Lemon
Lemon is a crypto card issued on Visa, 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.
Lemon is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at medium (LATAM-only; custodial; cashback capped ARS 30,000/mo and ARS rate cut to 0.25% from sep 2026; no ATM) 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 | Lemon · Crypto Card |
| Official site | https://lemon.me |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 6.7/10 (3.5★, 133 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | Free |
| Top-up (deposit) fee | 0.5% crypto conversion ··· |
| FX / conversion fee | Foreign purchases: Peru 3%, Colombia 2.5%; no cashback on FX |
Verification and risk
| KYC required | Yes (full KYC - local ID; Argentine card requires Argentine ID) |
| Risk level | Medium ··· |
| AVS check | No |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (BTC, ETH, USDT/USDC, DAI; BTC cashback) |
| Bank transfer | Yes (CVU Argentina, PSE/ACH Colombia, interbank Peru) |
| Alipay / WeChat Pay | No |
| Cards per account | Virtual + physical |
Billing
| Billing address | Argentina / Peru / Colombia |
| Billing country | Argentina, Peru, Colombia (+ Brazil rollout) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 454637 | Visa | Argentina | Debit | 295 | 208 | 70.5% |
We logged 208 cleared charges out of 295 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
Other Visa virtual cards
Frequently asked
What does Lemon cost to run?
The cost lines stack like this: issuing the card is free; there is no monthly fee on the entry tier; top-ups cost 0.5% crypto conversion (USDT 1:1); ARS-funded purchases buy USDC ~3.5% above app quote; conversion is priced at Foreign purchases: Peru 3%, Colombia 2.5%; no cashback on FX. 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 Lemon?
Lemon 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 (full KYC - local ID; Argentine card requires Argentine ID)
How can I fund Lemon?
You can fund it with crypto (BTC, ETH, USDT/USDC, DAI; BTC cashback), bank transfer (CVU Argentina, PSE/ACH Colombia, interbank Peru). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Lemon need?
Setting it up: the billing address type is Argentina / Peru / Colombia; cards are issued against Argentina, Peru, Colombia (+ Brazil rollout); 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 Lemon work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. 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 Lemon trigger 3-D Secure?
Yes. Lemon 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 Lemon?
The issuer allows Virtual + physical. 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.