Monetiro231 services on the ledger · last checked September 12, 2026
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≥$6.00/$100
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Cards for ad spend
Combo Cards

Combo Cards

Visa · MCsince 2022Solo buyerTeamAgency
Asks for everythingIssues reported

Before you go. Readers have reported problems with this service.

Combo Cards is a virtual-card issuer for affiliate and media-buying teams: Visa and Mastercard cards in USD and EUR, funded with USDT, USDC, wire or an affiliate network payout, with roles, per-user permissions and an API on top. Its distinguishing mechanic is an achievements ladder that converts spend into pricing — issuance falls by $2 for cards averaging more than $5 a week and rises by $2 for those below it, every $5,000 of spend adds five free cards, the daily issuing allowance scales from 10 to 100 cards with the previous day's spend, and Premium and Exclusive BIN tiers unlock at $10,000 and $100,000 of lifetime spend. A "Merchant" filter then shows which BINs passed a given merchant in the last 30 days.

Total, per $100 of ad spend: ≥$6.00per $100 of ad spend

At least one component of the price is not published, so the real figure can only be higher.

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Who it is for

Affiliate teams and solo buyers who want a near-zero entry cost and a published BIN geography, and who can hold their decline rate low enough to stay clear of the automated blocking rules.

Whether to take Combo Cards

In its favour

  • The price list is published in full in the help centre: issuance $0-$3 per card, maintenance $0-$3, deposits 3% by USDT, USDC or wire, approved transaction $0-$0.3, decline $0.5-$1, FX up to 3%, $1 to move money off a card and 1% to withdraw out of the service.
  • The entry cost is close to zero: the minimum crypto deposit is 1 USDT and the first 20 cards are free after verification, against competitors that charge a $100-500 monthly subscription before the first card exists.
  • Issuing geography is visible without an account — BINs from the United States, United Kingdom, Estonia, Switzerland, Hong Kong, Singapore and Colombia, in USD and EUR.
  • A "Merchant" filter in the card-creation menu shows which BINs actually passed a chosen merchant over the previous 30 days, and is refreshed daily.
  • Team controls are specific rather than generic: four roles (Business Owner, Team Lead, Finance Manager, Media Buyer), groups with a Team Lead scoped to one group, per-user toggles for viewing the card number and CVC, withdrawing from cards and changing limits, lifetime, daily and monthly per-card limits, CSV exports and an API for issuing cards and pulling decline-rate statistics.
  • OTP codes are delivered by a personal Telegram bot, and a Business Owner can route the whole team's codes into a shared Telegram group by adding the bot as an administrator.

Against it

  • The help centre states outright that "if the rules for using the service are violated, the account may be blocked without a guarantee of withdrawal of funds", and the Terms cap total liability at the fees paid in the previous two months and force individual arbitration with a class-action waiver.
  • No legal entity is named anywhere: the Terms identify the counterparty only as "Combo Cards, registered with the Registrar of Companies", with no jurisdiction, company number, licence or regulator, and state that Combo Cards is not a bank or a financial institution. LinkedIn lists Singapore while an affiliate directory lists a British Virgin Islands address, and the site reconciles neither.
  • Trustpilot rates the service 2.5 out of 5 across 16 reviews, most of them one-star. A roughly two-year-old comment on PirateCPA alleges two accounts holding $400 and $700 were blocked and the money not returned, and the same page complains about support; that page also carries positive comments, and nearly every favourable review elsewhere (Partnerkin, Affdays, Dolphin Anty) is published with a Combo Cards promo code attached.
  • Blocking is automated and documented: a warning at a 45% decline rate, the account blocked above 55%, and a card auto-blocked when its decline rate passes 50% over 14 days with at least 70% of the last 15 transactions declined. When the main balance cannot cover fees, the system pulls money off the cards back to the balance on its own.
  • Issuance is throttled rather than unlimited: 10 cards a day for the entire team by default, and new cards are blocked completely while an account holds more than 20 cards with an average transaction below $5 over 14 days. The daily allowance only rises towards 100 cards as the previous day's spend rises.
  • Limit cards apply a "1 to 3" rule — the main balance must hold three times the payment amount — and every payment reserves the highest possible commission until settlement, so working capital sits idle on both counts.
  • The prohibited list is wide and vague at the edges: physical goods, games and in-game items, entertainment subscriptions, dating and adult content, payment systems, exchanges, crypto services and gambling, multi-accounting, farming and first-billing, plus card use "in Russia, CIS countries, as well as China and India" with CIS never enumerated. Wire top-ups need $5,000, and a crypto deposit address lives for 10 minutes — the provider states that on a wrong network or coin "the funds will not be credited and we will not be able to return them".
  • A zero main balance locks the entire card fleet at once: the limitations article states that if "your total account balance is $0 or negative" then all cards are locked, and the same system sweeps money off the cards back to that balance to pay its own fees, so a team that lets the balance run out can find every card frozen mid-campaign until it tops up again.

