Virtual card calculator for affiliate marketing

Work out the real cost for your own parameters
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No KYC
Promo code
Cashback
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FAQ
A quick look at how the calculator works
We take the service tariffs for your chosen number of cards and budget, add the issue and top-up fees, and factor in the Decline Rate — the share of declined transactions, which are also charged a fee. The result is what the cards will actually cost you per month.
Decline Rate is the share of failed transactions on your cards. Most services charge a small fee for every decline, so the higher this percentage, the more noticeably it affects the final cost.
If a service has a promo code, the promo icon on its card is highlighted — click it to see the code and activation terms. For services without a promo code the icon is dimmed and inactive.
Yes — mark up to 4 services with the compare icon and a floating bar appears at the bottom. Click “Compare” to open a table with tariffs, geos, fees and other parameters side by side.
The data is collected from the services own dashboards and updated regularly. The full list of changes is available via the “Changes” link at the top of the page.
An independent calculator of the real cost of virtual cards for affiliate marketing. Tariffs, fees and Decline Rate come from the services own dashboards and are verified and updated regularly.
— services in the database
© 2026 CardAff · Ver. 0.77 beta Reference information, not financial advice.