Cards for ad spend
Stellar Card
Stellar CardStellar Card
Visa · MCsince 2023TeamAgencyAsks for a light checkOperational
Stellar Card is an invite-only virtual card issuer built for media-buying teams: every card feeds from one shared balance, roles and per-user spend limits sit on top, and the cost is a monthly subscription rather than a per-card charge. It publishes an MCP server, so an external AI agent can freeze cards, change limits or move one buyer's whole card set to another user while inheriting exactly the operator's own permissions. The provider states plainly that it turns away teams without growth ambitions, occasional users and newcomers.
Total, per $100 of ad spend: ≥$4.00per $100 of ad spend
At least one component of the price is not published, so the real figure can only be higher.
Open stellarcard.ioNot a paid link: we earn nothing either way.
Who it is for
Established buying teams already spending six figures a month that can absorb a $100-500 monthly subscription before the first card is issued.
Whether to take Stellar Card
In its favour
- Pricing is published in full: $100/mo on Stellar and $500/mo on Stellar Private, with crypto deposits at 4% and 3% respectively and wire at 3% and 2%.
- Cards are free to issue on all three plans and every card draws on one shared account balance, so funds are not stranded on individual cards.
- No decline fee as standard; the provider states that a $0.50-per-decline charge is switched on only when the decline rate passes 10%.
- Most BINs run automatic 3DS with no OTP entry, and payment, decline and OTP notifications can be pushed to a personal Telegram bot on every plan.
- Team controls are specific rather than generic: Admin, Finance, Employee and Team Lead roles, per-user daily, weekly, monthly and lifetime limits that stack with per-card limits, CSV statements and an action-history log.
- Transactions and card-actions APIs with up to five tokens, plus a documented MCP server that lets an external AI agent freeze cards, change limits and reassign one buyer's entire card set.
Against it
- Public signup closed in December 2024: access is by invitation or an existing client's referral, and the waiting list gives priority to large teams that can show decline-rate and paid-bill statistics.
- The entry plan costs $100 a month before a single card is issued; the cheaper 3% crypto rate requires the $500-a-month Stellar Private plan, and the "Custom" Stellar Plus tier only opens at $500,000 of monthly spend.
- No BIN geography is published anywhere: country, currency, 3DS support and the issuing bank's conversion and cross-border charges are visible only after login, so the real cost of a transaction cannot be calculated before paying.
- Beyond Facebook and Google no merchant is named — the lists of available merchants, countries and currencies exist only inside the account, and the provider states that transactions outside them are declined.
- No operating company, jurisdiction or licence appears anywhere on the site; the published Terms are website-use terms only, with no customer agreement covering the shared balance, custody of funds or withdrawals, and the domain registration is masked by a privacy service.
- There is no independent evidence base at all: no Trustpilot profile exists, there is no Reddit or X footprint, the Telegram channel has around 950 subscribers, and every Russian-language review found (Partnerkin, Greyhunter, Affcatalog and similar) is an affiliate placement — Affcatalog even publishes a 15% decline threshold and a US BIN geography that the provider states nowhere.
- Deleting a team member closes all of that member's cards permanently and a closed card cannot be restored; the Terms also deem card actions taken through an AI or third-party MCP agent to be the user's own and disclaim liability for correctly processed but erroneous instructions.
- Getting money back out is a request handled by the provider, not a self-service action: the pricing page promises only that "we will do it in the shortest possible time without fees or minimum amount limit", the help centre documents topping up but never withdrawing, and no processing time is published anywhere.
What Stellar Card charges
Balance top-up4%
To issue a cardFree
Monthly$100
Per declined paymentFree
Not published: card top-up, per transaction, outside the card's currency, minimum top-up.
Two published plans and a third priced on request. Stellar is $100/mo with 4% on crypto deposits, 3% on wire and 12 BINs; Stellar Private is $500/mo with 3% crypto, 2% wire, 24 BINs, international BINs, sub-accounts and API; Stellar Plus is "Custom" and only opens at $500,000 of monthly spend. Cards are free on all three plans and withdrawals are advertised without fee and without a minimum. Decline fees are $0 as standard, but the provider states it may switch on $0.50 per decline once the decline rate exceeds 10%. The minimum deposit is left blank here because the provider contradicts itself: $500 for the first top-up and $1,500 afterwards on the pricing page, against a flat $1,500 crypto minimum ($3,000 by wire) in the help centre. Nothing is published about currency conversion or cross-border charges — the issuing bank's rates apply but are never quantified in public — and no separate fee is published for moving balance onto a card.
The platforms it names
Stellar Card names 2 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
How it works
BINsNot published
Cards50
3D SecureAuto-confirmed
Getting inInvite only
Where Stellar Card contradicts itself
3 places where the provider's own pages disagree with each other. Nothing here is our judgement — each line quotes both sides.
- The minimum deposit is stated two different ways by the provider: the pricing page says $500 for the first top-up and $1,500 for the following ones, while the help-centre article "About the Cash" states a flat crypto minimum of $1,500 with no first-deposit carve-out.
- BIN volume is inconsistent across the provider's own pages: the cards page advertises "More than 50 BINs", while the pricing table grants 12 BINs on the Stellar plan and 24 on Stellar Private, with international BINs excluded from the entry plan entirely.
- Card volume is claimed both ways: the homepage says "Make as many cards as you want", while the help centre states that an account starts with 50 cards and the limit is raised only on request in chat.
How we checked
Every figure on this page was read off stellarcard.io on 12 August 2026. Where Stellar Card publishes nothing, this page prints a dash rather than an estimate.
Open stellarcard.ioNot a paid link: we earn nothing either way.