# 简单透明的定价

没有隐藏费用，没有意外收费。选择适合您业务的方案，随业务增长灵活扩展。

[开设账户](https://web.limitedapp.com/signup) · [联系销售团队](https://www.limitedapp.com/zh/contact)

**Page title:** 卡片等级与定价  
**Summary:** 比较 Limited 面向企业和个人的卡片等级。各等级的会员费、奖励和权益一览无余，助您选出合适的卡片。  
**URL Source:** https://www.limitedapp.com/zh/pricing  
**Language:** 简体中文 (zh) · Also available in: [English (en)](https://www.limitedapp.com/en/pricing.md), [Español (es)](https://www.limitedapp.com/es/pricing.md), [Português (pt)](https://www.limitedapp.com/pt/pricing.md), [繁體中文 (zh-HK)](https://www.limitedapp.com/zh-HK/pricing.md)

---

## 企业

价格以美元计。

| 功能类别 | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| 会员费 | 免费 | $99.99/年 · $9.99/月 | $449.99/年 · $44.99/月 |
|  | Your entry to premium banking | Elevated rewards for everyday spending | Premium benefits for the discerning customer |
|  | [开设账户](https://web.limitedapp.com/signup?tier=business_white) | [开设账户](https://web.limitedapp.com/signup?tier=business_silver) | [开设账户](https://web.limitedapp.com/signup?tier=business_gold) |

### Card Features

| 功能类别 | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Card Material | Standard Plastic | Matte | Metal |
| Card Design | Classic White | Brushed Silver Finish | Premium Gold Finish |
| Contactless Payment | Included | Included | Included |
| Virtual Cards | 2 Free | 5 Free | Unlimited |
| Card Replacement | $25 Fee | Free Standard Shipping | Free Express Shipping |

### Rewards & Cashback

| 功能类别 | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Cashback on All Spend | 1% | 2% | 3% |
| Category Bonuses | 1X Dining & Quick Service · 1X Groceries & Supermarkets · 1X Online Shopping & Delivery · 1X Streaming & Entertainment | 1.5X Dining & Quick Service · 1.5X Groceries & Supermarkets · 1.5X Online Shopping & Delivery · 1.5X Streaming & Entertainment | 2X Dining & Quick Service · 2X Groceries & Supermarkets · 2X Online Shopping & Delivery · 2X Streaming & Entertainment |
| Points Value | $0.01 per point | $0.01 per point | $0.01 per point |
| Featured Offers | 5 featured | 5 featured | 5 featured |

### Travel Benefits

| 功能类别 | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Airport Lounge Access | Visa Airport Companion | Visa Airport Companion | Priority Pass + Airport Companion |
| Car Rental Insurance | Worldwide Coverage | Worldwide Coverage | Worldwide Coverage |

### Lifestyle Benefits

| 功能类别 | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Concierge Service | 24/7 Worldwide | 24/7 Worldwide | 24/7 Worldwide |
| Hotel Status | Visa Luxury Hotel Collection | Visa Luxury Hotel Collection | Visa Luxury Hotel Collection |
| Purchase Protection | Up to $5,000 · 180 Days | Up to $5,000 · 180 Days | Up to $5,000 · 180 Days |
| Extended Warranty | +1 Year (up to $5,000) | +1 Year (up to $5,000) | +1 Year (up to $5,000) |
| Price Protection | $500/item · $2,000/yr | $500/item · $2,000/yr | $500/item · $2,000/yr |

### Account Features

| 功能类别 | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Authorized Users | 1 Free | 3 Free | Unlimited Free |
| Sub-accounts for Family | Not Included | Included | Included |
| Spending Controls | Basic | Basic | Advanced |
| Real-time Notifications | Included | Included | Included |
| Expense Management | Not Included | Categories Only | Full Suite |

### Fees & Charges

| 功能类别 | Business White | Business Silver | Business Gold |
| --- | --- | --- | --- |
| Annual Fee | Free | $99.99/yr or $9.99/mo | $449.99/yr or $44.99/mo |
| Foreign Transaction Fee | 2.50% | 1% | 0% |
| APR | 18.99% - 25.99% | 16.99% - 23.99% | 14.99% - 21.99% |
| Cash Advance Fee | 5% Min $10 | 3% Min $10 | 3% Min $10 |
| Late Payment Fee | Up to $39 | Up to $39 | Waived Once/Year |
| Over Limit Fee | $35 | No Fee | No Fee |

