Table of Contents
Platform Overview
Choosing the right virtual card provider is one of the most impactful decisions an affiliate marketer can make. Your virtual cards are the gateway to funding ad campaigns, purchasing tools and subscriptions, and managing online spending. Capitalist and MyBrocard are two names that frequently appear in affiliate discussions, but they serve very different needs.
Capitalist is a comprehensive payment platform that has been serving the affiliate industry for over 11 years. Virtual cards are a core feature of Capitalist's ecosystem, which also includes payment receiving from affiliate networks, multi-currency wallets (USD, EUR, cryptocurrency), 35+ withdrawal methods, mass payment tools, API integration, and a dedicated affiliate marketplace. When you get a Capitalist virtual card, it is seamlessly integrated with a full financial infrastructure.
MyBrocard operates primarily as a virtual card provider. It offers virtual cards for online spending, including ad account funding, and has gained traction among affiliates looking for straightforward card services. MyBrocard does what it does competently, but its scope is limited to card issuance and management without the broader payment platform features that many affiliates require.
Side-by-Side Comparison
| Feature | Capitalist | MyBrocard |
|---|---|---|
| Platform Type | Full payment platform | Virtual card provider |
| Years in Business | 11+ years | Fewer years |
| Account Opening | Free | Free |
| Maintenance Fee | $0 | $0 |
| Virtual Card Cost | From €2.65 | Varies by card type |
| Per-Transaction Fee | ~€0.50 | Varies |
| Card Loading | From balance, bank, crypto | Bank transfer, other methods |
| Multiple Cards | Yes (unlimited) | Yes |
| Receive Payments | Yes (from affiliate networks) | No |
| Withdrawal Methods | 35+ worldwide | Very limited |
| Crypto Support | Yes (full wallet) | Limited or none |
| Mass Payments | Yes | No |
| API | Yes (full API) | No or limited |
| Marketplace | Yes (affiliate marketplace) | No |
| Currencies | USD, EUR, Crypto | USD, EUR |
| Internal Transfers | 0% fee | N/A |
Card Pricing & Fees
Virtual card pricing is a critical factor, especially for affiliates who run high volumes through their cards daily. Capitalist has established itself as one of the most affordable options in the market. Virtual cards start at just €2.65, with a transparent and predictable per-transaction fee of approximately €0.50. There are no hidden charges, no annual card fees, and no surprise costs on your statement.
MyBrocard prices its cards differently depending on the card type and features you select. While the entry-level pricing may seem competitive, the total cost of ownership — including per-transaction fees, loading fees, and any premium card charges — typically exceeds what Capitalist charges for equivalent usage.
Let us look at a practical example. An affiliate running $8,000 in monthly ad spend across 150 transactions would pay approximately $75 in card transaction fees with Capitalist (150 transactions x ~$0.50). With MyBrocard's typically higher per-transaction fees, the same volume could cost $150 to $300 or more. Over a year, that difference adds up to $900 to $2,700 in additional costs — money that could be reinvested into campaigns.
Card Features & Usability
Both Capitalist and MyBrocard allow you to create and manage multiple virtual cards from a dashboard. However, the experience and flexibility differ significantly.
Capitalist's virtual cards are integrated directly into your account balance. When you receive an affiliate payment, you can instantly allocate funds to any virtual card without any intermediate steps. You can create unlimited cards, each with individual spending limits, and manage them all from one centralized dashboard. Transaction notifications, spending analytics, and card lifecycle management are all built into the platform.
MyBrocard provides functional card management with the ability to create cards and monitor spending. However, since MyBrocard is not a full payment platform, loading your cards requires additional steps and external funding sources. This creates friction in your workflow, especially when you are managing multiple campaigns and need to move money quickly between receiving, holding, and spending.
Full Platform Features
This is the area where the comparison becomes most one-sided. Capitalist is not just a virtual card provider — it is a complete financial platform for affiliates. Beyond virtual cards, Capitalist includes:
MyBrocard does not offer any of these features. It is strictly a virtual card service, which means affiliates who choose MyBrocard must also maintain accounts on separate platforms for payment receiving and withdrawals, increasing both complexity and overall costs.
One Platform, Everything You Need
Virtual cards, payments, withdrawals, crypto — Capitalist handles it all with industry-low fees.
