Use case · cards for ad spend

Instant virtual cards for advertising at scale

Ad-spend cards that keep your ads running 24/7.

Issue unlimited credit cards instantly — manually or via API — fund with stablecoins, track every dollar, and scale without getting blocked — at nearly 0 fees.

Get started Talk to us

dashboard.reap.global / cards Live

Overview

Cards

Spend

Team

Cards

23 active · 4 platforms

+ Issue card

CampaignPlatformSpendStatus

Summer Sale

•• 4921

Meta Ads

$3,600 / $5,000

Active

Q3 Retargeting

•• 8830

TikTok Ads

$2,200 / $5,000

Active

Brand Awareness

•• 1175

Google Ads

$8,800 / $10,000

Near cap

Prospecting LATAM

•• 6402

Snapchat

$1,050 / $5,000

Active

VIRTUAL · CREDIT

•••• •••• •••• 4921

CAMPAIGN

META · SUMMER SALE

VISA

Summer Sale Active

$3,600 of $5,000 limit

The credit advantage

Real Visa credit cards. Not prepaid. Not debit.

Most card providers hand you prepaid or debit cards which lead to payments get declined, flagged, or blocked.

Reap issues genuine credit cards, with higher trust scores and acceptance rates with ad platforms. That difference keeps your campaigns live.

Credit cards Recommended

Higher acceptance rates across Meta, Google, and every major platform

Fewer random declines pausing campaigns

Ads keep running while competitors scramble to replace blocked cards

Prepaid / debit cards

Flagged by fraud filters

Random declines mid-campaign

Ads go dark, ROI gone

Why Reap

Why customers choose Reap cards for ad spend.

Instant issuance

Generate new cards in seconds from your dashboard.

Unlimited credit cards

Issue cards per platform, account, campaign or ad.

Fund in fiat or stablecoins

Top up the way that suits your treasury, at $0 top-up fees.

Bulk issuance & management via APIs

Issue and manage thousands of cards programmatically.

No bank account required

Get started without a traditional bank relationship. Onboard, fund, and spend.

Your all-in-one financial business account

Cards, payments, expense management, and more in one place.

Who it's for

Built for how you actually work.

Regardless of your ad-spend, Reap scales with your business.

Media buyers

A dedicated card for every platform and campaign, with precise budgets and real-time spend tracking.

Marketing agencies

Manage ad spend across multiple clients with clean, client-level reconciliation and full visibility.

Affiliate Marketers

A card per offer, GEO, and traffic source. Keeps your ads running and commissions growing.

Ad-tech platforms

Issue and manage cards at scale via API, with per-card limits and controls built into your product.

Drop-shippers

Run product ads at scale while keeping ad spend cleanly separated from inventory costs.

Transparent pricing

Nearly 0 fees on cards

Some providers charge $2–$5 per card, 3% load fees, or $0.50 per decline. With Reap, the pricing is simple: you keep more of your budget working.

on everything below

No card fees, no platform fees, no surprises — six line items other providers charge for, all at zero.

Check out our pricing

$0 per card — issue as many as you need
$0 top-up fee — fund your account for free
0% off-ramp fee — we don’t charge to off-ramp
$0 subscription fee — no monthly plans or tiers
$0 maintenance fee — no charge for keeping cards active
$0 declined txn fee — no charge when a merchant declines

Cashback for high-volume spenders

Spend more. Earn more.

The more you spend through Reap, the more you earn back, with money going straight back into the campaigns that drive growth. Talk to us about volume-based cashback and custom pricing.

Beyond cards

Cards are just the start. Access a full Business Account.

Everything your business needs to move, manage, and grow money, in one account.

Cards

Cards for all your expenses - employee, travel, SaaS, advertising, and more.

Cross-border payments

Pay vendors, partners, and platforms worldwide.

Expense management

Track every dollar by card, campaign, and team member.

Business Account API

Programmatic control over your entire business spend - cards, balances, and reporting, via one API.

Business Account API

Programmatic control over your entire business spend - cards, balances, and reporting, via one API.

Issue bulk virtual credit cards - one per campaign - each with its own controls.

Pull raw transaction and balance data into your accounting systems.

Build custom dashboards that break down spend by any dimension.

Close your books faster - no manual exports, no copy-paste reconciliation.

Explore the Business Account API

POST /v1/cards

curl https://api.reap.global/v1/cards \
  -H "Authorization: Bearer sk_live_..." \
  -d nickname="meta-summer-sale" \
  -d limit=5000 \
  -d currency="USD"  // 201 Created, in under a second
{ "id": "card_8f2k", "last4": "4921", "status": "active" }

Reap vs others

How Reap compares.

	Reap	Other providers
Card type	Real Visa credit cards	Prepaid or debit
Per-card fee	$0	$2–$5 per card
Top-up / load fee	$0, fiat or stablecoins	Up to 3% load fees
Declined transaction fee	$0	$0.50 per decline
Bank account required	No	Usually yes
Platform	Cards, payments, full business account	Card-only tool
Regulation	Regulated financial institution	Often grey-market resellers

FAQ

Questions, answered.

How quickly can I get started?

Open an account, get verified, and start issuing cards within minutes with no lengthy bank applications.

How many cards can I create?

As many as you need. There's no hard cap: issue one per campaign, ad account, or team member, whatever your workflow requires.

Why do credit cards get fewer declines than prepaid cards?

Credit cards clear through different authorization channels on payment networks. Ad platforms like Meta and Google have higher acceptance rates for credit cards than prepaid or debit, which are more likely to trigger fraud flags or spending limits.

Do you support team accounts?

Yes. Create teams, assign roles (admin, finance, buyer), set per-user and per-card spend limits, and manage approvals, all from one dashboard.

Can I use the API to issue cards programmatically?

Yes. The API supports card creation, limit management, transaction webhooks, and more, so you can integrate issuance directly into your ad-ops workflow.

Do you charge any fees for your cards?

Nearly none. $0 per card, $0 top-up fee, 0% off-ramp fee, $0 subscription fee, $0 maintenance fee, and $0 declined transaction fee. Check out our pricing

Explore

Your ads shouldn't stop because your card did.

Instant Visa credit cards built for advertising at scale. Issue cards in seconds. Scale without limits. Never lose a campaign to a payment decline again.

Get started Talk to us

Instant virtual cards for advertising at scale

Real Visa credit cards. Not prepaid. Not debit.

Why customers choose Reap cards for ad spend.

Instant issuance

Unlimited credit cards

Fund in fiat or stablecoins

Bulk issuance & management via APIs

No bank account required

Your all-in-one financial business account

Built for how you actually work.

Media buyers

Marketing agencies

Affiliate Marketers

Ad-tech platforms

Drop-shippers

Nearly 0 fees on cards

Spend more. Earn more.

Cards are just the start. Access a full Business Account.

Cards

Cross-border payments

Expense management

Business Account API

Programmatic control over your entire business spend - cards, balances, and reporting, via one API.

How Reap compares.

Questions, answered.

More from Reap.

Stablecoin Card Demand: What the 71% of Users Want

Reap Business Account Product Update — July 2026

Reap Pay Expense Categories: A Faster Way to Tag Payments

Your ads shouldn't stop because your card did.