What is SpendNet?
Spend.net provides virtual Visa and Mastercard cards for online payments and advertising. Get up to 2% cashback on every transaction and enjoy total fee transparency. Top up your balance with crypto (USDT (TRC20) or BTC) and start paying instantly on platforms like Facebook Ads, Google Ads, TikTok Ads, and more. Create your first free card in minutes. Start earning cashback with Spend.net today **Key benefits of Spend.net:** Cashback: 2% on advertising cards, 1% on general spending cards; Free virtual card issuance via Visa/Mastercard with 3D Secure protection; Zero fees on everything: payments, top-ups, refunds, declines, currency exchange and withdrawals; Flexible top-up fees — you choose the percentage yourself (typically around 2%); Ideal for media buying: Facebook Ads, Google Ads, TikTok Ads, and more; 20 BINs optimised for ad platforms, including 6 exclusive BINs for lower decline rates; Crypto-friendly platform: fund your account with USDT (TRC20) or Bitcoin (BTC); Built-in dashboard for team management, task delegation, and real-time analytics; Export reports in CSV/XLS format; cashback updates in real time; Fast onboarding via Google or email; 24/7 live chat support directly from your dashboard.
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SpendNet Reviews (60)
- ★★★★★45
- ★★★★★12
- ★★★★★2
- ★★★★★0
- ★★★★★1
Review Summary
Generated using AI from real user reviews
SpendNet's virtual payment cards are overwhelmingly praised by users, particularly for advertising and digital subscriptions, though one account access issue stands out as a serious problem. The service earns consistent 5-star ratings (40 of 50 reviews) primarily because cards are free to issue, come with cashback by default, and charge zero fees beyond small top-up commissions. Users across advertising, SaaS, travel, and online shopping consistently report smooth payments with major platforms like Facebook, TikTok, Google Ads, and international merchants, often noting that the cards work where others fail.
The weak cashback rates (typically under 2%) and occasional comparisons to standard bank cards suggest limitations in earning potential, and one reviewer reported a serious account access problem lasting a week. Still, the free issuance model combined with any cashback appears genuinely differentiated in the market for this use case. Users praise fast registration, straightforward interfaces, transparent fee structures, and quick crypto top-ups via USDT. Support responsiveness gets positive mentions, and the ability to issue multiple cards without friction appeals especially to media buyers testing campaigns. For advertising professionals and frequent dollar-payers, the consensus is strongly positive; the single access issue is a notable outlier in otherwise reliable service feedback.
★★★★★
Thursday, September 25, 2025
“i just opened a spend payment card to pay for…”
i just opened a spend payment card to pay for my travel expenses i managed to open everything the first time my card started working right away and I didn’t even need to do anything separately ..filled up the balance, then opened the card and nothing superfluous was written off
★★★★★
Thursday, September 18, 2025
“There’s not much to say, but I’m writing a review…”
There’s not much to say, but I’m writing a review in order to share. The card is good, I mean it works (I had no refusals). I can pay where I need to. I am glad that the card is free and the price tag is generally very pleasant. Cashback is generally great!
★★★★★
Thursday, September 18, 2025
“So far these are the best virtual cards I’ve used.…”
So far these are the best virtual cards I’ve used. You don’t have to wait for the money to be credited to the account everything is pretty fast. There is no complicated account verification with a bunch of documents. Everything is working as it should. There’s cashback, it’s small, but it’s still a plus
★★★★★
Wednesday, August 27, 2025
“Super! I am very pleased that I opened the Spendcard!…”
Super! I am very pleased that I opened the Spendcard! It is convenient to use, it is easy to replenish USDT, everything is clear with commissions. Although at first I didn’t understand what the point of setting up a commission was, I then realised how... In general, it’s not bad! I’m happy with everything ;)
★★★★★
Thursday, August 21, 2025
“Okay, I like the virtual card. I initially opened it…”
Okay, I like the virtual card. I initially opened it because it’s free plus it has cashback. I had to pay for my flight. As a result I consistently use the card a couple of times a month, I pay for everything that needs to be paid online. There are no complaints.
★★★★★
Wednesday, August 20, 2025
“I like it very much! I paid with my Spend…”
I like it very much! I paid with my Spend card for all my vacation! It works well with booking! I also use these cards for Spotify and some online shopping. I’m very happy that I started using this card for free!
★★★★★
Thursday, August 14, 2025
“There are no downsides at all! It’s the only virtual…”
There are no downsides at all! It’s the only virtual card that’s free! And there are zero fees for everything,except topping up,but it’s still very cheap! All my transactionss have been done sucessfully! I also like that all of them are cleer in the payment history. It’s very convenient
★★★★★
Thursday, August 14, 2025
“I’ve been a Spendnet cardholder for 2 months. I pay…”
I’ve been a Spendnet cardholder for 2 months. I pay with my card for Miro, ChatGPT, Figma, and Apple Music. All payments are done in seconds! Cashback is a pretty good bonus too it goes without saying
★★★★★
Thursday, August 7, 2025
“It’s the first virtual dollar card with cashback! I’m very…”
It’s the first virtual dollar card with cashback! I’m very excited about it! I have no issues when I’m paying with them. I pay for my digital subscriptions and for AI services. All good. I also like the easy top-ups if you’re using USDT TRC20, it’s very cheap! I think I will pay for online shopping with the same service’s card too. It’s my favorite now :)
★★★★★
Wednesday, August 6, 2025
“Spend payments cards are abasolutely fabulous! I’ve just finished my…”
Spend payments cards are abasolutely fabulous! I’ve just finished my first payment with one and it’s ok! I bought a new bag on Farfetch and I got a perfect cashback it's $13! You might say it’s not a big sum of money, but I’ll say it’s cashback! Next step, I’ll do all my summer online shopping with this card! With cashback, I can buy some pretty little things on iHerb. 10 out of 10! I'ma very happy!
