Here’s a table summarizing the best US virtual credit and debit cards, including their key benefits, features, costs, and additional details:
| Virtual Card Service | Benefits and Features | Costs | Additional Details |
|---|---|---|---|
| Privacy.com | – Security: Mask card details – Control: Set spending limits, freeze cards – Privacy | Basic Plan: Free | – Integration: Chrome, Firefox, mobile apps – Funding: Link to bank account or debit card |
| Pro Plan: $10/month | |||
| Capital One Eno | – Security: Virtual card numbers – Control: Manage and track purchases | Free (Capital One cardholders) | – Integration: Capital One mobile app, browser extension – Temporary numbers for one-time or recurring payments |
| Citi Virtual Account Numbers | – Security: Generate virtual card numbers – Control: Set spending limits | Free | – Integration: Citi website, mobile app – Ideal for online shopping and recurring payments |
| American Express Virtual Payment Solutions | – Security: Virtual account numbers – Control: Manage spending and transactions | Fee-Based (Costs vary based on corporate card agreement) | – Integration: Major online merchants – Customization options for transaction descriptions and reporting |
| PayPal Key | – Security: Generate virtual card numbers – Control: Set spending limits | Free (Requires PayPal account) | – Integration: Use where PayPal is accepted – Funding: Link to PayPal balance, bank account, or debit card |
| Revolut Virtual Debit Card | – Global Usage: Use anywhere Mastercard or Visa is accepted – Security: Freeze/unfreeze card – Control: Budgeting tools | Free Plan available | – Premium Plan ($9.99/month) for additional benefits – Funding: Bank transfer, debit card |
| Wise Borderless Account | – Multi-Currency Account – Virtual Debit Card – Low Fees | Free | – Integration: Wise mobile app, website – Funding: Transfer from bank account to Wise account |
| Chime Spending Account | – Visa Debit Card – No Fees – Early Direct Deposit | Free | – Integration: Chime mobile app – Automatic savings features |
| SoFi Money | – Visa Debit Card – No Fees – High-Yield Interest | Free | – Integration: SoFi Money mobile app – ATM fee reimbursement, cashback rewards |
| Simple | – Visa Debit Card – Budgeting Tools – No Fees | Free | – Integration: Simple mobile app – Automatic savings, no minimum balance requirement |
In an increasingly digital world, virtual credit and debit cards offer convenience, security, and flexibility for online transactions. Here’s a detailed look at some of the best virtual credit and debit cards available in the USA, including their benefits, features, costs, and other relevant details.
1. Privacy.com
Benefits and Features:
- Security: Mask your credit card details with virtual card numbers for online purchases, protecting against fraud and data breaches.
- Control: Set spending limits, freeze cards, and manage subscriptions easily.
- Privacy: Keep your personal and financial information private.
- Compatibility: Works with major banks and credit unions.
Costs:
- Basic Plan: Free to use.
- Pro Plan: $10 per month for additional features like 1% cash back and more control options.
Additional Details:
- Integration: Integrates with Chrome, Firefox, and mobile apps (iOS and Android).
- Funding: Link to your bank account or debit card.
2. Capital One Eno Virtual Card
Benefits and Features:
- Security: Virtual card numbers for online shopping.
- Control: Easily manage and track purchases.
- Compatibility: Available to Capital One cardholders.
- No Fees: No additional cost to use the Eno virtual card feature.
Costs:
- Free: No cost to Capital One cardholders.
Additional Details:
- Integration: Accessible through the Capital One mobile app and browser extension.
- Temporary Numbers: Use for one-time purchases or recurring payments.
3. Citi Virtual Account Numbers
Benefits and Features:
- Security: Generate virtual card numbers to use instead of your actual card number.
- Control: Set spending limits and expiration dates.
- Compatibility: Available to Citi cardholders.
- Enhanced Security: Helps protect against unauthorized transactions.
Costs:
- Free: No additional cost to use Citi’s Virtual Account Numbers.
Additional Details:
- Integration: Accessible through the Citi website and mobile app.
- Temporary Numbers: Ideal for online shopping and recurring payments.
4. American Express Virtual Payment Solutions
Benefits and Features:
- Security: Virtual account numbers for secure online transactions.
- Control: Manage spending limits and monitor transactions.
- Compatibility: Available to American Express Corporate Cardholders.
- Integration: Works with major online merchants.
Costs:
- Fee-Based: Costs may vary based on the corporate card agreement.
Additional Details:
- Customization: Allows for detailed transaction descriptions and reporting.
5. PayPal Key
Benefits and Features:
- Integration: Use your PayPal account for online purchases where PayPal is accepted.
- Security: Generate virtual card numbers to protect your actual card information.
- Control: Set spending limits and manage subscriptions easily.
- Compatibility: Works with any merchant that accepts PayPal.
Costs:
- Free: No additional cost to use PayPal Key with your PayPal account.
Additional Details:
- Funding: Link to your PayPal balance, bank account, or debit card.
6. Revolut Virtual Debit Card
Benefits and Features:
- Global Usage: Use anywhere Mastercard or Visa is accepted.
- Security: Freeze and unfreeze your card instantly.
- Control: Manage spending with budgeting tools.
- Currency Exchange: No fee exchange in 30+ currencies.
Costs:
- Free Plan: No monthly fee.
- Premium Plan: $9.99/month for additional benefits.
Additional Details:
- Funding: Top up via bank transfer or debit card.
7. Wise (Formerly TransferWise) Borderless Account
Benefits and Features:
- Multi-Currency Account: Hold and manage money in multiple currencies.
- Virtual Debit Card: Spend in any currency with the Wise debit card.
- No Hidden Fees: Low-cost international transfers.
Costs:
- Free: No monthly fee for the Wise Borderless Account.
- Low Fees: Competitive exchange rates and low transfer fees.
Additional Details:
- Integration: Accessible through the Wise mobile app and website.
- Funding: Transfer money from your bank account to your Wise account.
8. Chime Spending Account
Benefits and Features:
- Visa Debit Card: Use anywhere Visa is accepted.
- No Fees: No monthly fees, no minimum balance requirement.
- Early Direct Deposit: Get paid up to two days early with direct deposit.
Costs:
- Free: No monthly fee.
Additional Details:
- Mobile App: Manage your account through the Chime mobile app.
- Automatic Savings: Round up purchases to the nearest dollar and save the spare change.
9. SoFi Money
Benefits and Features:
- Visa Debit Card: Use anywhere Visa is accepted.
- No Fees: No account fees, no minimum balance requirement.
- High-Yield Interest: Earn competitive interest on your account balance.
- ATM Fee Reimbursement: Worldwide ATM fee reimbursement.
Costs:
- Free: No account fees.
Additional Details:
- Mobile App: Manage your account through the SoFi Money mobile app.
- Cashback Rewards: Earn cashback rewards on your purchases.
10. Simple
Benefits and Features:
- Visa Debit Card: Use anywhere Visa is accepted.
- Budgeting Tools: Tools to help you save and budget.
- No Fees: No account fees, no minimum balance requirement.
Costs:
- Free: No account fees.
Additional Details:
- Mobile App: Manage your account through the Simple mobile app.
- Automatic Savings: Round up purchases to the nearest dollar and save the spare change.
Conclusion
Virtual credit and debit cards offer enhanced security, control over spending, and flexibility for online transactions. Whether you’re looking for additional security measures, low fees, or specific features like budgeting tools, there’s a virtual card option to suit your needs. Evaluate your preferences and financial goals to choose the best virtual credit or debit card for your online transactions. Always consider the costs, benefits, and features before making a decision to ensure it aligns with your financial habits and goals.
