Cardify Africa vs LegitCards: Which Should You Trade With?
Score by dimension
| Dimension | Cardify Africa | LegitCards |
|---|---|---|
| Gift card rates | 6.8 / 10 | 8.3 / 10LegitCards wins |
| Payout speed | 3.5 / 10 | 3.5 / 10 |
| Trade experience | 4.0 / 10 | 5.0 / 10LegitCards wins |
| Support & disputes | 6.0 / 10 | 9.0 / 10LegitCards wins |
| KYC & onboarding | 8.5 / 10Cardify Africa wins | N/A |
| Product quality | 8.0 / 10Cardify Africa wins | 7.0 / 10 |
| Other features | 9.0 / 10Cardify Africa wins | 4.0 / 10 |
| Security & trust | 8.0 / 10Cardify Africa wins | 4.0 / 10 |
| Reputation | 8.0 / 10Cardify Africa wins | 7.0 / 10 |
| App reviews | 8.2 / 10 | 9.0 / 10LegitCards wins |
| Overall | 7.0 / 10 | 6.3 / 10 |
Side-by-side facts
| Detail | Cardify Africa | LegitCards |
|---|---|---|
| Rate received (latest test) | Not recorded | The tested $20 US Razer Gold e-code was quoted at ₦1,120 per dollar. The expected value, wallet credit and final bank payment were all ₦22,400. |
| Tested payout time (latest test) | 14 hours 57 minutes | 1 hour 31 minutes |
| Bank withdrawal time (latest test) | 1 minute | 1 minute |
| Support first response | 5 minutes | 2 minutes |
| KYC time | 5 minutes | Not tested |
| Payout methods | Bank Transfer | Bank Transfer |
| Gift card types | Amazon, Razer Gold | Amazon, AMEX, Apple / iTunes, eBay, Footlocker, GameStop, Nike, PlayStation, Razer Gold, Sephora, Steam, Vanilla, Xbox |
| KYC requirements | The KYC process began with basic verification using a phone OTP and email address. Level 2 offered verification with either a BVN or NIN, while Level 3 required an accepted identity document, a selfie and a utility bill. The researcher completed the KYC process in five minutes. | Legit Card did not request identity verification during our test. We created the account using an email address, phone number, full name, and password. |
| Fee structure | Cardify did not charge a fee for the gift card trade. The completed trade credited ₦14,000 to the researcher’s Cardify wallet. Cardify then charged a ₦100 withdrawal fee, so ₦13,900 reached the researcher’s bank account. | No trading or withdrawal fee was recorded during our test. Legit Cards displayed ₦22,400 for the trade, credited ₦22,400 to the wallet, and the researcher received ₦22,400 in their bank account. |
Frequently asked questions
Is Cardify Africa or LegitCards better overall?
Cardify Africa is better overall. It scores 7.0 out of 10 against 6.3 for LegitCards, based on our own trades on both platforms.
Which gives a better gift card rate, Cardify Africa or LegitCards?
LegitCards rated better on the card we traded. Our gift card rates score is 6.8 for Cardify Africa and 8.3 for LegitCards. Rates move daily and vary by card type and denomination, so compare rates per dollar before you sell.
Which pays out faster, Cardify Africa or LegitCards?
LegitCards paid out faster in our test: 1 hour 31 minutes to complete the trade against 14 hours 57 minutes on Cardify Africa. 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, Cardify Africa or LegitCards?
LegitCards replied first. Support took 2 minutes to answer at LegitCards and 5 minutes at Cardify Africa when we contacted them during testing.