Qbit
Qbit is a business virtual card / expense management (quantum card) issued on Mastercard, rated 7.0/10 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.
Qbit is the strongest fit for ad spend and streaming, and asks for business KYC at signup — we carry it at low (licensed fintech, 3000+ brands served) 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 | Qbit · Business virtual card / expense management (Quantum Card) |
| Official site | https://www.qbitnetwork.com/virtual-card |
| Best for | Ad spend · Streaming |
| Network | Mastercard |
| Rating | 7.0/10 (3.5★, 709 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Self-issue $0 (first 10 cards free, then $1/card) |
| Monthly / annual fee | None (no hidden fees; card free to create) |
| Top-up (deposit) fee | Account funding: receive 0.3%-0.5%, local pa… ··· |
| FX / conversion fee | No FX fee for local-currency payments (multi-currency accounts) |
Verification and risk
| KYC required | Yes (personal ID + business info; CN/HK/US companies) |
| Risk level | Low (licensed fintech, 3000+ brands served) |
| AVS check | Yes |
| 3-D Secure | No |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes (Qbit multi-currency global accounts) |
| Alipay / WeChat Pay | Yes (Alipay supported per Qbit card page) |
| Cards per account | Unlimited users and cards (employee + company cards) |
Billing
| Billing address | Business (multi-region) |
| Billing country | 180+ countries, 40+ currencies (HQ Hangzhou; licenses US/HK) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes (Apple Pay & Google Pay) |
| Meta / Google Ads | Yes (advertising, subscriptions) |
What the issuer states on its own site
- Pay global expenses directly from your Qbit multi-currency accounts, eliminating unnecessary FX conversion fees.
- Domestic consumption is supported, no foreign exchange fees for local currency payments.
- Qbit Cards are free to create and you can start using them immediately online.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 514088 | Mastercard | Multi-region | Credit | 119 | 83 | 69.7% |
We logged 83 cleared charges out of 119 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 Mastercard virtual cards
Frequently asked
What does Qbit cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is None (no hidden fees; card free to create); top-ups cost Account funding: receive 0.3%-0.5%, local pay $2, cross-border pay from $25; conversion is priced at No FX fee for local-currency payments (multi-currency accounts). 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 Qbit?
Qbit 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 (personal ID + business info; CN/HK/US companies)
How can I fund Qbit?
You can fund it with bank transfer (Qbit multi-currency global accounts), Alipay or WeChat Pay (Alipay supported per Qbit card page). Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Qbit need?
Setting it up: the billing address type is Business (multi-region); cards are issued against 180+ countries, 40+ currencies (HQ Hangzhou; licenses US/HK); an AVS check is 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 Qbit work for subscriptions and AI tools?
We recorded successful charges for 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 Qbit trigger 3-D Secure?
No. Qbit does not use 3-D Secure. That removes a step at checkout and also means a blocked range fails immediately instead of hanging on an OTP screen, which is easier to diagnose.
How many cards can I open with Qbit?
The issuer allows Unlimited users and cards (employee + company cards). 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.