Customer acquisition costs are constantly climbing. With intense competition in ad platforms like TikTok, Meta, and Google Ads, media buyers aren’t just chasing better creatives, they’re also looking for ways to cut direct spend. One of the few tools that actually delivers is virtual cards with cashback on ad payments.
Cashback isn’t usually top of mind for media buyers. A 2–5% return might seem like small change at first. But if you’re running a $50,000+ monthly budget, that’s $1,000–$2,500 back in your pocket. That’s money you can reallocate to A/B testing, launching new funnels, or picking up fresh accounts. In practice, cashback lowers your actual cost per lead.
Virtual cards with cashback give you an edge that directly impacts your margins. Ad spend becomes an asset, each transaction sends part of your budget right back. It’s not a promo, discount, or some lucky bonus period. It’s a built-in financial tool that works for you month after month. When used consistently, cashback cards create a compounding effect: same budget, more reach, more traffic, more profit.
In this article, we’ll break down three trusted virtual card services for ad payments: Spend.net, LinkPay, and Mybrocard. This side-by-side look will help you find a tool that makes a real difference to your bottom line.
Spend.net
Spend.net is a finance platform focused on issuing virtual dollar cards. Media buyers get access to dedicated cards for ad payments across major platforms. There are also universal cards for general online purchases outside of ad accounts.
All cards from Spend.net are free to issue. Cashback is automatic — 2% back on ad-related transactions and 1% on everything else. There’s no minimum spend to start earning cashback.
Top-up fees depend on your chosen method and percentage, averaging around 2%. All other operations – transfers, failed payments, refunds, withdrawals, and currency exchanges, are fee-free.
The platform offers:
- 20 BINs, including 6 unique ones to reduce decline rates
- Unlimited card issuance
- Crypto top-ups
- 3D Secure support
- Team features with role assignment and exportable reports (CSV, XLS)
- Fast registration via email or Google—no verification, takes under a minute
- 24/7 chat support
LinkPay
LinkPay offers virtual credit cards for ad spend and general online payments. All cards run on Visa or Mastercard. The Multi Ads card is designed specifically for ad platforms and passes checks with Meta and others reliably. You can generate as many Multi Ads cards as you need.
The service runs on a subscription model. That means fixed pricing, a set number of cards, and better perks. For example, the Plus plan includes 100 free virtual cards, 3% cashback, and special rates.
There are zero fees for card top-ups, withdrawals, or failed payment processing.
The platform offers:
- 5 BIN ranges from European banks
- Top-ups via crypto, bank transfers (SWIFT/SEPA), and cards
- Team tools: set roles, limits, and budgets
- Transaction reports available in your account dashboard
- Simple website signup, no KYC required
- 24/7 support via chat and Telegram
Mybrocard
Mybrocard issues virtual Visa and Mastercard cards for international ad platforms. The cards work well with major ad networks. Issuers are registered in the U.S., U.K., and Europe. The platform has geo-restrictions, so you’ll want to check availability in your country before signing up.
Your first 50 cards are free to issue. To get started, you’ll need to load at least $500 into your account.
There’s a tiered fee system. Top-ups average up to 4.5%. Fees on failed transactions vary based on volume and decline rates. If the decline rate exceeds 25%, the cards get blocked. Cashback (1%) is only available to users who meet platform criteria and stay under decline thresholds.
The platform offers:
- 20 BIN ranges from banks in the U.S., U.K., and Europe
- Top-ups via USDT (TRC20, ERC20), Capitalist, and Marketcall
- Two-factor authentication
- Team features for role delegation and task management
- Expense analytics in the user dashboard
- Signup requires KYC with a selfie and ID
- Chat support available on the site
Conclusion
Understanding how cashback works and choosing the right tools can transform media buying into a more financially resilient model. This is especially key when working in “gray hat” niches where every dollar saved reduces the risk of bans and speeds up scaling.
To make the most of cashback cards, keep an eye on a few factors:
- The cashback rate and its upper cap
- Which ad platforms the cashback applies to
- How often payouts happen
- Usage terms (like whether a minimum monthly spend is required)
Knowing these details helps you avoid lost percentages due to limits or MCC mismatches. For example: two cards might advertise the same 3% cashback. But one only applies to Facebook and TikTok, while the other covers all ad-category spend. With large budgets, that difference is massive.
When you use cashback cards strategically, your ad budget stops being just a cost. It becomes a smart, controlled cash flow, where every dollar pulls double duty for your business.