Travel & Productivity: which virtual cards work
These bookings and renewals fail quietly, usually a day before the trip or the deadline you care about. In this group 32 ranges are documented across 10 checkouts, each one structured from the issuer's published terms. Below are all 10 checkouts in this set, with the ranges that pass and the ones that do not.
What this group is actually made of
Counted over the 32 ranges documented for this group, straight from each issuer's published terms. Every figure is a count over those 32 ranges — none of them is an estimate or a model output.
| Measure | What the group shows | Why it decides your result |
|---|---|---|
| Networks | Mastercard 19 · Visa 11 · Discover 1 · Amex 1 | A range on a network the gateway does not route is declined before the issuer is asked anything. |
| KYC at signup | ID + proof 22 · No KYC 7 · ID only 2 · Minimal KYC 1 | The tier is what you upload before the card exists, and it does not loosen afterwards. |
| Issuing countries | United States 10 · United Kingdom 6 · EEA (Europe) 5 | The billing country attached to the range is what a merchant compares against your address. |
| Composite scores | median 84/100 · 3 ranges at 90 or above | A structure rating built from published fees and documented coverage, not a checkout result. |
VCard is the one we would start with in this group: free to open, No KYC at signup. Our second pick is SwissBorg Card, which we keep for the checkouts where VCard gets a range block, not because it is cheaper. The remaining rows cover cases this one does not, rather than padding the list.
Merchants in this group include Airbnb · Booking.com · Uber.
The ranges that lean most toward this group
Six ranges whose documented coverage leans most toward travel & productivity specifically: each one is matched to a larger share of these 10 checkouts than of the 105 tracked site-wide. The last column sets that share side by side, so the reason it sits on this page is visible.
| Range | Network | Issuer | KYC | Score | Why it is in this group |
|---|---|---|---|---|---|
| 256304 | Mastercard | Monzo | ID + proof | 82/100 | 5 of 10 checkouts in this group · site average 17 of 105 |
| 529631 | Mastercard | Novo | ID + proof | 88/100 | 4 of 10 checkouts in this group · site average 11 of 105 |
| 434033 | Visa | Chase UK | ID + proof | 82/100 | 4 of 10 checkouts in this group · site average 13 of 105 |
| 418303 | Visa | Niyo Global | ID + proof | 82/100 | 4 of 10 checkouts in this group · site average 15 of 105 |
| 377695 | Amex | Navan | ID + proof | 85/100 | 3 of 10 checkouts in this group · site average 5 of 105 |
| 518504 | Mastercard | Zebec Carbon | No KYC | 89/100 | 6 of 10 checkouts in this group · site average 39 of 105 |
Checkouts covered in this group
Each entry names the mechanism that trips a card up at that merchant, then links to the full notes. Each figure traces back to the issuer's published terms, with the evidence tier spelled out on the methodology page.
Other categories
Fees, limits and terms quoted on this page are as published by the issuer and can change at any time — verify with the issuer before applying.