New business offer: 5% cashback on ad, SaaS & cloud spend in your first 30 days, up to $200. Ends 31 Aug. Terms apply
Get started as fast as 24 hours

Ad spend cards that don’t get blocked.

Issue unlimited Visa credit cards in seconds — one per client, campaign, or channel. Built for agencies, media buyers, and performance marketers who scale spend across Meta, Google, TikTok, and beyond.

No bank account needed First card in as fast as 72 hours
Live
Reap Visa Platinum Business card VIRTUAL
•••• •••• •••• 4471
Meta – Client A $10,000/mo
Card name
Limit
Live authorizations
M
Meta – Client A
Campaign spend
$4,120.50
✓ Approved
G
Google – Q3 Launch
Campaign spend
$2,860.00
✓ Approved
U
Unverified merchant
Exceeds card limit
$9,800.00
Declined
T
TikTok – Retargeting
Campaign spend
$1,540.00
✓ Approved
Cards that work where you spend
The problem

Ad platforms can’t tell you apart from a fraudster.

Ad networks score every card’s BIN for trust. High spend velocity, many accounts, and fresh cards look suspicious — so legitimate advertisers get caught in the defenses. Low-trust prepaid BINs get declined, one flagged card cascades a ban across linked accounts, and campaigns stop mid-scale. For a media buyer, the card is the thing standing between you and your ad account staying alive.

Genuine Visa credit

Cards that get approved where prepaid BINs get blocked

Reap issues genuine Visa credit cards, which carry a higher trust score with ad platforms than the prepaid and debit BINs resellers rely on. That difference keeps your campaigns live.

Higher approval rates across Meta, Google, TikTok, and every major platform
3D Secure built in, so payments clear the authentication EU/UK billing requires
No false “insufficient funds” flags when your balance is fine
Authorizations Live
MMeta AdsApproved
GGoogle AdsApproved
TTikTok AdsApproved
3D Secure verified
One card per campaign

One ban never takes down the portfolio

When ad accounts share a payment source, networks link them, and one ban chains across all of them. Issue unlimited cards in seconds — one per client, campaign, or ad account, each with unique credentials — so spend and risk stay walled off.

Unlimited cards, issued in seconds
If a card gets flagged, freeze it and spin up a replacement with zero downtime
Issue and recycle hundreds of cards at once
Spend by campaign Live
MMeta – Client A$4,120.50
GGoogle – Q3 Launch$2,860.00
TTikTok – Retargeting$1,540.00
Always-on funding

Campaigns don’t keep banking hours. Neither do we.

Bank wires pause on weekends and holidays. Your campaigns don’t. Keep your cards funded around the clock with flexible settlement options and no business bank account required, so ad accounts are never starved mid-scale.

Fund your account 24/7, independent of banking hours
No bank account required to get started
Onboarding is fully online
Balances 3 currencies
$USD128,400.00
$USDC84,120.00
HKHKD992,300.00
One dashboard

Control and reconcile spend at scale

Every card is scoped to a client, campaign, or channel, so spend arrives pre-sorted the way you bill. No more shared cards mixing client budgets, and no more month-end forensics.

Per-card budget caps, category locks, and expiry dates
Freeze, fund, or terminate cards in bulk, with role-based team access
Generate cards automatically via API
Sync to your accounting stack for clean client billing
New card Performance
Card name
TikTok – Q3 Launch
Spend limit
$10,000.00
Create card
Limited-time offer

Get 5% back on the spend you already run

Open your account and use your Reap card for advertising, SaaS, or cloud spend in your first 30 days. We credit 5% back automatically, up to $200 per business.

1

Spend

Use your Reap card for ad, SaaS, or cloud spend.

2

Tracked automatically

Nothing to sign up for.

3

Get credited

Cashback lands the following month.

5% on qualifying advertising, software, and cloud card spend, up to $200 per business, within your 30-day offer window (from the offer launch date if approved before it, or from your approval date if approved during the offer). New approvals accepted through 31 August 2026. Terms apply.

How it works

Three steps from sign-up to spend

1

Sign up

Onboard in as fast as 24 hours, fully online.

2

Flexible settlement

Choose the settlement options that work for how you operate.

3

Issue & scale

Spin up a card per client, campaign, or channel, and go live.

Frequently asked questions

Yes. Issue unlimited virtual cards instantly, one per client or campaign, each with its own budget cap, category lock, and expiry.

Reap issues genuine Visa credit cards, which see higher approval rates on ad platforms than the prepaid and debit BINs most virtual-card resellers use.

Yes. Every Reap card supports 3D Secure out of the box, so payments clear the authentication that EU/UK billing on Meta, Google, and other platforms requires.

No. Onboarding is fully online, with flexible settlement options and no traditional bank account required.

Each card is scoped to a client or campaign, so spend is pre-sorted. Capture receipts and sync to your accounting stack.

No. Reap is built for any business running ad spend at scale.

Onboarding is online with KYB, and most agencies issue their first card within 72 hours.

Yes. The same account runs payments, expense management, and treasury, so you can pay vendors and platforms by bank transfer and manage all spend in one place.

No issuance, maintenance, subscription, or decline fees. Confirm the current fee schedule with our team.

New businesses earn 5% back on advertising, SaaS, and cloud spend in their first 30 days, up to $200, through 31 August 2026. Terms apply.

Keep every campaign live. Start today.

Create account