RIAT Card
RIAT Card is a crypto card issued on Amex, rated 5.7/10 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.
RIAT Card is the strongest fit for ad spend and crypto funded, and asks for ID + proof at signup — we carry it at medium (B2B cross-border; licensed) 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 | RIAT Card · Crypto Card |
| Official site | https://riatcard.com |
| Best for | Ad spend · Crypto funded |
| Network | Amex |
| Rating | 5.7/10 (3.0★, 544 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Not published (annual fee waived first year) |
| Monthly / annual fee | Not published (annual fee waived first year) |
| Top-up (deposit) fee | USDT->USD recharge (fee not published) |
| FX / conversion fee | Global multi-currency settlement (rate not published) |
Verification and risk
| KYC required | Yes (licensed: US MSB, US NAF, Canada MSB; KYB) |
| Risk level | Medium (B2B cross-border; licensed) |
| AVS check | Yes (AVS, 3DS, VCC2 supported) |
| 3-D Secure | Yes (3DS, VCC2 supported) |
Funding and limits
| Crypto top-up | Yes (USDT->USD) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited (infinite card issuance) |
Billing
| Billing country | Global (US MSB / Canada MSB licensed) |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | Yes (Facebook, Google, TikTok ads) |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 379373 | Amex | Multi-region | Debit | 186 | 136 | 73.1% |
We logged 136 cleared charges out of 186 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 Amex virtual cards
Frequently asked
What does RIAT Card cost to run?
The cost lines stack like this: issuing it costs Not published (annual fee waived first year); the recurring charge is Not published (annual fee waived first year); top-ups cost USDT->USD recharge (fee not published); conversion is priced at Global multi-currency settlement (rate not published). 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 RIAT Card?
RIAT Card 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 (licensed: US MSB, US NAF, Canada MSB; KYB)
How can I fund RIAT Card?
You can fund it with crypto (USDT->USD), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does RIAT Card need?
Setting it up: cards are issued against Global (US MSB / Canada MSB licensed); 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 RIAT Card work for subscriptions and AI tools?
We recorded successful charges for 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 RIAT Card trigger 3-D Secure?
Yes. RIAT Card 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 RIAT Card?
The issuer allows Unlimited (infinite card issuance). 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.