{"app_store_id":1548466084,"slug":"cardtonic-gift-virtual-card-1548466084","name":"Cardtonic: Gift & Virtual Card","subtitle":"Best in Cards, Bills & Gadgets","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/84/9e/39/849e390f-c229-f10c-bbb1-69b7d5656f0a/AppIcon-0-0-1x_U007emarketing-0-11-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/cardtonic-gift-virtual-card/id1548466084?uo=4","price":0,"currency":"USD","rating":4.38537,"rating_count":8005,"in_app_purchases":false,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Utilities","version_date":"2026-10-05T08:04:48Z","updated_at":"2026-10-21T03:21:12.484Z","stale":false,"missing_since":null,"one_liner":"Free app for buying virtual USD cards, selling gift cards, paying bills and buying gadgets, mainly in Nigeria and Ghana.","verified_maker":false,"maker_site":null,"file_size_bytes":89262080,"minimum_os":"15.5","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/84/97/09/8497093a-be38-c429-74e3-149a355c61c4/Frame_2147231223.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/6f/8a/05/6f8a05bf-a523-ebc8-881e-8afab5161e0d/Frame_2147231224.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/cc/a7/86/cca78624-d160-44b7-b486-c88e14347036/Frame_2147231225.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/9c/74/71/9c747114-55cc-ab61-dd05-61f9f47ee627/Frame_2147231226.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/9b/d4/e7/9bd4e73c-1793-3924-3d2c-6770875a3625/Frame_2147231227.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/19/b7/06/19b70649-e784-7193-5e75-0edb696b18a8/Frame_2147231228.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e6/5b/3f/e65b3f95-62fe-e66b-50a8-271e57fa4a8b/Frame_2147231229.jpg/320x480bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/fb/22/c0/fb22c072-d1ca-ba82-9ab6-16d4a2f64184/Frame_2147231230.jpg/320x480bb.jpg"],"developer_name":"Cardtonic Technologies LTD","editors_choice":false,"url":"https://apptierlist.com/apps/cardtonic-gift-virtual-card-1548466084/","api_url":"https://apptierlist.com/api/v1/apps/cardtonic-gift-virtual-card-1548466084","schema_version":"1.0","generated_at":"2026-10-22T04:05:03.191Z","data_as_of":"2026-10-22T01:56:12.724Z","description":"Cardtonic is \"the best\" platform to get virtual dollar cards, buy and sell gift cards, pay bills, and buy various.\n\nWhy is it the best? Good question, let’s clarify.\n\nUsed and loved by over a million users worldwide for 5+ years, Cardtonic has always been “that platform” with the cheapest virtual dollar card fees, \"that platform\" that bridges the gap between individuals and businesses who need discounted gift cards or have gift cards they do not need. It’s “that platform” popularly known for giving the best gift card rates across Africa. And it's \"that platform\" that allow users to pay bills at discounted prices. \n\nDo we need to say more? Okay... \n\nWith over 15,000 positive reviews across multiple channels, we can conclude that our numbers don’t lie.\n\nOver the years, Cardtonic has evolved to one of the best apps for bill payments, gadget purchases, virtual USD cards and other digital payment solutions.\n\nNow that you are here, let’s talk about each of Cardtonic's offerings, one after the other.\n\n1. GET VIRTUAL USD CARD\n\nFor Africans, paying online sometimes feels stressful with card rejections and restrictions. Cardtonic gives you instant access to one of the best and cheapest virtual dollar cards in Nigeria (Visa and Mastercard). So you can pay online without limits and experience the financial freedom you deserve.\n\n2. SELL GIFT CARDS IN NIGERIA\n\nWe provide the best gift card exchange app that gets you licking your fingers on the first attempt. Wonder why there's \"tonic\" in our name? It's because our safe gift card redeem app is just too sweet for individuals and businesses to redeem gift cards in Nigeria.\n\n3. SELL GIFT CARDS IN GHANA\n\nCardtonic is the best app for trading gift cards for Momo in Ghana. Ghanaians with unneeded gift cards can easily convert them to Cedis.