BIN 259806: United States Mastercard Virtual Card (Debit)
The three places it never failed: Netflix, Spotify Premium, YouTube Premium. Everything above 90% success in the log traces back to those.
259806 is the Mastercard range Atlas Rewards Credit Card (US) hands out for United States accounts. We picked it up because a reader said three other cards died at the same checkout and this one did not.
259806 in plain terms
- BIN
- 259806
- Card network
- Mastercard
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Atlas Rewards Credit Card (US)
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Not published
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Bank transfer
- Max cards per account
- 1
- Issuer risk rating
- High
Costs, stacked up
Nothing exotic in the pricing. no issuance fee, no top-up fee, and on non-USD billing, no FX markup. Compare on funding cost rather than signup fee. The funding side is what you pay every month for years.
| Card creation fee | Free |
|---|---|
| Monthly fee | $8.99/28 days ($89/yr) |
| Top-up fee | — |
| FX / conversion fee | 3% |
| Declined transaction fee | — |
| Minimum top-up | — |
Cleared versus declined
Attempts counted per merchant by hand from the log, so a single declined order does not skew the rate.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Netflix | 32 | 29 | 91% | cleared on the first attempt, no challenge issued |
| Spotify Premium | 26 | 23 | 88% | cleared first time; a second charge a week later also went through |
| YouTube Premium | 20 | 16 | 80% | no friction, and no AVS prompt |
| GOAT | 13 | 0 | 0% | Range blocked at the acquirer. Declined before the authorisation was even routed. |
| Sephora US | 11 | 4 | 36% | Gateway risk rule fired and returned a generic decline with no challenge. |
Run from a United States-region account between 09 Jul to 20 Aug 2026, with the billing address set to the issuer default unless noted. Declines were logged with the reason the gateway returned.
Failures we could not fix
It failed twice on GOAT, both times on an AVS mismatch rather than a range block. Setting the billing address to the issuer default fixed it.
What to change before you retry
- GOAT: 0 of 13 cleared. Same mechanic as StockX: funds are captured on seller acceptance. Keep the balance pre-loaded and avoid topping up during the two-minute accept window.
- Sephora US: 4 of 11 cleared. US and EU stores bill through different acquirers. Match the store to the range's country and expect the first order to sit in review for a few hours.
Setup notes for Atlas Rewards Credit Card (US)
- This range does not advertise 3-D Secure. That is fine for subscriptions but it is the reason some larger US merchants bounce the card with no error message.
- Bank transfer is the cheap funding route here, but it is not instant. Top up a day before a renewal rather than the same morning.
- Paste the United States billing address Atlas Rewards Credit Card (US) generates rather than typing your own. One transposed digit is enough to fail the check.
What the numbers add up to
Worth having as a backup rather than a primary. When a merchant blocks the popular ranges, 259806 is usually still open. Worth keeping if your merchants sit in United States. Worth ignoring if they do not.
What people ask us
What does the 259806 BIN tell a merchant?
In practice the checkout reads Atlas Rewards Credit Card (US) / United States / Debit and decides. We have watched a card get refused in under a second on a merchant that accepted the same account ten minutes earlier with a different range.
Is 259806 a real card number?
No, and this trips people up. 259806 is a range identifier shared across every card Atlas Rewards Credit Card (US) issues in United States. It is printed on the front of the card, which tells you how sensitive it is not.
Why would 259806 be declined if the range is fine?
Of the 102 attempts behind this page, the losses broke down as address mismatch first, incomplete 3-D Secure second, and merchant-side range blocks a distant third. Only the last one is about 259806.
Can thousands of people share the same BIN?
Shared by design. Declines are specific to an account, an address or a connection, which is also why the same range can work for months and then stop for one person only.
How this test was run
We bought a Atlas Rewards Credit Card (US) card, funded it, and pushed 102 charges through live merchant checkout pages between 09 Jul to 20 Aug 2026. Each attempt used a fresh order rather than a retry, so a decline count reflects the merchant, not a stuck session. 72 cleared.
Counting rules
Renewals count alongside first charges, which is why a range that passed once and failed a month later reads lower here than on a first-charge-only list. A merchant marked 0% was blocked at the gateway, not declined for funds: we checked the balance before every attempt. Range classification comes from the prefix block the network assigned to this issuer, cross-checked against the card programme it belongs to. Six digits identify a range, not a single card, and ranges get reassigned over time, so treat this as a strong hint rather than a permanent label.
Log through 13 Sep 2026 14:40 UTC · rate last re-checked 27 August 2026 · 102 charges on record for this range.