What Combo Cards charges

Balance top-up3%
Outside the card's currency3%
Per declined payment$0.50
Minimum top-up$1

Not published: card top-up, per transaction, to issue a card, monthly.

The help centre publishes a complete price list, which is rare in this segment, but it does not agree with the homepage. Issuance is $0 to $3 per card with the first 20 cards free after verification, then moved by $2 in either direction depending on whether a card averages more or less than $5 of weekly spend. Monthly card maintenance is left blank here because the provider states it twice and differently — $0 to $3 in the pricing article, $0 to $2.35 on the homepage and the affiliates page — and it is charged on frozen cards as well as active ones. Deposits cost 3% by USDT or USDC from a hot or cold wallet, by wire or from an affiliate network payout, 5% when the transfer is made manually from an exchange wallet, and $2 + 3% through Combo Wallet; the minimums are 1 USDT in crypto, $50 from an affiliate payout and $5,000 by wire. Per transaction: approved payments $0-$0.3, small payments $0-$0.1, declines $0.5-$1 with the provider adding "basically, decline fee is $0.5", and pending transactions $0.5-$1 cancelled once the payment settles. Decline fees can come back as cashback, but on two contradictory schedules — 30%, 50% and 100% refunded below 25%, 15% and 5% decline rate in one article, against a $0.35 / $0.25 / $0 fee table in another. FX is "0-3%" in the help centre and "up to 3%" on the homepage, resolved by the issuing bank and never published per BIN, so the 3% ceiling is the figure recorded here. Moving money off a card back to the balance costs $1 or EUR1 and withdrawing out of Combo Cards costs 1%; no rate is published for the reverse leg, although "card top-up" appears as a fee type in the dashboard's own fee list.

The platforms it names

Combo Cards names 6 platforms it is built for. A service is listed under a platform only where it says so itself — not where a review says it for them.

  • Meta Ads
  • Google Ads
  • TikTok Ads
  • X Ads
  • Taboola
  • Outbrain

How it works

BINsUS, GB, EE +4
3D SecureTelegram bot
Getting inOpen signup
Support24/7

Where Combo Cards contradicts itself

6 places where the provider's own pages disagree with each other. Nothing here is our judgement — each line quotes both sides.

  • The number of BINs is published three different ways on the provider's own pages: "Over 50 BINs" on the homepage, "55+" in the help centre and "75 currently available and growing" on the affiliates page.
  • The monthly card maintenance fee is stated as "$0 to $3" in the help-centre pricing article and as "$0 to $2.35" on the homepage and the affiliates page.
  • The micro-spend fee is described as applying to "transactions below $10" in the pricing article but to payments "for less than $5/EUR5" in the card-issuing article.
  • Two different decline-cashback tables are published for the same programme: the achievements article refunds 30%, 50% and 100% of decline fees at decline rates below 25%, 15% and 5%, while the pricing article instead sets the fee itself at $0.35, $0.25 and $0 at those same thresholds.
  • Card issuance is advertised as unrestricted — "issue virtual cards without restrictions", first 20 cards free — while other help articles impose a default limit of 10 cards a day for the entire team and freeze issuance completely for accounts holding more than 20 cards with an average transaction below $5 over 14 days.
  • Signup is advertised as needing no human check — "No additional confirmation by a human is needed" — while the verification article states that full access requires personal information, an identity document and a liveness check, reviewed by a manager within about a day.

How we checked

Every figure on this page was read off combo.cards on 12 August 2026. Where Combo Cards publishes nothing, this page prints a dash rather than an estimate.

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