Stellar Card — tariffs, fees and real card cost
Rating 77✓ Data verifiedKYC: FullTeam access
A US fintech startup (2023) — an invite-only community for media buyers and iGaming, with access granted after an interview with a manager. Teams of up to 150 users with sub-accounts and card handover, plus built-in AI tooling (MCP). A 14-day free trial is available.
Tariffs checked on: 2026-07-17
Tariffs and fees
| Card issue | Free |
| Top-up fee | 4% |
| Subscription | $100/mo |
| Cashback | — |
| Decline fee | $0–0.5 |
| Min deposit | $500 |
Specs
| KYC | Full |
| Team access | Yes, roles and shared access |
| BIN geos | US |
| Ad platforms | FB, Google, TikTok |
| Card types | Visa, Mastercard |
| BINs | US (American BINs, 12); Private — 24 BIN + International |
Details
| Min. deposit | $500 (then $1,500, wire $3,000) |
| Top-up | Crypto, WIRE |
| Access | Invite-only (an interview with a manager is mandatory) |
| Plans | Stellar $100/mo, Private $500/mo, Plus individual (from $500k/mo spend) |
| Deposit | Stellar crypto 4% / wire 3%, Private 3% / 2% |
| BINs | 12 (Stellar), 24 International (Private) |
| 3DS | Automatic, no OTP |
| API | Yes, on every plan (Transaction API), MCP integration for AI agents |
| International transaction | 1% + $0.50, FX 1% (waived on Private with international BINs) |
| Trial | 14 days free once your application is approved |
| Team | Up to 150 users, admin/employee roles, sub-accounts |
| Highlights | AI/MCP integration, fee-free withdrawals, card handover between users |
Pros and cons
Pros
- AI/MCP integration for managing cards through AI agents
- Automatic 3DS with no OTP
- Withdrawals with no fee and no limit
- The Transaction API is available on every plan, including the base one
- 14-day free trial once your application is approved
- Up to 150 team members, sub-accounts, admin/employee roles
Cons
- Invite-only access (an interview with a manager is mandatory)
- High entry threshold: $100–500/mo subscription plus a deposit from $500
- FB and Google only — no TikTok
- No public payment terms with exact card fees — detailed conditions only after onboarding
Tariff changes
2026-07-08downFixed: the Transaction API is available on all plans, including the base Stellar $100/mo, not only on Private. Added a 14-day free trial and a team limit of 150 users.
2026-06-30newIntroduced Stellar $100/mo and Private $500/mo plans with different deposit rates (4%/3%) and built-in AI/MCP integration.
FAQ
Does Stellar Card require KYC?
Yes, Stellar Card requires full verification.
How much does a card cost in Stellar Card?
Card issue — free. Subscription — $100/mo.
Does Stellar Card have cashback?
—
Is there a promo code for Stellar Card?
Stellar Card has no active promo code in our database right now. Current codes for all services live on the calculator.
Which BIN geos does Stellar Card offer?
US — US (American BINs, 12); Private — 24 BIN + International
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