One card scope, every merchant
Halocard cards work for Google Ads, Meta Ads, TikTok Ads, and X Ads, subscriptions, software and shopping. Spend.net's FAQ states that its Advertisement card can only be used for digital advertising payments.
What is Spend.net?
Spend.net put accounts and funds on hold in early 2026, and it's unclear whether service has fully resumed
In January 2026, reviewers reported being locked out of their accounts. Spend.net replied publicly that it was in the middle of a major platform update, that funds were on hold, and that it was working with its banking partner on temporary limitations. Its last public update, in March 2026, gave no timeframe for a fix, and we found no confirmation since that service is back to normal. Check with Spend.net before depositing: its withdrawals are processed by hand, up to 14 days.
Checked 10 October 2026
Halocard is the better Spend.net alternative for anyone outside high-volume affiliate media buying, and the only one of the two open to US customers. Spend.net is a crypto-funded virtual card platform for media buyers, run by Widberg Affiliates Limited, registered in the Marshall Islands. It offers Visa and Mastercard cards across 20+ BINs, up to 1,000 cards once fully verified, and cashback on ad spend. Spend.net doesn't serve US citizens or residents, deposits are USDT or BTC only, card loads cost 3.75% to 6%, and its Advertisement cards can only pay for digital ads. It is rated 2.8/5 on Trustpilot. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries.
Pros
- Pros: 20+ BINs on Visa and Mastercard
- Pros: Up to 1,000 cards
- Pros: No standard monthly fee
- Pros: Cashback on card spend
- Pros: No purchase limits
- Pros: Team management and statement exports
Cons
- Cons: No US citizens or residents
- Cons: USDT and BTC deposits only
- Cons: Load fees of 3.75% to 6%
- Cons: Advertisement cards limited to ad payments
- Cons: Withdrawals by hand, up to 14 days
- Cons: Rated 2.8/5 on Trustpilot
How much does Spend.net cost?
- Monthly fee
- None; Premium for Advertisement cards
- Card load, under $1,000
- 6%
- Card load, from $1,000
- 5%
- Card load, from $5,000
- 3.75%
- Merchants outside the US
- 3%
What are Spend.net's limits?
- Welcome level
- 1 card, $500 a month
- Scale level
- 5 cards, $5,000 a month
- Unlimited level
- 1,000 cards
- USDT deposit
- Free from $50, else $5
How does Halocard compare to Spend.net?
Halocard is the best Spend.net alternative for most people: Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, for ads, subscriptions and shopping alike.
Better choice | Spend.net | |
|---|---|---|
| Eligibility | Advantage: For residents of the US and 120+ countries | Outside the US, minus restricted countries |
| What the cards pay for | Advantage: Ads, subscriptions, software and shopping | Advertisement cards: digital ads only |
| Card type | Advantage: US-issued Visa credit card | Prepaid or debit cards on Visa and Mastercard |
| Funding and withdrawals | Advantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto | USDT (TRC20) and BTC only |
| USD bank account | Advantage: Your own US account and routing number | None |
| Controls | Advantage: Per-card limits, custom name and billing address | Per-card balances and card blocking |
| Fees | Advantage: From $12 a month; no fee in USD | No monthly fee; 3.75% to 6% per load |
| Support | Advantage: Chat, email, and phone on every plan | Telegram chat and email |
| Trust and transparency | Advantage: A regulated US company and card issuer | An offshore company; issuers not named |
Why Halocard is the better Spend.net alternative
Fund without buying crypto
Top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, with your balance held in US dollars.
US customers welcome
Halocard is a US-issued Visa credit card for customers in the US and 120+ countries. Spend.net doesn't serve US citizens or residents.
Support that answers
Reach a person by chat, email, and phone on every plan, and spend up to $1M a day from your balance.
Spend.net FAQ
Is Spend.net legit?
Spend.net is a real service, run by Widberg Affiliates Limited, registered in the Marshall Islands, issuing Visa and Mastercard cards in USD through US partner banks, with 3D Secure. It is rated 2.8/5 on Trustpilot from 13 reviews: positive on BINs and cashback, negative on account lockouts in early 2026 and slow withdrawals.
How much does Spend.net cost per month?
There is no standard monthly fee, but Spend.net ties Advertisement card issuance to its Premium subscription, which also lowers deposit fees and raises cashback. The costs that matter most are card load fees of 6% under $1,000, 5% from $1,000 and 3.75% from $5,000, plus 3% on merchants outside the US.
Does Spend.net require identity verification?
Yes, and your verification level sets what you can do: Welcome allows one card and $500 a month of funding, Scale 5 cards and $5,000 a month, and Unlimited removes the funding cap and allows up to 1,000 cards.
How do I withdraw money from Spend.net?
Account withdrawals are paid in USDT only and processed by hand, up to 14 days. Halocard balances can be withdrawn to a supported withdrawal method.
What cashback does Spend.net pay?
It depends on the page and your Premium plan: its cards page quotes 1% on Spend cards and 2% on Advertisement cards, while other pages quote different rates and caps. Check the rate on your plan before relying on it.
Which countries can't use Spend.net?
Spend.net doesn't serve US citizens or residents, and its policy lists 40 restricted jurisdictions, including Canada, China, Hong Kong, Russia and Ukraine. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries.
What is the best Spend.net alternative?
Halocard. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a billing address you choose on each card, Apple Pay and Google Pay, and funding by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. Every friend you refer earns you $5 or more a month.
Disclaimer
Based on public information as of October 2026 (see Sources on our Halocard vs Spend.net comparison); Spend.net's products, fees and terms may change, so check before you decide. Halocard publishes this page and makes one of the products compared, so verdicts and ticks are our opinion. Spend.net and its product names are trademarks of their owner, used only to identify its products; Halocard is not affiliated with or endorsed by Spend.net. Not financial, legal or tax advice.