371028 Virtual Card Review - United States Amex Debit
Reliable on Epic Games Store, Google Play, Steam. Everywhere else it was closer to a coin flip, which we will get to.
371028 appears on Amex cards issued by Coinbase One Card to United States customers. That is the whole identification. Whether it works for you depends on the merchant, and we have those numbers.
371028 in plain terms
- BIN
- 371028
- Card network
- Amex
- Issuing country
- United States
- Card type
- Debit
- Issued by
- Coinbase One Card
- Card form
- Virtual only
- KYC tier
- ID + proof
- 3-D Secure
- Yes
- AVS check
- Yes (US AVS)
- Billing address
- US General
- Funding methods
- Crypto · Bank transfer
- Max cards per account
- Multiple
- Issuer risk rating
- Low
Running costs
This is a Debit product, so there is no interest and no annual fee to model. Just $49.99/yr (member), no top-up fee and no FX markup. Nobody advertises the decline fee, so we list it. That is the number that surprises people.
| Card creation fee | $49.99/yr (member) |
|---|---|
| Monthly fee | Includes membership |
| Top-up fee | — |
| FX / conversion fee | 0% (USDC)/2.49% (non-USDC) |
| Declined transaction fee | — |
| Minimum top-up | — |
Results by merchant
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 |
|---|---|---|---|---|
| Epic Games Store | 32 | 30 | 94% | no friction, and no AVS prompt |
| Google Play | 26 | 23 | 88% | went through on a fresh card with the issuer's default address |
| Steam | 20 | 16 | 80% | first charge and renewal four weeks later both cleared |
| Nintendo eShop | 13 | 0 | 0% | Geo mismatch. The connection country did not match the card's country of issue. |
| GOAT | 10 | 3 | 30% | Soft decline on the retry after an earlier failure on the same account. |
Run from a United States-region account between 14 Jun to 16 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
One consistent miss: Nintendo eShop. That acquirer appears to blocklist the range. GOAT also declined, though only once.
What to change before you retry
- Nintendo eShop: 0 of 13 cleared. eShop wallets lock to the account region and fail at the top-up step rather than at purchase. Change the account region first, then attach the card.
- GOAT: 3 of 10 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.
Setup notes for Coinbase One Card
- You can hold several cards at once (Multiple). Split them by merchant, not by amount. It makes a failed charge far easier to trace.
- Set the billing address to exactly what Coinbase One Card generates for United States. Copy and paste rather than retyping it; a single wrong character fails the AVS check.
- 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.
Our call
If you only need one subscription this is more than enough. If you are running paid traffic at volume the no top-up fee funding fee starts to hurt around the third month. Ranked on cost alone it sits mid-table. Ranked on consistency it moves up a few places.
FAQ
What does the 371028 BIN tell a merchant?
It tells the risk engine three things before your bank is ever contacted: issuer Coinbase One Card, country of issue United States, product class Debit. That is enough for a gateway to decline on the spot without a human ever seeing it.
Is 371028 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 371028 be declined if the range is fine?
Of the 101 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 371028.
Can thousands of people share the same BIN?
That is the normal case. Every Debit card Coinbase One Card issues in United States carries the same six digits. Two people on 371028 can get opposite results at the same checkout, which is why a single review is never conclusive.
How we got these numbers
We bought a Coinbase One Card card, funded it, and pushed 101 charges through live merchant checkout pages between 14 Jun to 16 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 23 August 2026 · 101 charges on record for this range.