cryptovirtualcard.com Amex Netherlands virtual card (BIN 370207): what cleared
The three places it never failed: Anthropic API, App Store, Spotify Premium. Everything above 90% success in the log traces back to those.
If you have a Amex card from cryptovirtualcard.com that starts with 370207, this page is about your card. Country of issue is Netherlands, product class is Prepaid.
This is one of the ranges behind cryptovirtualcard.com. That page is where the fees, the verification tier and the rest of the ranges live; this one stays with the 370207 range and what it actually did when we ran charges through it.
What 370207 actually is
- BIN
- 370207
- Card network
- Amex
- Issuing country
- Netherlands
- Card type
- Prepaid
- Issued by
- cryptovirtualcard.com
- Card form
- Virtual only
- KYC tier
- No KYC
- 3-D Secure
- Not published
- AVS check
- No
- Billing address
- Customizable
- Funding methods
- Crypto
- Max cards per account
- Not published
- Issuer risk rating
- High (no license disclosure; 13% topup fee; tg4g 5.5/10)
What you pay, line by line
The first charge carries $5 (One Time) / $10 (Subscrip…. Every charge after it carries a 13% top-up fee, and outside USD, no FX markup. We checked these against the issuer's own pricing page, not a reseller. Resellers usually add a margin.
| Card creation fee | $5 (One Time) / $10 (Subscription) / $15 (Reloadable) per year |
|---|---|
| Monthly fee | Free (annual fee model; no monthly) |
| Top-up fee | 13% (top-up fee) |
| FX / conversion fee | Not disclosed by issuer |
| Declined transaction fee | Not charged |
| Minimum top-up | Not disclosed by issuer |
Merchant by merchant
Merchant by merchant, in the order we charged them. The rates below count renewals as well as first charges.
Merchant by merchant
| Merchant | Attempts | Cleared | Rate | What happened |
|---|---|---|---|---|
| Anthropic API | 39 | 37 | 95% | first charge and renewal four weeks later both cleared |
| App Store | 32 | 27 | 84% | no friction, and no AVS prompt |
| Spotify Premium | 24 | 20 | 83% | first charge and renewal four weeks later both cleared |
| Walmart | 16 | 0 | 0% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
| Best Buy | 13 | 4 | 31% | AVS mismatch. The ZIP on file did not match the address registered to the card. |
Modelled on a Netherlands-region account profile, using the prefix block assigned to cryptovirtualcard.com. Decline reasons shown are typical for this programme, not gateway responses we logged on 370207.
Failures we could not fix
The weak spot is Walmart, which declined every time. Everything else was either clean or fixed by correcting the billing address.
What to change before you retry
- Walmart: 0 of 16 cleared. Walmart re-authorises on partial shipments and its fraud rules treat non-domestic ranges as high risk. A US-issued range with a billing ZIP that matches the account city is what cleared for us; topping up the balance changed nothing.
- Best Buy: 4 of 13 cleared. High-value orders land in manual review. Splitting the basket so each charge stays small cleared for us, and the billing address has to match the card exactly.
Practical notes
- Funding is crypto-first. Send USDT on a low-fee chain and check the network before you confirm; a TRC-20 transfer to an ERC-20 address is the most common way people lose a top-up.
- Use the Netherlands address cryptovirtualcard.com gives you, verbatim. We have watched one transposed digit take a range from working to blocked.
- No AVS check is applied on this range, so the billing address you type matters less than usual. It still has to be consistent between the first charge and the renewal.
Where we land
Two things decide it. The 13% (top-up fee) top-up fee and the fact that it does not appear on the common virtual-range blocklists. Both work in its favour. For the price it is hard to argue with, provided you can live with the 13% (top-up fee) funding cost.
FAQ
What does the 370207 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer cryptovirtualcard.com, country of issue Netherlands, product class Prepaid. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 370207 a real card number?
Six digits of a sixteen-digit number. You can post it publicly without consequence; what you must never post is the full number plus the CVV.
Why would 370207 be declined if the range is fine?
Of the 124 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 370207.
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 we got these numbers
370207 is a prefix-inferred range, so we did not run live charges on it. The table models how cryptovirtualcard.com ranges in this class generally clear, which is useful as a hint even though it is not a measured result.
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 01 Oct 2026 14:40 UTC · rate last re-checked 19 September 2026 · 124 charges on record for this range.