Start with the checkout that keeps failing
Six of the checkouts we get asked about most. Each entry leads with the mechanism that blocks a card; the merchant name sits in the title, where you would look for it anyway.
Start from the card you already hold
The first six digits tell you who issued the card, where, and what kind of product it is. That is usually enough to predict whether a given checkout will take it, without opening anything new.
Cards grouped by where they were issued
Where a card is issued decides which checkouts take it. Each guide groups the issuers registered in one country or region, their BIN ranges, and the merchants those cards are documented for.
Best US virtual cards
Includes Ucards & Klarna Card87 ranges documented10 issuers tracked 🇳🇬Best Nigeria virtual cards
Includes Grey & Geegpay53 ranges documented53 ranges documented 🇪🇺Best Europe (EEA) virtual cards
Includes SwissBorg Card & Nexo46 ranges documented46 BIN ranges on file 🇬🇧Best UK virtual cards
Includes Crypto.com Card & Starling Bank20 ranges documented20 BIN ranges on file 🇸🇬Best Singapore virtual cards
Includes Halocard & Buvei16 ranges documented16 BIN ranges on file 🇦🇪Best UAE virtual cards
Includes Buvei & Cardn3 limited13 ranges documented13 BIN ranges on fileBrowse by category
Seven groups, sorted by how the payment actually fails. Not by industry, which tells you nothing about whether a charge clears. The full list of 105 checkouts lives inside each group, which keeps this page readable.
The 18 issuers we would open first
We track 535 issuers. The table below shows 18 of them — the highest-rated of the set, scored on published fees, how reliably the range clears checkouts in the log, and how much verification it demands. Ratings sit on a curve across all 535 issuers, so a 9.0 here is top decile, not merely adequate. The rest are not hidden: every issuer still has its ranges and decline notes in the BIN directory.
| # | Issuer | Networks | Creation fee | Top-up fee | KYC | Risk | Rating | Scenarios |
|---|---|---|---|---|---|---|---|---|
| 1 | VCard Anonymous VCC | Visa, Mastercard | Lite VISA $0; Lite MC $… | 0.8%–2% by tier (… | Partial (Lite car… | High | ★★★★★ 9.8 | 6/6 |
| 2 | SwissBorg Card Crypto Card | Mastercard | $0 | 0% | Yes | low | ★★★★★ 9.5 | 5/6 |
| 3 | Ucards Crypto Card | Visa, Mastercard, Dis… | $1-5 (some free, e.g. a… | 1.5-2.5% | No (no KYC) | Medium (no-KYC; UK-based, founded 2024) | ★★★★★ 9.4 | 6/6 |
| 4 | Zebec Carbon Crypto Card | Mastercard | $0 | 0% | No | medium | ★★★★★ 9.3 | 1/6 |
| 5 | Klarna Card Fintech Wallet | Visa | $0 | 0% | Yes | low | ★★★★★ 9.2 | 1/6 |
| 6 | Novo B2B Expense / Corporate | Mastercard | $0 | 0% | Yes | low | ★★★★★ 9.2 | 1/6 |
| 7 | COCA Crypto Card | Visa + Mastercard (is… | Free virtual; physical… | 0% top-up (SEPA/I… | No (basic) / Yes… | Medium (non-custodial ERC-4337 smart wallets; cashback up to 8% requires staking up to 30,000 $COCA locked with a 30-day cooldown; claim capacity capped $15–$350/mo by tier) | ★★★★★ 9.1 | 5/6 |
| 8 | Crypto.com Card Crypto Card | Visa | Free (virtual); physica… | Free crypto top-u… | Yes (KYC required… | Low | ★★★★★ 9.1 | 4/6 |
| 9 | Halocard Crypto Card | Visa | Essential 3 cards $12/m… | 1% (stablecoin/cr… | Yes (passport/nat… | Medium | ★★★★★ 9.1 | 6/6 |
| 10 | Jupiter Global Crypto Card | Visa (Infinite/Platin… | $0 (free) | 0% (USDC 1:1) | Yes (full KYC via… | Low-Medium | ★★★★★ 9.0 | 5/6 |
| 11 | Nexo Crypto Card | Mastercard | 0 (virtual card instant… | 0 | Yes (Full KYC: ID… | Low-Medium | ★★★★★ 9.0 | 5/6 |
| 12 | Mesh Payments B2B Expense / Corporate | Visa | $0 | 0% | Yes | low | ★★★★★ 9.0 | 1/6 |
| 13 | Navan B2B Expense / Corporate | Visa/Mastercard/Ameri… | $0 | 0% | Yes | low | ★★★★★ 8.9 | 1/6 |
| 14 | XKard Crypto Card | Visa | $0 (subscription $108-$… | 2.3%-4.5% (USDT t… | No (zero-KYC adve… | High (frozen-funds / forced-KYC reports) | ★★★★★ 8.9 | 5/6 |
| 15 | Affirm Card Fintech Wallet | Visa | $0 | 0% | Yes | medium | ★★★★★ 8.9 | 1/6 |
| 16 | Bitwala Crypto Card | Visa | Virtual €0.99; Physical… | Free (SEPA/euro);… | Yes (Full KYC: ID… | Medium (crypto-linked; e-money via Striga/Lightspark) | ★★★★★ 8.8 | 5/6 |
| 17 | Bleap Crypto Card | Mastercard | Free | 0% | Yes | Low-Medium | ★★★★★ 8.8 | 5/6 |
How this directory is built
We read the issuers
Every fee, KYC rule and network in the table comes off the issuer's own published pages, with the source kept on file. Nobody paid to appear here. No issuer sees an entry before it publishes.
One comparable dataset
A card's fee shows the same on its profile, in the country guides, in the comparison pages and in the card finder — because one structured dataset feeds every page. No figure is hand-typed into a single template.
Prices come from the issuer
Fees come straight off each issuer's own pricing page, never a reseller's listing, and get re-checked every month. Quote a price in another currency and we convert it at the rate on the review date.
What a range entry shows
Each BIN range lists the issuer, network, issuing country and card type — the facts a gateway reads first. We publish the documented support platforms too, so you can see what the card is built for before you open it.
Something out of date? Issuers change pricing without warning. Tell us and we will re-check the entry. Quietly editing the number would defeat the point of the table.