Virtual card calculator for affiliate marketing

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Team
No KYC
Promo code
Cashback
AI top 3 3
Pay2.House
KYC: soft Rating: 100/100
Geo: HK, US, SG, CA, EE
Platforms: FB, Google, TikTok

Push.House ecosystem with free internal transfers · Dedicated BINs specifically for Facebook/Instagram/Meta Ads · 20% discount on issuing 100 cards or more

  • Card issue$5
  • Maintenance/card$5/mo
  • Card top-up3%
  • Transaction fee1.9%
  • Decline fee$0.3
  • Min. deposit$50
Multicards.io
KYC: soft Rating: 88/100
Geo: US, UK, EU, HK, EE, TR
Platforms: FB, Google, TikTok, Bing

Best team features on the market (Owner/Accountant/TeamLead/Buyer roles) · 80+ BINs, 5 geos · Google Pay and Apple Pay

  • Card issue$2
  • Top-up fee3%
  • Transaction fee2%
  • Min. deposit200 USDT
PST.NET
KYC: Y Rating: 87/100
Geo: US, EU
Platforms: FB, Google, TikTok, Bing

Best for Google Ads according to reviews · Plans from 1 card up to Enterprise (unlimited) · Cashback up to 3% (max $5,000)

  • Card issuefree
  • Subscription$10–499/mo
  • Top-up fee4–6%
  • Cashback1–3%
  • Min. deposit$1
Combo Cards
KYC: soft Rating: 87/100
Geo: US, UK, CH, EE, HK, SG
Platforms: FB, Google, TikTok, Bing

First 20 cards free · Soft KYC to start with · Broad coverage — 6 geos, 55+ BINs

  • Card issuefirst 20 free, then $1.5
  • Maintenance/card$2.35/mo
  • Top-up fee3%
  • Decline fee$0–0.5
  • Min. deposit1 USDT (crypto), $50 (networks), $5,000 (bank)
FlexCard
KYC: soft Rating: 86/100
Geo: US, UK, EE, BR, EU
Platforms: FB, Google, TikTok

Best for Facebook Ads · Soft KYC through a Telegram bot · A single transparent 3.5% fee

  • Card issue$2.5
  • Top-up fee3.5%
  • Decline fee$0.35
  • Min. deposit$50 (crypto) / $100 (wire)
CardsPro
KYC: N Rating: 86/100
Geo: US, UK, HK, EE
Platforms: FB, Google, TikTok

The only one supporting SBP instant payments · No monthly fee · No KYC

  • Card issue$2.5
  • Top-up fee4%
  • Decline fee$0.4
  • Min. deposit$10
Spendge
KYC: soft Rating: 86/100
Geo: US, UK, EU, EE, HK
Platforms: FB, Google, TikTok, Bing

30+ cryptocurrencies for top-ups · Anonymous card issue · Cards can be frozen

  • Card issue$5
  • Maintenance/card$5/mo
  • Top-up fee3%
  • Cashbackcashback from 2.5% (tiered by turnover)
  • Decline fee$0.35
  • Min. deposit$300
AdsCard
KYC: N Rating: 85/100
Geo: US, EU, HK, UK
Platforms: FB, Google, TikTok, Snapchat

No KYC at all · REST API for automation · Single account balance — no need to split money across cards

  • Card issue$1.75
  • Top-up fee4%
  • Min. deposit$100
LinkPay
KYC: soft Rating: 85/100
Geo: US, UK, EU
Platforms: FB, Google, TikTok, Bing

Plans from the free Lite up to Ultra with 79 cards · Cashback up to 2% (Ultra) · “Credit” lines with higher trust (Level 2/3 Data)

  • Card issuefree
  • Subscription$0–209/mo
  • Top-up fee2.9–4.9%
  • Transaction fee1–2%
  • Cashback0–2%
  • Decline feetiered
  • Min. deposit$15
WantToPay
KYC: soft Rating: 84/100
Geo: US, HK
Platforms: FB

Lowest entry threshold ($10) · Apple/Google/Samsung Pay on the Smart/Pro plans

  • Card issue$15
  • Maintenance/card$6/mo
  • Top-up (crypto, Smart)9%
  • Decline fee$0.25
  • Min. deposit$10
eCards
KYC: N Rating: 80/100
Geo: UK, EU
Platforms: FB, Google, TikTok

No mandatory KYC · KYC is voluntary and rewarded: fee-free top-ups up to $1,000, priority support, personalised terms (passport/ID + selfie, ~24h review, GDPR) · Cashback up to 1% at turnover from $250k/mo

  • Card issuefree
  • Top-up fee4.5%
  • Decline fee$0.2–0.5
  • Min. deposit$500
EPN Cards
KYC: Y Rating: 78/100
Geo: US, EU, BR
Platforms: FB, Google, TikTok

Tier system — the fee drops automatically as turnover grows (6.7%→3%) · 102 BINs, 36+ banks · Mobile app + Telegram bot

  • Card issue$4
  • Top-up fee6.7%
  • Decline fee$0.25
  • Min. deposit$50 (account), $1 (card)
Stellar Card
KYC: Y Rating: 77/100
Geo: US
Platforms: FB, Google, TikTok

AI/MCP integration for managing cards through AI agents · Automatic 3DS with no OTP · Withdrawals with no fee and no limit

  • Card issuefree
  • Subscription$100/mo
  • Top-up fee4%
  • Decline fee$0–0.5
  • Min. deposit$500
Brocard
KYC: Y Rating: 77/100
Geo: US, EU, HK, SG
Platforms: FB, Google, TikTok

Pay-per-card: $2 per card, no subscription or monthly fee · First 50 cards free · 0% transaction fee on US/EU cards

  • Card issuefirst 50 free, then $2
  • USDT4%
  • Cashbackdecline fees refunded at DR<15% (100/50/25%)
  • Decline fee$0.5
  • Min. deposit$500
AnyBill
KYC: soft Rating: 71/100
Geo: US, UK, HK, EU
Platforms: FB, Google, TikTok, Bing

Daily checks that BINs are still live · Soft KYC · Single 4% fee for both USD and EUR cards

  • Card issue$2.5
  • Top-up fee4%
  • Decline fee$0.3
  • Min. deposit$150 (first), $500 (thereafter)
4x4.io
KYC: soft Rating: 68/100
Geo: EU, UA
Platforms: FB, Google, TikTok

0% top-up via USDT/Paxum · Soft KYC · Specialises in iGaming and high-volume buying

  • Card issue$2
  • Maintenance on spend5%
  • Min. deposit$500
XCards
KYC: Y Rating: 65/100
Geo: US, UK, BR, TR, EE
Platforms: FB, Google, TikTok, Bing

Broad coverage — 5 geos, 30+ BINs · Unlimited cards after verification · Telegram bot for management

  • Card issue$2
  • Maintenance/card$3/mo
  • Top-up fee5%
  • Decline fee$0.25
  • Min. deposit$100
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 geos updated
© 2026 CardAff · Ver. 0.77 beta Reference information, not financial advice.