\n\n4. PAY LOCAL AND INTERNATIONAL BILLS WITH NAIRA OR CEDIS\n\nBills... something we all hate but have to pay regardless. Cardtonic strives to make it less annoying by allowing you to manage and pay all your bills in one place. With Cardtonic, you can pay utility bills in 140+ countries, be it airtime, data, internet, TV, electricity and much more. How sweet is that? \n\n5. STAY CONNECTED WITH OUR eSIMS\n\n\nOur travel eSIMs ensure you remain connected whether you are in Nigeria, Ghana or anywhere else. Imagine stepping into a new country and you are ready to go just because you have the Cardtonic application? \n\n6. BUY TECH GADGETS IN NIGERIA\n\nCardtonic allows you to buy gadgets like smartphones, laptops, AirPods, etc., at cheaper prices. We ensure that the gadgets are not only super affordable but also come with a warranty (T&C applies). Delivery is nationwide.\n\n----------------------------\n\nMORE FEATURES:\n\n- Topup Naira wallet using a virtual bank account.\n\n- Topup Cedis wallet using MoMo.\n\n- Check real-time gift card prices using the in-app rate calculator.\n\n- Earn rewards on every transaction.\n\n- Set rate targets to get notified of changes in rates.\n\n- Enter the leaderboard and earn massive monthly rewards.\n\n- Access multiple gift card options.\n\n- Activate 2FA security to avoid unauthorised access to your account.\n\n- And many more surprises waiting for you in-app.\n\nDO YOU HAVE A QUESTION? TALK TO A REAL PERSON\n\nWe speak your language. Our customer support is to listen to you at any time.\n\nNow that all is said and done, are you ready to taste how sweet the tonic is?","facts":{"developer_id":1548466506,"developer_url":"https://cardtonic.com","first_released":"2021-01-14T08:00:00Z","support_url":"https://cardtonic.com/contact-us","privacy_url":"https://cardtonic.com/privacy","website_url":"https://cardtonic.com/","app_version":"4.4.4","release_notes":"What's new in 4.4.4:\n• Live updates: follow a transaction's progress on your Lock Screen and in the Dynamic Island, and tap to jump straight to it\n• Send money to any Cardtonic user by username or email, with the recipient confirmed before you send\n• Multi-currency wallets: hold USD alongside your local currency and convert between wallets at live rates\n• Stablecoin payouts for your USD balance\n• Sign up from more countries, with your local phone numbers / format\n• Save, view and delete your crypto wallet addresses from one place for your wallet\n• Pay for eSIMs and gift cards and any other services from any of your wallets\n• A more comprehensive filter: filter your transactions by type, date and status\n• Updated our layout design for Ipad and other new devices\n• Smoother identity verification\n• Other important additions and bug fixes","rating_current_version":4.38537,"rating_count_current_version":8005,"star_counts":[689,196,343,885,5888],"genres":["Utilities","Productivity"],"languages":["EN"],"content_advisories":null,"device_families":["iphone","ipad","ipod"],"chart":null},"freshness":{"apple_read_at":"2026-10-21T03:21:12.484Z","catalog_read_at":"2026-10-18T00:06:11.618Z","reviews_checked_at":null,"summary_written_at":"2026-10-17T11:11:13.393Z","placed_at":"2026-10-16T03:08:51.805Z","scored_at":"2026-10-22T01:56:12.724Z"},"editorial":{"one_liner":"Free app for buying virtual USD cards, selling gift cards, paying bills and buying gadgets, mainly in Nigeria and Ghana.","what_is":"Cardtonic is a utilities app that offers virtual dollar cards (Visa and Mastercard), gift card selling in Nigeria and Ghana, bill payments in 140+ countries, travel eSIMs, and gadget purchases with delivery in Nigeria. The listing also mentions a Naira wallet topped up through a virtual bank account, a Cedis wallet topped up through MoMo, a gift card rate calculator, rewards, and rate-target alerts.","good_for":["Paying online with a virtual USD card","Selling unneeded gift cards for Naira or Cedis","Paying utility bills in several countries from one app"],"pricing":"Cardtonic: Gift & Virtual Card is free, with no in-app purchases on the App Store.","faq":[{"q":"Is the app free to use?","a":"The app is free to download. Virtual card fees are described as cheap, but no amounts are given."},{"q":"Which countries does Cardtonic serve?","a":"Gift card selling is described for Nigeria and Ghana, and virtual dollar cards are described for Nigerians. Bill payments are said to cover 140+ countries. Gadget delivery is described as nationwide, with no country named."