Cardcosmic vs Tbay: Which Should You Trade With?
Score by dimension
| Dimension | Cardcosmic | Tbay |
|---|---|---|
| Gift card rates | 7.8 / 10Cardcosmic wins | 7.5 / 10 |
| Payout speed | 9.0 / 10Cardcosmic wins | 7.5 / 10 |
| Trade experience | 8.5 / 10Cardcosmic wins | 7.5 / 10 |
| Support & disputes | 8.5 / 10Cardcosmic wins | 8.0 / 10 |
| KYC & onboarding | N/A | N/A |
| Product quality | 7.0 / 10 | 7.5 / 10Tbay wins |
| Other features | 4.0 / 10 | 7.5 / 10Tbay wins |
| Security & trust | 8.0 / 10 | 8.0 / 10 |
| Reputation | 9.0 / 10Cardcosmic wins | 8.0 / 10 |
| App reviews | 8.6 / 10 | 9.1 / 10Tbay wins |
| Overall | 7.8 / 10 | 7.8 / 10 |
Side-by-side facts
| Detail | Cardcosmic | Tbay |
|---|---|---|
| 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. | We tested a $20 US Razer Gold e-code. The rate was 88.37%, or approximately 0.8837 points (₦1,077.63) per $1. |
| Tested payout time (latest test) | 2 minutes | 10 minutes |
| Bank withdrawal time (latest test) | 2 minutes | 3 minutes |
| Support first response | 3 minutes | 1 minute |
| Payout methods | Bank Transfer | Bank Transfer |
| 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, Google Play, Nike, PlayStation, Razer Gold, Roblox, Sephora, Steam, Vanilla, 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. | Tbay did not request identity verification during our test. The account was created using an email address, username and password. |
| 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. | For this trade, Tbay showed an order amount of approximately ₦23,540.23 (18.6989097 points) and a settled amount of approximately ₦21,552.53 (17.12 points). That leaves a difference of approximately ₦1,987.70 (1.5789097 points). The order page did not clearly label this total difference as a fee, so we calculated it by comparing the order amount with the settled amount. It should not be treated as a standard Tbay charge. The transaction breakdown also showed a dispute deduction of approximately ₦697.13 (0.55376 points). Tbay gave the reason as “incorrect balance or local currency.” This was specific to the tested transaction and is not presented as a regular Tbay fee. |
Frequently asked questions
Is Cardcosmic or Tbay better overall?
They are level. Both Cardcosmic and Tbay score 7.8 out of 10 in our latest tests, so the choice comes down to the individual dimensions in the table above.
Which gives a better gift card rate, Cardcosmic or Tbay?
There is no meaningful difference. Our gift card rates score is 7.8 for Cardcosmic and 7.5 for Tbay, so compare the live rate for your specific card before trading.
Which pays out faster, Cardcosmic or Tbay?
Cardcosmic paid out faster in our test: 2 minutes to complete the trade against 10 minutes on Tbay. That is the tested payout time, measured from card submission to the trade value being credited; a later bank withdrawal is recorded separately.
Which has faster customer support, Cardcosmic or Tbay?
Tbay replied first. Support took 1 minute to answer at Tbay and 3 minutes at Cardcosmic when we contacted them during testing.