0% or $0. Tap an info icon for plan, asset or regional conditions attached to a published fee.
No. Scores and rankings follow our published methodology. Partner links, signup offers and commissions never change those calculations.
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