Combo Cards
Combo Cards is a media buying VCC issued on Mastercard, rated 6.7/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Combo Cards is the strongest fit for ad spend and app store / play, and asks for ID + proof at signup — we carry it at medium risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Combo Cards · Media Buying VCC |
| Official site | https://combo.cards |
| Best for | Ad spend · App Store / Play |
| Network | Mastercard |
| Rating | 6.7/10 (3.5★, 638 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | $0 - $3 (first 20 free) |
| Monthly / annual fee | $0 - $3 |
| Top-up (deposit) fee | 3% |
| FX / conversion fee | up to 3% |
| Declined transaction fee | $0.50 |
Verification and risk
| KYC required | Yes |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited |
Billing
| Billing address | Global |
| Billing country | US / UK / EU / HK / SG BINs |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | Ad platforms |
What the issuer states on its own site
- Up to 3% fee for currency conversions that are different from the card's currency, depending on the bank provider.
- Invite referrals and earn up to 15% of our fees on deposits.
- 3% fee for depositing funds in USDT or through partner networks.
- 1 USD/EUR fee for withdrawals from virtual cards to the account balance.
- A fee ranging from $0 to $2.35 for card servicing depending on the bank provider.
- A card issuance fee from $0 to $3, depending on the bank provider.
Source: https://combo.cards.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 555555 | Mastercard | United States | Prepaid | 199 | 141 | 70.9% |
We logged 141 cleared charges out of 199 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Mastercard virtual cards
Frequently asked
What does Combo Cards cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is $0 - $3; top-ups cost 3%; conversion is priced at up to 3%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Combo Cards?
Combo Cards asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes
How can I fund Combo Cards?
You can fund it with crypto, bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Combo Cards need?
Setting it up: the billing address type is Global; cards are issued against US / UK / EU / HK / SG BINs; an AVS check is not applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Combo Cards work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play, Meta and Google Ads. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Combo Cards trigger 3-D Secure?
Yes. Combo Cards supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Combo Cards?
The issuer allows Unlimited. Multiple numbers under one account is the practical pattern here: one per merchant, so a single block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.