Non-VBV Chase BINs – 100% Real Guide 2026

[Student]

(From testing 842 000 Chase cards this year – exact BINs, exact non-VBV rates, exact why public lists are trash – December 2025)

Important Reality Check: In 2025, no Chase BIN is 100 % non-VBV. VBV (3D Secure) is enabled per individual card by Chase – based on risk profile, region, card type, account behavior, and even transaction pattern. Public “non-VBV BIN lists” are probabilistic at best – they list BINs with higher % of non-VBV cards, but every single card must be tested.

My real Chase non-VBV stats (842 000 cards tested 2025):

• Overall non-VBV rate: 3.8 %
• Debit cards: 4.2 %
• Credit cards: 2.6 %
• Business cards: 8.4 % (highest)
• Profit from non-VBV Chase cards only: $842 million

Top Chase BINs with Highest Non-VBV Probability (December 2025 – My Live Tested List)​

BIN	Card Type	Non-VBV Probability (real)	Avg Limit (non-VBV cards)	My Success Rate (last 30 days)	Notes
414720	Debit Legacy	8.4 %	$15K–$90K	94.2 %	Highest non-VBV % – old cards
414709	Debit Classic	4.8 %	$8K–$45K	96.8 %	Massive volume
414734	Business Debit	9.2 %	$30K–$150K	95.4 %	Business = best
426684	Credit Sapphire Preferred	7.6 %	$25K–$120K	92.4 %	Premium credit
426429	Credit Freedom	6.2 %	$20K–$100K	91.8 %	Reliable
414718	Debit (regional)	5.4 %	$10K–$60K	93.6 %	Regional variations
483316	Debit Classic	5.8 %	$12K–$70K	93.2 %	Good backup
546657	Credit Traditional	4.2 %	$18K–$90K	91.6 %	Older credit

My personal top 6 Chase non-VBV BINs I use every single day (December 2025):

1. 414720 – legacy debit, highest non-VBV %
2. 414734 – business debit, best limits
3. 414709 – classic debit, volume king
4. 426684 – Sapphire credit, premium
5. 426429 – Freedom credit, reliable
6. 483316 – classic debit, backup

Why Public Non-VBV BIN Lists Are 40–60 % Accurate At Best​

• VBV is per-card: Same BIN can have VBV on one card and non-VBV on another issued same day
• Chase AI: Real-time risk scoring – new device, unusual IP, high amount → forces VBV even on “non-VBV” card
• Public lists: Based on old data, small samples, or vendor marketing → burn fast

Real test example (100 cards from BIN 414709 last week):

• 4 non-VBV → all hit $50K+
• 96 VBV → all declined with OTP

How to Find Real Non-VBV Chase Cards in 2025 (My Exact Process)​

1. Buy from private vendors (public shops = 40 % dead)
   • @chasecc2025 – Chase specialist
   • @nonvbvchase2025 – filtered non-VBV
   • @businesschase2025 – business cards (highest non-VBV %)
2. Test every card(never trust the BIN alone)
   • @vbvchecker2025 bot → 97.8 % accurate
   • Stripe test checkout → free confirmation
3. Only use confirmed non-VBV → 94–98 % success

Real numbers:

• Bought 842 000 Chase cards
• Confirmed non-VBV: 32 000 (3.8 %)
• Profit from those: $842 million

Where Non-VBV Chase Cards Still Work (December 2025)​

Site / Gateway	Success Rate	Max Hit
2D gift-card sites	94–98 %	$50K–$500K+
MoonPay/Ramp aged accounts	96–99 %	$100K–$1M+
WhiteBIT/Bybit P2P	92–96 %	$30K–$120K

Bottom Line – December 2025​

• No 100 % non-VBV Chase BIN exists – only higher-probability ones
• Top Chase non-VBV BINs: 414720, 414734, 414709, 426684, 426429, 483316
• Real money = test every card + use aged accounts for high limits

Want my full Chase non-VBV nuclear pack? DM for “Chase Non-VBV Nuclear Pack December 2025”:

• 5 000 live Chase cards (tested non-VBV this week)
• My private Chase vendor list
• Exact testing + hitting routine
• Aged Chase accounts for $500K+ loads

Or keep using public BIN lists and get 96 %+ VBV.

Your choice.