AI accounts
Plan for subscriptions such as ChatGPT or Claude without mixing card funds with API credits.
51cowork virtual cards
A US virtual card for overseas AI subscriptions.
Choose a monthly balance target for AI accounts and developer tools. Review card balances, bills and transactions in a separate Card Console.
You are using a test environment. Card and payment activity does not establish real merchant acceptance.
Use cases
Set aside a card for the subscriptions you use.
A separate card makes the intended budget and later charges easier to track.
Developer tools
Keep recurring charges for tools such as Cursor in a separate view.
Multiple subscriptions
When opening a new card for several overseas services, choose a larger target.
Five balance targets
Pick a monthly balance target.
The amount is a target balance, not a credit line, a monthly allowance or a guaranteed hard spending limit.
Monthly target$29
Service fee: $5 · Monthly feeFirst payment: $34
Monthly target$59
Service fee: $9 · Monthly feeFirst payment: $68
Monthly target$109
Service fee: $29 · Annual feeFirst payment: $138
Monthly target$209
Service fee: $49 · Annual feeFirst payment: $258
Monthly target$500
Service fee: $89 · Annual feeFirst payment: $589
Test prices for the current test environment. Check the Card Console invoice for the actual amount due.
How the amounts relate
Target, balance and bill are different numbers.
Monthly target
Each tier sets a target card balance. It is not bank credit or unlimited funds.
Available balance
The balance is the latest observed card balance. Check its sync time; it changes with card activity and is separate from API credits.
Card fee and top-up
The first bill includes the target and service fee. Monthly-fee cards bill the actual top-up principal plus the monthly service fee. Annual-fee cards charge 6% of the top-up principal plus $1 only when topped up; the annual fee is billed separately.
- 01
Compare tiers
Choose a target that fits the subscriptions you intend to manage.
- 02
Check the quote
Review the current fee, first payment and availability in Card Console before any order.
- 03
Track the card
Use the Console for balance, billing, card state and transactions. Payment confirmation, card delivery and the current card state are separate steps.
Using your card
- Pay card invoices through Stripe or cryptocurrency, as available in Card Console. Bills are generated automatically; you pay each bill yourself.
- A merchant decides whether to accept a card. Named services are use-case examples, not acceptance guarantees.
- Card funds and billing are separate from Token Console credits and model usage.
Common questions
How do I get started?
Open Card Console, sign in and check the available tiers. This environment uses test prices; invoice creation and payment depend on the service status shown there.
Is the amount a credit limit?
No. It is a monthly target balance, not borrowed funds, a monthly allowance or a guaranteed hard spending cap.
How much is the card fee?
The test service fees and first payments are listed above. Later bills separate top-up principal and applicable fees. API credits cannot pay card invoices.
Will a named AI service accept the card?
Merchant acceptance depends on that service and cannot be guaranteed.
How do I get support?
Email support@51cowork.com for card or invoice issues. Discord: not configured. Telegram: not configured. Groups are for general discussion; do not share order or sensitive card details there.
How do I stop renewal or close a card?
Stop renewal in Card Console to stop future bills. Existing bills still need attention, and the card may be frozen after the paid service period ends. Stopping renewal does not close the card or issue a refund. Email support to request closure; fees and remaining-funds handling require confirmation. The Token Console top-up refund policy does not apply to cards.
Manage your cards in Card Console.
One account identity, separate sign-ins. Card balances and bills stay separate from Token Console API credits and model usage.