You can obtain a computer-generated credit or debit card with the aid of virtual card issuers (not physical plastic cards). They make it possible for you to shop online without entering your actual credit card number.
These cards include automatic limit management and fraud protection.
The list of top virtual card/debit services, together with their most popular features and website connections, is provided below. Both open source (free) and proprietary (paid) applications are included in the list.
Best Virtual Prepaid Credit & Debit Cards Online in the USA
1) US Unlocked
US Unlocked will enable you to use our Virtual Payment Cards with U.S. websites to shop from anywhere in the globe. Shipping and billing addresses. Anyone looking to acquire a US subscription, such as US Netflix, Hulu, Disney+, etc., will appreciate this payment option.
Features:
The business offers two different kinds of cards: a single-use card that can only be used once, and a merchant-specific card that locks to a certain merchant after a transaction.
Depending on your country, you can fill your account using 14 new load methods, including local bank transfers, sofort, boleto, and yandex.
2) Wise
Wise is an online tool that enables you to block use of your virtual card after making a purchase. You can use it to make secure online purchases.
Features:
- more than 50 different currencies are supported.
- Three cards can be used at once.
- accessible for personal or professional use.
- enables you to safely buy things online.
- There are more than 30 nations where this service is offered.
3) Blur
Blur is a VCC provider that aids with keeping your password, bank transactions, and other personal information safe from hackers. You can check out using a phone, browser, or tablet.
Features:
- For each purchase, Blur can generate a unique credit card number.
- All devices can securely sync with it.
- This service can obstruct covert trackers, prohibit secret data collection, and more.
- The online form can be completed in a single tap.
- It is able to encrypt passwords.
4) Privacy
Privacy is a service that acts as a virtual credit card to assist you safeguard your money when purchasing online. One of the greatest virtual credit cards available, it has a special card number that only functions for the specific merchant. You can cancel your subscription with just one mouse click thanks to this company.
Features:
- It provides useful browser add-ons.
- You can get immediate email notifications when transactions happen.
- After the initial use, the card automatically closes.
- If the card number is revealed, your card is become useless.
5) Open.money
Open.money helps businesses and individuals to manage, track, and control internet spending in real-time through an online platform. It is a digital card that enables you to manage your spending without having to carry cash or a physical card.
Features:
- The ideal response for a cashless society is Open.money.
- For each subscription, obtain a virtual card.
- Don't ever forget to pay.
- Never exceed your budget.
- Get notifications for each transaction that is being made.
- Real-time tracking of all your spending.
- For each and every online purchase, real-time visibility.
- Set up automatic payments.
- every time, receive a reward.
6) Airtm
Airtm is a website that enables you to pay with a virtual card. It enables you to send money using a real exchange rate over the internet. You can fund your digital card using dollars on this website.
Features:
- There is no need for you to maintain minimum balances.
- allows you to buy things online in any currency.
- gives users service around-the-clock.
- It provides reloadable cards for cryptocurrency.
- provides access to more than 800 banks for adding money.
7) Advcash
Advcash is a virtual service provider that makes it easy for you to shop online. You can send money to currently active Visa cards, email addresses, and other users.
Features:
- Any currency may be withdrawn from an ATM.
- You can view transactions on this site with just one or two mouse clicks.
- You are able to add various currencies to a single account.
- This platform executes hassle-free, rapid exchange operations.
8) Bento
Bento is a virtual card provider that gives a simple solution to control the spending and expenses of your company. You can create and allocate a virtual card for your account with the aid of this service.
Features:
- Your account contains securely saved card information.
- You may manage both virtual and actual cards with its assistance.
- Once issued, a virtual card can be used right away.
- Authorized individuals can access the card.
- In comparison to a typical physical card, it provides security and speed.
9) Netspend
Netspend is a company that offers prepaid virtual cards. It enables you to create customized cards with a distinct graphic and photo. Transaction changes are transmitted through text message by this card service provider.
Features:
- You are able to check your card account balance anywhere, at any time, using this temporary credit card service.
- You can easily generate a temporary card number.
- Even if someone else uses your card, it is protected by this fast virtual debit card supplier.
- Cards from Netspend can be used everywhere in the nation.
Link: https://www.netspend.com/prepaid-debit/features/virtual-cards/
10) American Express Go
American Express Go is a virtual US credit card supplier that gives users an expenditure solution that is simple to use.
Your freelancers, contractors, and recruiters may pay you from their mobile devices more quickly and conveniently thanks to this solution.
Features:
- Your virtual card is simple to produce.
- You can keep track of all the transactions with its assistance.
- You can regulate your spending thanks to this service.
- Funds can be added by your organization's personnel.
Link: https://www.americanexpress.com/us/payment-solutions/amex-go-virtual-cards/
11) ecoVirtualcard
ecoVirtualcard is simple to utilize a provider of prepaid cards. You may use a smartphone to safely pay for things online without giving out any personal information.
