Yendo
Yendo is a B2B expense / corporate issued on Visa, rated 5.8/10 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.
Yendo is the strongest fit for general use, and asks for ID + proof at signup — we carry it at medium (cross river bank issuer) 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 | Yendo · B2B Expense / Corporate |
| Official site | https://www.yendo.com |
| Best for | General use |
| Network | Visa |
| Rating | 5.8/10 (3.0★, 538 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | None ($0) |
| Monthly / annual fee | None ($0); $40 annual fee |
Verification and risk
| KYC required | Yes (credit check + vehicle title) |
| Risk level | Medium (Cross River Bank issuer) |
| AVS check | Yes |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | No |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | 1 primary card |
Billing
| Billing address | US General |
| Billing country | United States |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | No |
| Meta / Google Ads | No |
What the issuer states on its own site
- Upon approval, eligible customers may access up to 40% of their credit limit, capped at $1,500, until their physical card arrives.
- 3 Unlimited 1.5% cash back is earned as a statement credit on eligible purchases when automatic payments (autopay) are enabled.
- A one-time lien placement fee up to $25, which is paid to the state in which your vehicle title is held, may be charged to your card as early as your first monthly statement.
- While not everyone is approved for a $10,000 credit limit, we do offer credit limit increases with qualification, so where you start isn't necessarily where you finish.
Source: https://www.yendo.com.
How it performed in our tests
Yendo has no BIN range of its own in our current review. It still appears on the merchant and comparison pages below through the ranges we did log, so the decline notes there are the evidence to read before you fund it.
Where to go next
Issuing country
Other Visa virtual cards
Frequently asked
What does Yendo cost to run?
The cost lines stack like this: issuing it costs None ($0); the recurring charge is None ($0); $40 annual 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 Yendo?
Yendo 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 (credit check + vehicle title)
How can I fund Yendo?
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 Yendo need?
Setting it up: the billing address type is US General; cards are issued against United States; 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.
Will Yendo trigger 3-D Secure?
Yes. Yendo 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 Yendo?
The issuer allows 1 primary card. 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.