## 个人

价格以美元计。

| 功能类别 | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| 会员费 | 免费 | $69.99/年 · $6.99/月 | $449.99/年 · $44.99/月 |
|  | Your entry to premium banking | Elevated rewards for everyday spending | Premium benefits for the discerning customer |
|  | [开设账户](https://web.limitedapp.com/signup?tier=personal_white) | [开设账户](https://web.limitedapp.com/signup?tier=personal_silver) | [开设账户](https://web.limitedapp.com/signup?tier=personal_gold) |

### Card Features

| 功能类别 | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Card Material | Standard Plastic | Matte | Metal |
| Card Design | Classic White | Brushed Silver Finish | Premium Gold Finish |
| Contactless Payment | Included | Included | Included |
| Virtual Cards | 2 Free | 5 Free | Unlimited |
| Card Replacement | $25 Fee | Free Standard Shipping | Free Express Shipping |

### Rewards & Cashback

| 功能类别 | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Cashback on All Spend | 1% | 2% | 3% |
| Category Bonuses | 1X Dining & Quick Service · 1X Groceries & Supermarkets · 1X Online Shopping & Delivery · 1X Streaming & Entertainment | 1.5X Dining & Quick Service · 1.5X Groceries & Supermarkets · 1.5X Online Shopping & Delivery · 1.5X Streaming & Entertainment | 2X Dining & Quick Service · 2X Groceries & Supermarkets · 2X Online Shopping & Delivery · 2X Streaming & Entertainment |
| Points Value | $0.01 per point | $0.01 per point | $0.01 per point |
| Featured Offers | 5 featured | 5 featured | 5 featured |

### Travel Benefits

| 功能类别 | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Airport Lounge Access | Visa Airport Companion | Visa Airport Companion | Priority Pass + Airport Companion |
| Car Rental Insurance | Worldwide Coverage | Worldwide Coverage | Worldwide Coverage |

### Lifestyle Benefits

| 功能类别 | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Concierge Service | 24/7 Worldwide | 24/7 Worldwide | 24/7 Worldwide |
| Hotel Status | Visa Luxury Hotel Collection | Visa Luxury Hotel Collection | Visa Luxury Hotel Collection |
| Purchase Protection | Up to $5,000 · 180 Days | Up to $5,000 · 180 Days | Up to $5,000 · 180 Days |
| Extended Warranty | +1 Year (up to $5,000) | +1 Year (up to $5,000) | +1 Year (up to $5,000) |
| Price Protection | $500/item · $2,000/yr | $500/item · $2,000/yr | $500/item · $2,000/yr |

### Account Features

| 功能类别 | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Authorized Users | 1 Free | 3 Free | Unlimited Free |
| Sub-accounts for Family | Not Included | Included | Included |
| Spending Controls | Basic | Basic | Advanced |
| Real-time Notifications | Included | Included | Included |
| Expense Management | Not Included | Categories Only | Full Suite |

### Fees & Charges

| 功能类别 | Personal White | Personal Silver | Personal Gold |
| --- | --- | --- | --- |
| Annual Fee | Free | $69.99/yr or $6.99/mo | $449.99/yr or $44.99/mo |
| Foreign Transaction Fee | 3% | 2% | 0% |
| APR | 18.99% - 25.99% | 16.99% - 23.99% | 14.99% - 21.99% |
| Cash Advance Fee | 5% Min $10 | 3% Min $10 | 3% Min $10 |
| Late Payment Fee | Up to $39 | Up to $39 | Waived Once/Year |
| Over Limit Fee | $35 | No Fee | No Fee |

## Limited 究竟要花多少钱？直接的答案

以下答案中的价格、费用和限额，与上方卡片使用同一套实时数据。此处未列出的费用，都会在应用内确认前显示。

**Business White 卡真的免费吗？**

是的。Business White 没有月费或年费，实体卡不收费，并包含 2 张虚拟卡。你只需支付对比表中按使用计收的费用：例如外币消费收取 2.50%；若以信用模式用卡，则适用 White 一栏所列的年利率（APR）以及预借现金、逾期还款和超额费用。

