These cards provide fraud protection and auto management on spend limits. Following is a handpicked list of Top Virtual Card/Debit Services, with their popular features and website links. The list contains both open source (free) and commercial (paid) software.
Best Online Virtual Prepaid Credit Card & Debit Cards in USA
1) US Unlocked
US Unlocked will allow you to shop U.S. websites from anywhere in the world using our Virtual Payment Cards with U.S. Billing/Shipping Addresses. This payment service is great for anybody wishing to purchase a US service like US Netflix, Hulu, DIsney+ etc.. Features: Security: 128-bit Set Spend Limit: Yes Set Charge Limit: Yes
The company offers 2 types of cards: a one-time use card that cannot be reused after one transaction and a merchant-specific card that locks to a merchant after a transaction. You can load your account depending on your country (Local Bank Transfer, Sofort, Boleto, Yandex and 14 new load methods. Provides 128-bit encryption Support browser extensions for Edge Available in 180+ countries including India, United states, United kingdom, Philippines, Singapore, and Australia Loading methods like bank transfers, Deposito Identificado, Sofort, DirectPayEU, eps, giropay, Teleingreso and Verkkopankk Provides $10 shipping reward on your purchases Offers spend limit, Merchant locked, and Charge Limit It provides customer support via Email, Phone, Chat and Contact Form Supported currencies: USD Supported Platforms: Mac, iOS and Android
Visit US Unlocked »
2) Wise
Wise is a online application that allows you to freeze your virtual card after making payment. It enables you to securely purchase online products. Features: Security: AES-256 Set Spend Limit: Yes Set Charge Limit: Yes
Available for business or personal use. Enables you to securely purchase online products. Provides AES-256 encryption Support browser extensions for Chrome, Firefox, Safari and Microsoft Edge Available in 30+ countries including United states, Canada, Brazil, Bulgaria, Croatia, Cyprus, and Singapore Loading methods like PayPal, Stripe, debit card, Apple Pay and Google Pay Create 3 virtual cards at a time Provides 1% cashback on your purchases Offers Freeze card when needed, spend limit, and single-use cards It provides customer support via Phone Supported currencies: USD and INR Supported Platforms: Windows, Mac and Linux
Visit Wise »
3) Blur
Blur is a VCC provider that helps you to protect your payments, bank transactions, privacy, and password from cybercriminals. It enables you to checkout from the phone, browser, or tablet. Features: Security: 256-bit AES Set Spend Limit: Yes Set Charge Limit: Yes
Blur can generate a new credit card number for every purchase. It can sync securely across all devices. This service can stop secret data collection, block hidden trackers, and more. You can fill out the online form with just one tap. It can encrypt your password. Provides 256-bit AES encryption Support browser extensions for Chrome, Firefox, Opera and Edge Available in 20+ countries including US, and UK Loading methods like Credit Card, Debit Card, and ACH Provides 1% cashback on your purchases Supports credit cards like Discover, Maestro, American Express, VISA, MasterCard Offers spend limit, and charge limit It provides customer support via Email, Live chat Supported currencies: USD Supported Platforms: iOS and Android
Visit Blur »
4) Privacy
Privacy is a virtual credit card service that helps you to protect your money when shopping online. It is one of the best virtual credit card that offers a unique card number that only works for the individual merchant. This company enables you to turn off subscription service with just one mouse click. Features: Security: 2FA Set Spend Limit: Yes Set Charge Limit: Yes
You can receive instant email alerts when transactions occur. The card automatically closes after first use. Your card becomes unusable if the card number is exposed. Provides 2FA encryption Support browser extensions for Google Chrome, Firefox Available in US Create 12 Cards per month with Privacy Personal (Free plan) Provides 1% cashback on your purchases Offers Freeze card when needed, spend limit, single-use cards, merchant locked, and charge limit It provides customer support via support.privacy.com Supported currencies: USD Supported Platforms: Web, IOS & Andriod
Visit Privacy »
5) Ramp
Ramp provides unlimited virtual and physical cards, automated controls and approvals, and smart accounting integrations. The cards come with unlimited 1.5% cashback. Ramp helps streamline your finances with unique features like automatic HRIS sync, receipt capture, and bill payments. It offers direct Integrations with QBO, NetSuite, Xero, and Sage Intacct. Ramp enables you to control your spending before it happens
Features:
No Personal Credit Checks or Guarantee It provides recurring limits and transaction-level restrictions. Apple and Google Pay support You can automate 95% of administrative tasks. Provides international reimbursements in FX Attractive 1.5% cashback on all your spending. Easily consolidate and automate manual payments It provides real-time reporting & insights with one dashboard for all company expenses It offers best-in-class customer support Offers automation of manual tasks like receipt collection and expense.
