Imagine losing over $25 to fees when you spend $100. Crazy things are happening! Sounds familiar?
That is the case for most people who shop internationally from Nigeria. But that is only for those who don’t know the secret to cutting cost when shopping internationally. Today is your deliverance from high fees.
It is true that virtual dollar cards have helped Nigerians to make various payments internationally but the choice of cards and platform is what drains peoples pocket with cost. So today, I will share some platforms and their advantages to each other.
In this VitalSwap vs Chippercash article, we’ll pit these two against each other to see which one actually keeps more cash in your pocket with a $100 budget shopping on sites like Amazon, Shein , AliExpress, AliBaba, Etc.
VitalSwap Vs Chipper Cash Comparison
1. Funding Naira Wallet
- Vitalswap: Funding a Naira wallet is free. However, sending to other accounts incurs a 0.5% fee capped at ₦500 per transaction— pennies for convenience.
- Chipper Cash: Funding a Naira wallet is free, with no additional charges when adding funds. However, watch out—if funds come from external sources (like Visa Direct), a sneaky 1% fee creeps in.
Verdict: VitalSwap keeps it simple and predictable—capped fees mean no nasty surprises.
2. Exchange Rate
- Vitalswap: Converts Naira to USD at rates so low, they often beat the black market. More dollars in your pocket, less stress on your mind.
- Chipper Cash: The exchange rate of Chipper Cash is often high in comparison to other payments platforms—eating into your $100 before you even spend it.
Verdict: VitalSwap hands you a better deal upfront.
3. Cost of Getting a Virtual Dollar Card
- Vitalswap: Card creation costs vary: Freedom Card (Mastercard) is $1. Splash Card (Visa) is $2. The Splash even comes with a 3-day money-back guarantee if it flops. Affordable and risk-free? Yes!
- Chipper Cash: A virtual dollar card costs $5 to create, deducted from the user’s USD balance. No refunds, no flexibility—just a bigger hit to your budget.
Verdict: VitalSwap’s cheaper cards (and that sweet guarantee) make it a no-brainer.
4. Cost of Maintenance
- Vitalswap: Freedom Card costs$1/month;Splash Card: zero monthly fee
- Chipper Cash: $1 monthly maintenance fee, deducted on the 28th of every month.
Verdict: VitalSwap’s Splash Card saves you that monthly dollar—small wins matter.
5. Cost of Funding the Virtual Dollar Card
- Vitalswap: A tiny $0.50 per funding transaction.
- Chipper Cash: Funding the card is free. However, a 1% fee applies if funds are received from external sources (e.g., Visa Direct).
Verdict: VitalSwap’s flat fee is simpler; Chipper’s “free” comes with strings attached.
Spending $100 on E-commerce: The Real Cost Breakdown
Let’s put it to the test. If you have $100 to spend on any online store—here’s what each platform costs you, step by step, assuming you’re starting fresh with an active card.
Overall Verdict
With VitalSwap’s Splash Card, you’re out just $3.50 total, leaving you $96.50 to spend.
With Chipper Cash, a big $6 out already plus a worse exchange rate means your $100 barely stretches to $94. That’s $2.50 more you could’ve spent on that Shein haul or Amazon gadget.
Both Vitalswap and Chipper Cash provide virtual dollar cards that enable entrepreneurs, freelancers, businesses, and, generally, everyone in their regions a convenient and secure way to make online payments conveniently. However, the numbers don’t lie—VitalSwap is the smarter pick for spending your $100.
Vitalswap is a better option, especially with its Visa Splash Card (no maintenance card). It also provides a cheaper exchange rate and supports major e-commerce platforms like Amazon, Facebook, Alibaba, and Shein.
Here’s How To Get Your VitalSwap Virtual Dollar Card
- Step 1 – Log in to the VitalSwap app and click ‘Card’ on the dashboard.
- Step 2 – On the Cards page, tap ‘Get USD Virtual Card.”
- Step 3 – Select your card option then click “continue.”
- Step 4 – Fund your card from any of your wallets and tap ‘Create Card’.
Once you’ve successfully created your card, your card details are visible and your card is ready for use instantly on all your favourite online shops and platforms.
Why settle for less when you can save more? Make the switch to VitalSwap today.
Go download the VitalSwap app now and get started by creating your VitalSwap Virtual USD Card.
