Spend.net — tariffs, fees and real card cost

Rating 64KYC: SoftTeam access

Spend.net is a platform for virtual USD Visa and Mastercard cards for ad payments with cashback. Card issue and maintenance are free and there are no transaction or decline fees; the cost is in the card load — 6%, 5% on loads from $1,000 and 3.75% from $5,000 — partly returned as 2% cashback (up to $5,000 a month). 20+ BINs from US banks, dedicated cards for Facebook, Google, TikTok, Microsoft, Snapchat and six more platforms, and a team workspace. The account is funded in crypto only (USDT TRC-20, BTC).

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Tariffs checked on: 2026-09-21

How much it costs in practice

Solo

10 cards · $3,000 budget

$212per month

Tariff: 6%

Top-up fee: $212

Cashback back to you: $60

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Team

50 cards · $20,000 budget

$1,414per month

Tariff: 6%

Top-up fee: $1,414

Cashback back to you: $400

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Scale

200 cards · $100,000 budget

$7,071per month

Tariff: 6%

Top-up fee: $7,071

Cashback back to you: $2,000

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Monthly cost at a 0% decline rate — the same formula the calculator uses. Cashback is shown separately and is not subtracted from the total.

Tariffs and fees

Card issue	Free
Card load under $1,000	6%
Subscription	None
Cashback	2% (max $5000)
Decline fee	None
Min deposit	no minimum (USDT deposits under $50 cost $5, the first one is free)

Specs

KYC	Soft
Team access	Yes, roles and shared access
BIN geos	US
Ad platforms	FB, Google, TikTok, Bing, Snapchat
Card types	Visa, Mastercard
BINs	20+ BINs · US banks · Visa / Mastercard

Details

Card issue	$0
Maintenance	$0 / month
Card load	6% · 5% from $1,000 · 3.75% from $5,000 per load, minimum $1
Transactions	$0
Declines	$0
International fee	3% on transactions with merchants outside the US (min $0.50 under $5, $1 from $5)
Account funding	USDT TRC-20 (free from $50) or BTC (free from $1,000)
Exchange	USDT → USD ≈ 0.99; USD → USDT ≈ 0.995
Cashback	2% on ads, up to $5,000/month, credited on the first day of the billing period
Premium	−1% on the load fee, +1% cashback; price shown in the dashboard
Verification	Welcome: 1 card, $500/month · Scale: 5 cards, $5,000/month · Unlimited: 1,000 cards, no limit
BINs	20+, US banks, Visa and Mastercard
Platforms	Facebook, Google, TikTok, Microsoft, Snapchat, Pinterest, Reddit, LinkedIn, Quora, Taboola, Outbrain
Team	master account, member balances, card transfers
Withdrawal	USDT only, manual, up to 14 days, from $10
Legal entity	Widberg Affiliates Limited, Marshall Islands

Pros and cons

Pros

Card issue and maintenance — $0
No transaction or decline fees
2% cashback on ad spend, up to $5,000 a month
Load fee drops to 3.75% on loads from $5,000
20+ BINs, dedicated cards for 11 ad platforms
Team workspace: member balances, card transfers, top-up requests
XLS and CSV statements, 24/7 support
First card can be tried without paperwork

Cons

Cards are issued by US banks: per the service's FAQ, a 3% International Fee (min $0.50–1) applies to transactions with merchants outside the US. If your ad account is billed from Ireland, this can wipe out the cashback — not included in the calculator total
Account funding in USDT and BTC only; USDT → USD exchange at ≈ 0.99 (−1%)
Small loads are expensive: 6% under $1,000, minimum $1 per load
Premium price (−1% fee, +1% cashback) is not published
Limits by verification level: 1 card and $500/month on the base level, 5 cards and $5,000 on Scale
Account withdrawals in USDT only, processed manually, up to 14 days
The site contradicts itself on cashback: 2% on the landing page, 3% in the FAQ
The Advertisement card can only be used for ad payments

Tariff changes

2026-09-21newAdded Spend.net: US-issued Visa/Mastercard ad cards with $0 issue, $0 monthly, no transaction or decline fees. The cost is the card load fee — 6% under $1,000 per load, 5% from $1,000, 3.75% from $5,000 (min $1) — plus ~1% on the mandatory USDT → USD exchange; 2% cashback on ad spend up to $5,000/month. 20+ BINs. Caveat: the FAQ lists a 3% international fee on merchants outside the US, which is not included in the total; Premium pricing is not published.