Cardcosmic vs Vivakard: Which Should You Trade With?
Score by dimension
| Dimension | Cardcosmic | Vivakard |
|---|---|---|
| Gift card rates | 7.8 / 10 | 9.0 / 10Vivakard wins |
| Payout speed | 9.0 / 10 | 9.5 / 10Vivakard wins |
| Trade experience | 8.5 / 10 | 8.5 / 10 |
| Support & disputes | 8.5 / 10 | 8.7 / 10Vivakard wins |
| KYC & onboarding | N/A | N/A |
| Product quality | 7.0 / 10 | 8.7 / 10Vivakard wins |
| Other features | 4.0 / 10 | 8.0 / 10Vivakard wins |
| Security & trust | 8.0 / 10Cardcosmic wins | 7.0 / 10 |
| Reputation | 9.0 / 10Cardcosmic wins | 7.0 / 10 |
| App reviews | 8.6 / 10 | 8.9 / 10Vivakard wins |
| Overall | 7.8 / 10 | 8.4 / 10 |
Side-by-side facts
| Detail | Cardcosmic | Vivakard |
|---|---|---|
| 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. | Vivakard displayed a rate of ₦1,147 per $1 and an expected payout of ₦11,478 for our $10 US Razer Gold e-code. The researcher received ₦12,000, including a bonus whose amount and basis were not specified. |
| Tested payout time (latest test) | 2 minutes | 1 minute |
| Bank withdrawal time (latest test) | 2 minutes | 2 minutes |
| Support first response | 3 minutes | 2 minutes |
| 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, Footlocker, GameStop, Google Play, PlayStation, Razer Gold, 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. | Vivakard did not ask us to complete identity verification. We created the account with a name, email address and password and were able to trade without submitting BVN, an ID or a selfie. |
| 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 fee observed |
Frequently asked questions
Is Cardcosmic or Vivakard better overall?
Vivakard is better overall. It scores 8.4 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 Vivakard?
Vivakard rated better on the card we traded. Our gift card rates score is 7.8 for Cardcosmic and 9.0 for Vivakard. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.
Which pays out faster, Cardcosmic or Vivakard?
Vivakard 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.
Which has faster customer support, Cardcosmic or Vivakard?
Vivakard replied first. Support took 2 minutes to answer at Vivakard and 3 minutes at Cardcosmic when we contacted them during testing.