Virtual cards differ from standard bank cards only in that they have no physical form. These cards cannot be lost or stolen. There is no need to queue at a bank branch or deal with paperwork to obtain one. All that is required is an internet connection. A few clicks, and the card is ready.

Digital cards are suitable for various online payments. They can be used to purchase airline tickets, book hotels, pay for AI tools and applications, or buy clothes and electronics. Businesses use them for operational expenses and advertising purchases.

In media buying, virtual cards are essential tools. Due to the nature of the industry, large quantities of cards are required, and they must meet specific criteria, including Bank Identification Numbers (BINs) suitable for advertising platforms. These cards should also be equipped with features that facilitate managing multiple payments, such as task assignment and role distribution.

This article explores how virtual cards can provide not only convenience but also financial benefits.

Read on for an overview of Spend.net’s features and their cashback-enabled virtual cards.

Spend.net: versatile cards for your needs

The financial platform Spend.net specialises in virtual dollar cards. It offers dedicated cards for media buying on popular platforms as well as cards for shopping and other online transactions. All cards on the platform are free.

The key advantage of Spend.net is the ability to earn while you spend. All Spend.net cards guarantee automatic cashback on expenses:

• 2% cashback on advertising expenses
• 1% cashback on all other online payments

Fees: flexibility and full transparency

Top-up fees are adjustable. The percentage depends on the user’s choice at the time of card balance replenishment. The average top-up fee is 2%.

There are no fees for card issuance or any other financial operations:

• 0% transaction fees
• 0% decline fees
• 0% currency exchange fees
• 0% withdrawal fees from card or account
• 0% refund fees
• 0% account top-up fees*

*A small service charge applies if the top-up amount is less than $50 

Technical features and capabilities: cards for personal spending and advertising payments

Visa and Mastercard payment systems: universal and accessible

All Spend.net cards operate on Visa and Mastercard payment systems, making them suitable for transactions anywhere these networks are accepted — practically everywhere, as these are the most widely used payment systems in 2025.

3D Secure technology: enhanced security

The platform offers cards with built-in 3D Secure technology, widely used by banks. When making an online payment, a special code is sent via SMS, which must be entered to confirm the transaction. This ensures that only the cardholder can complete the payment, preventing unauthorised transactions.

20 BINs: optimised for advertising payments with minimal declines 

Spend.net users can select cards with BINs tailored to major advertising platforms, including Facebook Ads, Google Ads, TikTok Ads, and more. The service carefully selects BINs, reducing the risk of transaction declines to a minimum.

Management tools: team features and financial reporting

The user dashboard includes tools for managing cards. Teams can be created, tasks assigned, and roles distributed. For budget analysis, all financial transactions are compiled into ready-made reports, available for download in CSV and XSL formats. Additionally, cashback earnings are displayed in real-time.

Balance top-up: crypto support

The platform supports crypto deposits, allowing users to fund their accounts with USDT and BTC. The desired crypto can be selected within the user dashboard.

Platform registration: less than a one minute

The fastest way to register is through Google account authentication. Alternatively, users can sign up with an email and password.

Card issuance: unlimited card creation

No complex verification is required to create cards — simply follow straightforward instructions and provide contact details. Users can select the required number of cards directly from the dashboard.

Customer support: available 24/7

Spend.net’s support team is available around the clock to assist users. Support can be accessed through live chat within the user dashboard.

To sum up

Spend.net virtual cards offer a range of benefits. In addition to the standard advantages of virtual cards – quick online issuance without bureaucracy, Spend.net enables users to earn while they spend.

Service users receive a guaranteed 1% cashback on online purchases and 2% cashback on advertising payments. The free card issuance and zero fees on all key transactions further contribute to cost savings.

The platform’s technical capabilities position it as a modern digital banking solution, suitable for both individual and business needs. Advanced 3D Secure protocols, team management features, and round-the-clock customer support make Spend.net a strategic tool for optimising online spending.

Feel free to sign up for Spend.net and start earning cashback on every purchase today!