Create Free Capitalist Account →Best Use Cases
Choose Capitalist If You…
- Want a single platform for receiving, spending, and withdrawing affiliate income
- Need affordable virtual cards for high-volume ad campaign funding
- Value fast access to your earnings through 35+ withdrawal methods
- Want cryptocurrency support integrated with your payment workflow
- Manage teams or pay sub-affiliates regularly
- Are interested in buying and selling services in an affiliate marketplace
- Need API integration for automated financial processes
Choose MyBrocard If You…
- Only need virtual cards and nothing else
- Already have a separate payment receiving and withdrawal setup you are satisfied with
- Have low card usage volume where fee differences are minimal
Pros & Cons
✓ Capitalist Pros
- Virtual cards from just €2.65
- ~€0.50 transparent per-transaction fee
- Full payment platform with 11+ years of history
- Native affiliate network payment receiving
- 35+ withdrawal methods worldwide
- Multi-currency support including cryptocurrency
- Integrated affiliate marketplace
- Mass payments and complete API access
- 0% free internal transfers
- No maintenance or annual fees
✗ Capitalist Cons
- No physical card option
- Primarily focused on affiliate industry (not general-purpose)
✓ MyBrocard Pros
- Simple, card-focused service
- Quick virtual card creation
- Works for basic online spending needs
- Straightforward onboarding process
✗ MyBrocard Cons
- Higher overall card fees
- No payment receiving capability
- Very limited withdrawal options
- No cryptocurrency wallet
- No mass payment tools
- No API integration
- No marketplace features
- Shorter track record in the industry
- Requires additional platforms for full affiliate workflow
Final Verdict
Capitalist wins this comparison decisively for virtually every affiliate use case. The combination of affordable virtual cards, comprehensive payment platform features, and 11+ years of industry experience makes Capitalist the superior choice for affiliate marketers who need a reliable, cost-effective financial partner.
MyBrocard serves a narrow purpose — providing virtual cards — and does so adequately. But in an industry where efficiency, cost savings, and platform integration are critical to profitability, Capitalist's all-in-one approach delivers significantly more value. The ability to receive affiliate payments, manage virtual cards, hold multiple currencies including crypto, withdraw through 35+ methods, and access an affiliate marketplace from a single account is simply unmatched by a card-only provider.
For affiliates looking to consolidate their financial tools and reduce unnecessary fees, Capitalist is the clear recommendation in 2026. The free account setup means you can experience the platform firsthand with zero financial commitment.
Start with Capitalist — Free Forever
No monthly fees, no card maintenance charges. Just low-cost virtual cards and a full payment platform built for affiliates.
Create Your Free Account Now →Affiliate Disclosure: This site contains affiliate links. If you sign up through these links, we may earn a commission at no extra cost to you.
Frequently Asked Questions
Capitalist is the better overall choice because it offers virtual cards from €2.65 as part of a complete payment platform. MyBrocard is a capable virtual card provider, but Capitalist's lower fees, broader financial features including payment receiving, 35+ withdrawal methods, crypto support, and an affiliate marketplace make it far more versatile and cost-effective for most affiliate marketers.
Capitalist virtual cards start at €2.65 with a per-transaction fee of approximately €0.50. MyBrocard also charges for card issuance and per-transaction fees, but its overall fee structure tends to be higher, especially when you factor in loading and usage costs. For affiliates spending thousands monthly on virtual cards, Capitalist's transparent and low pricing delivers better long-term value.
Capitalist natively supports receiving payments from affiliate networks, making it a true end-to-end financial platform for affiliates. MyBrocard is primarily focused on virtual card issuance and does not offer built-in affiliate payment receiving. Affiliates using MyBrocard need a separate payment processor to receive their commissions, which adds complexity and potential additional fees.
Capitalist offers full cryptocurrency support as part of its multi-currency wallet (USD, EUR, crypto). You can receive, hold, and convert crypto alongside traditional currencies. MyBrocard may support crypto loading for cards in some cases, but it does not provide the same level of integrated crypto wallet functionality that Capitalist offers.
Capitalist has over 11 years of proven track record in the affiliate industry, serving thousands of affiliates worldwide with consistent service. MyBrocard has a shorter operational history and a narrower focus. For affiliates planning to build a long-term financial infrastructure, Capitalist's established reputation, regulatory compliance, and comprehensive feature set provide greater stability and peace of mind.