Visit Ramp »
6) Divvy
Divvy is a service for a virtual card that can be used for online payment. It can make your transactions using a 16-digit card number. This online Debit card company allows you to set a limit on each virtual card.
Features:
This online virtual credit card service offers force card expiration dates and the merchant locking facility. It provides protection from the data breach. You can delete or free virtual cards. Divvy helps you to choose the card amount you want, and the funds are loaded on the card from your budget. You can use cards anywhere. Provides AES 256, MFA and SOC2 encryption Support browser extensions for Google Chrome, Firefox and Safari Available in US Loading methods like Paypal, Venmo, Zelle and other P2P Create Multiple cards Provides 1% cashback on your purchases Supports credit cards like Virtual and Visa Offers Freeze card when needed, spend limit, single-use cards, merchant locked, and charge limit It provides customer support via Email and Phone Supported currencies: USD Supported Platforms: Windows, Mac, iOS and Android
Link: https://getdivvy.com/virtual-cards/
7) American Express Go
American Express Go is a virtual US credit card provider that offers easy to use an expense solution. It provides a faster and flexible way for your freelancers, contractors, and recruiters to make payments from mobile.
Features:
You can create your virtual card with ease. It helps you to keep track of all the transactions. This service enables you to control spending. Employees of your organization can add funds. Provides AES 256-bit and 2FA encryption Support browser extensions for Google Chrome, Firefox and Safari Available in 20+ countries including US, Canada, UK, New Zealand and India Loading methods like PayPal and Credit Card Provides 1% cashback on your purchases Supports credit cards like Visa, Switch, Solo, Maestro, Mastercard, Electron and Delta debit cards Offers Freeze card when needed, spend limit, single-use cards, and charge limit It provides customer support via Phone Supported currencies: USD, TRY, CAD, SAR, KRW, AUD, BDT, INR, NGN, BSD, PEN and more Supported Platforms: Windows, Linux, iOS and Android
Link: https://www.americanexpress.com/us/payment-solutions/amex-go-virtual-cards/
8) Netspend
Netspend is a virtual prepaid card service provider. It helps you make personalized cards with a unique image and photo. This card service provider sends transaction alters as a text message.
Features:
This temporary Credit card service allows you to check your card account balance anywhere, anytime. You can create a temporary card number with ease. This instant virtual Debit card provider protects your card, even if someone uses your card. Netspend cards can be used all over the country. Provides SSL and MFA encryption Support browser extensions for Google Chrome, Mozilla Firefox, Microsoft Edge and Safari Available in 100+ different countries including US Loading methods like PayPal and Credit Card Create 6 Virtual cards Supports credit cards like Visa, Mastercard, and debit card Offers Freeze card when needed, spend limit, merchant locked, and charge limit It provides customer support via Email and Phone Supported currencies: USD Supported Platforms: Windows, iOS and Android
Link: https://www.netspend.com/prepaid-debit/features/virtual-cards/
9) Bento
Bento is a virtual card provider that offers an easy way to manage your organization’s expenses and spending. This service helps you to generate and assign a virtual card for your account.
Features:
Card information is securely stored in your account. It helps you to manage both virtual and physical cards. You can instantly use a virtual card once it is issued. The card is accessible by authorized users. It offers security and speed than a traditional physical card. Provides 256-bit SSL and 2FA encryption Support browser extensions for Chrome, Firefox and Safari Available in 200+ different countries Loading methods like credit card, debit card and Paypal Create 2 Cards per year(paid) Provides 1% cashback on your purchases Supports credit cards like Mastercard, Maestro, Visa, American Express and Dicover Offers Freeze card when needed, spend limit, single-use cards, and charge limit It provides customer support via Phone and Contact Form Supported currencies: USD Supported Platforms: Windows, iOS and Android
Link: https://bentoforbusiness.com/features/virtual-debit-cards/
10) ePayService
ePayService is a company that enables you to have a safe and secure online payment. It is one of the best virtual credit card providers that helps you to control your online shopping with cards.