**Limited 靠什么赚钱？**

Silver 和 Gold 会员费（每年 $99.99 和 $449.99，或按月计费）、对比表中的使用费（外币交易、预借现金、逾期与超额费用、补卡费）、信用额度余额的利息，以及部分转账和付款通道的手续费或汇率加价。每一项费用和加价都会在你确认交易前显示在报价中。

**货币兑换和外币交易的费用是多少？**

卡消费的外币交易费按等级而定：Business White 为 2.50%，Silver 为 1%，Gold 为 0%。转账和兑换（包括稳定币兑换）的任何加价都已包含在报价汇率中，报价会在确认前列出完整的费用明细。汇款业务中，报价汇率自你发起转账起锁定 96 小时。

**卡的消费限额是多少？**

每个等级都有内置限额。Business White：单笔 $5,000、每日 $10,000、每月 $50,000。Silver：$10,000、$25,000、$100,000。Gold：$50,000、$100,000、$500,000。你可以按卡、持卡人或部门设置更低的限额，并随时在应用内更改。

**可以升级、降级或取消吗？**

可以。创建卡片时选择 White、Silver 或 Gold，之后可在应用内更换等级；月中更换按当月剩余天数按比例计费，下一次扣费在次月 1 日。会员费以美元按月或按年计收，可随时在账户设置中取消，已付费周期不予退款。任何一张卡都可以即时冻结或取消。

**我可以在哪些国家开设本地账户？**

美国（USD）、欧盟（EUR）、英国（GBP）、墨西哥（MXN）和巴西（BRL）等，全部以你公司的名义开立，无需设立本地实体。在“收款”页面选择国家和货币即可激活每个账户；部分账户在启用前需经过简短审核。

**我的资金由谁保管？是否有保险？**

Limited 不是银行。美元余额存放于受 FDIC 保险的合作银行；FDIC 保险在合作银行倒闭时保护你，而非在 Limited 倒闭时。稳定币余额以及美国以外的本地货币账户不受 FDIC 保险。激活账户时，你可以选择收款如何入账，例如以 USD 或 USDC 入账。

[在法律页面查看当前合作机构](https://www.limitedapp.com/zh/legal)

**开户需要多长时间？**

完成企业设置和入驻不到 10 分钟。使用手机号和电子邮箱注册，验证账户所有人的身份，然后提交公司资料和文件；验证通过后企业档案即启用。全部流程在网页应用内完成，无需邮寄纸质材料，也无需前往网点。

**开户或申请卡片需要美国公司吗？**

不需要。注册时选择你所在的国家，并验证你已有的公司即可，无需美国实体。其他市场的本地账户同样无需本地实体。

**ATM 取现有手续费吗？**

Business Gold 免收 Limited 自身的 ATM 手续费。其他等级适用应用内费用表所列的 ATM 手续费，ATM 运营方也可能另行收费。你可以按卡允许或禁止 ATM 取现。

## 了解 Limited 如何助力您的业务

获取我们团队的一对一演示，了解如何简化您的财务运营。

[开设账户](https://web.limitedapp.com/signup) · [联系销售团队](https://www.limitedapp.com/zh/contact)

- **销售:** sales@limitedapp.com
- **客服支持:** support@limitedapp.com
- **媒体:** press@limitedapp.com
- **总部:** Limited, Inc., 600 California Street, 11th Floor, San Francisco, CA 94108, United States

---

> Limited 是一家金融科技公司，不是银行。Limited, Inc. 是一家技术服务提供商，负责管理 Limited Card Program、Limited Pay 和 Limited Chroma 等多个项目与服务。美元余额存放于受 FDIC 保险保障的合作银行账户中。FDIC 保险保障的是受保银行倒闭的风险，而非 Limited 自身的倒闭风险，且以满足穿透式（pass-through）保险要求为前提。FDIC 保险不覆盖稳定币余额，也不覆盖美国境外的本地货币账户。Limited 的服务可能产生交易、跨境和/或融资费用，以及 Limited 第三方服务提供商的相关成本。由于 Limited 在多种监管制度下运营，其解决方案和服务的提供方式因地区而异。 [查看我们的合作机构。](https://www.limitedapp.com/zh/legal)

Last updated: 2026-09-15 (rendered from the live site sources) · Canonical: https://www.limitedapp.com/zh/pricing · Markdown: https://www.limitedapp.com/zh/pricing.md · Index: https://www.limitedapp.com/llms.txt · Sales: sales@limitedapp.com · Support: support@limitedapp.com