Tribal
Tribal is a B2B expense / corporate 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.
Tribal is the strongest fit for all-rounder and ad spend, and asks for business KYC at signup — we carry it at low-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 | Tribal · B2B Expense / Corporate |
| Official site | https://tribal.credit |
| Best for | All-rounder · Ad spend |
| Network | Mastercard |
| Rating | 6.7/10 (3.5★, 60 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free (no card issuance fee) |
| Monthly / annual fee | Free (no annual/monthly fee) |
| Top-up (deposit) fee | N/A (corporate charge card, 90-day credit) |
| FX / conversion fee | Not specified (interchange-based) |
Verification and risk
| KYC required | Yes (business KYC) |
| Risk level | Low-Medium |
| AVS check | Yes |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Unlimited |
Billing
| Billing address | Business |
| Billing country | LATAM, US, UK, EU, Canada |
Platform compatibility
| ChatGPT | Yes |
| Claude | Yes |
| Midjourney | Yes |
| Netflix / Spotify | Yes |
| App Store / Google Play | Yes |
| Meta / Google Ads | Yes |
| AI tools noted | Yes |
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 547487 | Mastercard | Latin America | Credit | 249 | 175 | 70.3% |
We logged 175 cleared charges out of 249 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 Tribal 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 N/A (corporate charge card, 90-day credit); conversion is priced at Not specified (interchange-based). 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 Tribal?
Tribal 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 (business KYC)
How can I fund Tribal?
You can fund it with bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Tribal need?
Setting it up: the billing address type is Business; cards are issued against LATAM, US, UK, EU, Canada; 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 Tribal 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 Tribal trigger 3-D Secure?
Yes. Tribal 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 Tribal?
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.