Features:
- It provides a free virtual credit card with a fast, secure payment option.
- The phone is used for a two-step verification process for ecoVirtualcard.
- You may easily obtain a PIN for a virtual prepaid debit card.
- This virtual credit card business in the USA offers multilingual assistance.
Link: https://www.ecopayz.com/en/prepaid-cards/ecovirtualcard
12) Brex
Once it is accepted, Bext, a corporate service provider, offers a virtual card. It can be integrated with QuickBooks, Expensify, and Xero NetSuite.
Features:
- It can manage your money while preventing fraud.
- You can easily and for no cost apply for the virtual credit card.
- Brex offers live customer service assistance.
- You can easily manage your costs thanks to it.
Link: https://brex.com/
13) Emburse
Emburse is a business that provides both digital and actual credit cards. It has authorization and approval based on role. By confirming the identity of each transaction's party, this business protects itself from fraud.
Features:
- It provides reports and real-time information.
- A mobile receipt is provided by Emburse.
- Both Apple Wallet and Android Pay are supported.
- Expenses can be automatically categorized by the application.
- It aids in managing your purchase.
14) ePayService
ePayService is a business that makes it possible for you to make a secure online payment. It is one of the leading providers of virtual credit cards that enables you to manage your card-based online purchases.
Features:
- Your virtual card will be distributed immediately.
- USD, GBP, and EUR are supported by the company.
- It can safeguard the information on your free debit card number.
- Using various parameters, you can personalise your online purchasing.
- 3500 USD is the maximum buying amount.
- There are no ongoing monthly or per-purchase costs.
Link: https://epayservices.com/en/virtual-cards.html
15) iCard
iCard is a company that offers virtual cards and financial management tools for mobile devices. It is one of the greatest virtual debit card providers, allowing you to safely and easily shop from eCommerce websites.
Features:
- Real-time transactions are possible.
- To obtain a virtual credit card number, you can open the account from any location.
- Online debit cards are offered by iCard at no charge, and transactions are immediately notified.
- It provides virtual VISA Debit cards and Mastercard.
- Online payments made using a virtual card can be deleted.
- This card has a 20+ order cap.
Link: https://icard.com/
16) Divvy
Divvy is a service providing a fake card that may be used to make purchases online. Your transactions could be made using a 16-digit card number. With this online debit card provider, you can place a cap on each virtual card.
Features:
- The merchant lockout feature and forced card expiration dates are offered by this virtual credit card service online.
- It offers defense against the data breach.
- Virtual cards can be freed or deleted.
- Divvy assists you in selecting the desired card amount, and your budget's money are then loaded onto the card.
- Cards can be used anywhere.
Link: https://getdivvy.com/virtual-cards/
Top Prepaid Virtual Card Providers Online [Free/Paid]
| Card Provider | Link |
|---|---|
| US Unlocked | https://www.usunlocked.com/service/ |
| Wise | https://abine.com/ |
| Blur | https://dnt.abine.com/ |
FAQ
❓ A virtual card: what is it?
Virtual Cards are credit cards created by computers (not physical plastic cards). You can buy things online without entering your actual credit card number thanks to it. These cards include automatic limit management and fraud protection.
⚡ Which US virtual credit cards are the best?
Some of the top US virtual credit cards are listed below:
⚡ Can you use the virtual card only once?
Yes, it is possible to design virtual cards that disable themselves after just one transaction. These cards come in handy when dealing with dubious websites that impose recurring charges on you without your awareness.
Can a virtual card's maximum transaction amount be restricted?
Yes, you can design virtual cards with any desired transaction limits.
Can a virtual Visa card be used in-store?
Yes, you may just present the cashier with your credit card from the virtual card provider's website if you use a virtual card in-store.
Is it possible to transfer funds from a virtual card?
Money can be transferred from a virtual card, yes.
How Does a Virtual Credit Card Operate?
Although it provides more security, a virtual credit card functions virtually exactly the same as a regular credit card. You can use this temporary, randomly created 16-digit card number while making online purchases. It is difficult to perpetrate fraud because this 16-digit number is connected to your credit card. The rest of the process is the same; you simply substitute your virtual credit card number for your actual credit card number.
❗ A virtual credit card: how can I get one?
The steps to obtain a virtual credit card are as follows:
- First, obtain a credit card.
- Step 2: Access your credit card account online and navigate to the settings page.
- Step 3: If necessary, download and sign into the virtual card issuer's app.
- 4. Locate a virtual credit card and enter the card number.
- Step 5) Accept the created 16-digit virtual card number, expiration date, and security code and select the number's validity period.
- Step 6) You can now begin using your fake credit card.
🏅 Which virtual credit cards and debit cards are the best in the USA?
Here are a few of the top virtual credit/debit cards available in the USA:
- US Unlocked
- Blur
- Privacy
- Wise
- Airtm
- Perfect Money
- Advcash
- Bento