Cardcosmic vs Cardtonic: Which Should You Trade With?
Score by dimension
| Dimension | Cardcosmic | Cardtonic |
|---|---|---|
| Gift card rates | 7.8 / 10 | 9.5 / 10Cardtonic wins |
| Payout speed | 9.0 / 10 | 9.5 / 10Cardtonic wins |
| Trade experience | 8.5 / 10 | 9.0 / 10Cardtonic wins |
| Support & disputes | 8.5 / 10 | 8.9 / 10Cardtonic wins |
| KYC & onboarding | N/A | 9.0 / 10Cardtonic wins |
| Product quality | 7.0 / 10 | 9.4 / 10Cardtonic wins |
| Other features | 4.0 / 10 | 9.0 / 10Cardtonic wins |
| Security & trust | 8.0 / 10 | 9.5 / 10Cardtonic wins |
| Reputation | 9.0 / 10 | 9.5 / 10Cardtonic wins |
| App reviews | 8.5 / 10 | 8.7 / 10Cardtonic wins |
| Overall | 7.8 / 10 | 9.2 / 10 |
Side-by-side facts
| Detail | Cardcosmic | Cardtonic |
|---|---|---|
| Rate received (latest test) | The tested $20 US Razer Gold e-code was quoted at ₦1,107 per dollar. Cardcosmic displayed a sale price of ₦22,140, which matched the amount received in the bank. | Cardtonic processed our $5 US Razer Gold e-code at ₦1,175 per dollar and paid ₦5,875. The displayed and received amounts matched, and no selling or bank-payment deduction was recorded. |
| Tested payout time (latest test) | 2 minutes | 1 minute |
| Bank withdrawal time (latest test) | 2 minutes | 1 minute |
| Support first response | 3 minutes | 3 minutes |
| KYC time | Not tested | 4 minutes |
| Payout methods | Bank Transfer | Bank transfer, Wallet balance |
| Gift card types | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, Xbox | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Xbox |
| KYC requirements | Cardcosmic did not request identity verification during our test. The account was created using a full name, email address, phone number and password. | Cardtonic has basic and advanced KYC levels. Basic KYC required a date of birth, BVN and a clear selfie. Advanced KYC required a valid government-issued ID and proof of address. Both levels took six minutes to complete. Advanced KYC was approved in four minutes. |
| Fee structure | No gift card trading fee was recorded during our test. Cardcosmic charged ₦100 to withdraw from the wallet to a bank account. The wallet balance before withdrawal was ₦22,240, and the researcher received ₦22,140 in the bank. | No selling or bank-withdrawal fee was recorded during the tested transaction. Cardtonic displayed an expected payout of ₦5,875 for the $5 Razer Gold e-code, and the researcher received ₦5,875. |
Frequently asked questions
Is Cardcosmic or Cardtonic better overall?
Cardtonic is better overall. It scores 9.2 out of 10 against 7.8 for Cardcosmic, based on our own trades on both platforms.
Which gives a better gift card rate, Cardcosmic or Cardtonic?
Cardtonic rated better on the card we traded. Our gift card rates score is 7.8 for Cardcosmic and 9.5 for Cardtonic. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.
Which pays out faster, Cardcosmic or Cardtonic?
Cardtonic paid out faster in our test: 1 minute to complete the trade against 2 minutes on Cardcosmic. That is the tested payout time, measured from card submission to the trade value being credited; a later bank withdrawal is recorded separately.