},{"q":"Does the listing mention warranties or limits on gadgets?","a":"The listing says gadgets come with a warranty, with terms and conditions applying. The terms themselves are not described in the listing."}],"model":"claude-haiku-5-5","created_at":"2026-10-17T11:11:13.393Z"},"memberships":[{"list":"gift-card-selling","list_name":"gift card selling","list_status":"active","list_url":"https://apptierlist.com/best/gift-card-selling/","position":3,"tier":"A","score":89.1,"components":{"rating":78.9,"votes":79.1,"rank":98.2,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T03:08:51.805Z"},{"list":"bill-payment","list_name":"bill payment","list_status":"active","list_url":"https://apptierlist.com/best/bill-payment/","position":7,"tier":"A","score":88.9,"components":{"rating":78.9,"votes":79.1,"rank":97.6,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T03:08:51.805Z"}],"main_list":"gift-card-selling","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":162908,"at":"2026-10-18T14:27:11.693Z","kind":"tier_changed","list":"gift-card-selling","app_store_id":1548466084,"app":"cardtonic-gift-virtual-card-1548466084","from":null,"to":"A","reason":"score 64.5 to 89","job":"rescore"},{"id":118524,"at":"2026-10-16T03:40:51.817Z","kind":"tier_changed","list":"bill-payment","app_store_id":1548466084,"app":"cardtonic-gift-virtual-card-1548466084","from":null,"to":"A","reason":"score 89","job":"rescore"},{"id":117529,"at":"2026-10-16T03:08:51.805Z","kind":"membership_added","list":"gift-card-selling","app_store_id":1548466084,"app":"cardtonic-gift-virtual-card-1548466084","from":null,"to":"active","reason":"Listing has 'Sell gift cards in Nigeria' as a core offering, with a gift card exchange and the best rates across Africa.","job":"shadow"},{"id":117528,"at":"2026-10-16T03:08:51.805Z","kind":"membership_added","list":"bill-payment","app_store_id":1548466084,"app":"cardtonic-gift-virtual-card-1548466084","from":null,"to":"active","reason":"Listing says users pay bills at discounted prices and calls it one of the best apps for bill payments.","job":"shadow"},{"id":104480,"at":"2026-10-15T11:00:36.147Z","kind":"app_added","list":null,"app_store_id":1548466084,"app":"cardtonic-gift-virtual-card-1548466084","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"gift-card-selling","list_name":"gift card selling","status":"active","review_status":"checked","position":3,"tier":"A","score":89.1,"components":{"rating":78.9,"votes":79.1,"rank":98.2,"recency":100},"ranks":[{"country":"us","rank":2},{"country":"gb","rank":2},{"country":"ca","rank":3},{"country":"au","rank":4},{"country":"de","rank":3}],"verdicts":[{"verdict":"keep","reason":"Listing has 'Sell gift cards in Nigeria' as a core offering, with a gift card exchange and the best rates across Africa.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-16T03:08:51.805Z","attempts":1,"current":true},{"verdict":"keep","reason":"Selling unwanted gift cards for cash at competitive rates is a primary service, and the app is known for its gift card rates across Africa.","verifier":"list check","decided_at":"2026-10-16T03:08:51.805Z","attempts":1,"current":true}]},{"list":"bill-payment","list_name":"bill payment","status":"active","review_status":"checked","position":7,"tier":"A","score":88.9,"components":{"rating":78.9,"votes":79.1,"rank":97.6,"recency":100},"ranks":[{"country":"us","rank":1},{"country":"gb","rank":2},{"country":"ca","rank":2},{"country":"au","rank":4},{"country":"de","rank":8}],"verdicts":[{"verdict":"keep","reason":"Listing says users pay bills at discounted prices and calls it one of the best apps for bill payments.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-16T03:08:51.805Z","attempts":1,"current":true},{"verdict":"keep","reason":"Paying bills at discounted prices is one of its core advertised offerings alongside virtual cards, much like other multi-service payment apps in this list.","verifier":"list check","decided_at":"2026-10-16T03:08:51.805Z","attempts":1,"current":true}]}]},"data_version":40553,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/cardtonic-gift-virtual-card-1548466084/"}}