Crydit
Crydit is a crypto card issued on Mastercard, rated 8.3/10 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.
Crydit is the strongest fit for all-rounder and ad spend, and asks for business KYC 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 | Crydit · Crypto Card |
| Official site | https://crydit.com |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 8.3/10 (4.0★, 692 data points) |
| Data quality | verified |
Costs and fees
| Card creation fee | $199 (Visa virtual); $249 (physical) |
| Monthly / annual fee | 0 |
| Top-up (deposit) fee | 1% (top-up) |
| FX / conversion fee | 0% (no FX fee) |
Verification and risk
| KYC required | Yes (full KYC ~5 min; 7 business days) |
| Risk level | Medium |
| AVS check | No |
| 3-D Secure | Yes (3DS dynamic verification + App/SMS dual notification) |
Funding and limits
| Crypto top-up | Yes (1,000+ cryptocurrencies) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | Yes (Visa supports HK WeChat/Alipay large spending) |
| Cards per account | 1 per issuer |
Billing
| Billing address | Global (210+ countries) |
| Billing country | Varies (global) |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay/Google Pay, Mastercard supported) |
| Meta / Google Ads | Yes |
| AI tools noted | ChatGPT / Claude / Midjourney |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 256582 | Mastercard | Australia | Debit | 192 | 137 | 71.4% |
We logged 137 cleared charges out of 192 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 Crydit cost to run?
The cost lines stack like this: issuing it costs $199 (Visa virtual); $249 (physical); the recurring charge is 0; top-ups cost 1% (top-up); conversion is priced at 0% (no FX fee). 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 Crydit?
Crydit asks for business KYC at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (full KYC ~5 min; 7 business days)
How can I fund Crydit?
You can fund it with crypto (1,000+ cryptocurrencies), bank transfer, Alipay or WeChat Pay (Visa supports HK WeChat/Alipay large spending). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Crydit need?
Setting it up: the billing address type is Global (210+ countries); the issuing region is not one country, and the issuer lists it as Varies (global); 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 Crydit work for subscriptions and AI tools?
We recorded successful charges for ChatGPT, Claude, Midjourney, Netflix and Spotify, 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 Crydit trigger 3-D Secure?
Yes. Crydit 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 Crydit?
The issuer allows 1 per issuer. 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.