Features:
It can quickly distribute your virtual card. The company supports USD, GBP, and EUR. It can keep the details of your free Debit card number safe. You can customize your online shopping using different values. The maximum purchase amount is 3500 USD. It does not take any monthly or purchase transaction fees. Provides 2FA and 256-bit SSL encryption Support browser extensions for Chrome, Firefox and Safari Available most European countries including Austria, Cyprus, Netherlands, Spain, Belgium, Estonia, Slovenia, Finland, Germany, Greece, Ireland, Italy, and more Loading methods like Bank Transfers and debit card Create 3 active virtual cards Supports credit cards like Mastercard and VISA Offers Freeze card when needed, spend limit, and charge limit It provides customer support via Chat, Email and Phone Supported currencies: USD, INR and EUR Supported Platforms: Windows
Link: https://epayservices.com/en/virtual-cards.html
11) Airtm
Airtm is a platform that helps you to pay money through a virtual card. It allows you to send money online using a real exchange rate. This site allows you to use your dollars to fund your digital card.
Features:
You do not require to keep minimum balances. Enables you to make online purchases in any currency. It offers cards that can be recharged with crypto. Allows you to add money from more than 800 banks. Provides 2FA encryption Support browser extensions for Chrome, Firefox, Microsoft Edge and Safari Available in 190+ different countries Loading methods like debit card and PayPal Create 5 active virtual cards Provides 1% cashback on your purchases Supports credit cards like Visa, MasterCard and American Express Offers spend limit, and charge limit It provides customer support via Ticket and Chat Supported currencies: USD, ARS, VES, COP and INR Supported Platforms: Android and Windows
Visit Airtm »
12) Advcash
Advcash is a virtual service provider that enables you to shop online without any hassle. It allows you to transfer funds to existing visa cards, email addresses, and other users.
Features:
You can withdraw money from ATM in any currency. This site enables you to view transactions with just one or two mouse clicks. It allows you to add multiple currencies within a single account. This platform performs instant exchange transactions without any hassle. Provides 2FA and SSL encryption Support browser extensions for Chrome, Firefox and Safari Available in 150+ different countries Loading methods like p2p transfers and cards Supports credit cards like Mastercard and VISA Offers spend limit, and charge limit It provides customer support via Contact Form, Email and Phone Supported currencies: USD, EUR, GBP, RUB, BRL, TRY, UAH, KZT and VND Supported Platforms: Windows
Visit Advcash »
13) Emburse
Emburse is a company that offers both virtual and physical credit cards. It has role-based permission and approval. This company protects from fraud by verifying person for each transaction.
Features:
It offers real-time insights and reports. Emburse provides a mobile receipt. It supports Apple Wallet and Android Pay. The application can automatically categorize expenses. It helps you to manage your purchase. Provides 2FA and 256-bit SSL encryption Support browser extensions for Chrome, Firefox and Safari Available in 120+ different countries Loading methods like PayPal, Credit Card, Apple Pay and Bank transfer Provides 1% cashback on your purchases Supports credit cards like Visa, MasterCard and American Express Offers spend limit, single-use cards, and charge limit It provides customer support via Contact Form, Email and Phone Supported currencies: 183+ currencies Supported Platforms: Windows
Link: https://www.emburse.com/products/emburse-cards
FAQ
Below are some of the best Virtual credit cards in US:
US Unlocked Wise Blur Privacy Ramp Divvy American Express Go
Following are the steps to get a virtual credit card:
Step 1) Get a Credit card Step 2) Log into your credit card account online and go to its settings Step 3) Download the virtual card issuer’s app if needed and log into the app Step 4) Search for a Virtual credit card and access the card number Step 5) Accept the 16-digit virtual card number, expiration date, and security code generated and choose the duration you want the number to be valid Step 6) Now, you can start using your virtual credit card
Here are some of the best virtual credit/debit cards in USA:
US Unlocked Blur Privacy Airtm Advcash Bento
