As online transactions become increasingly popular, the need for secure, flexible, and cost-effective payment methods has also grown. One of the most reliable tools I’ve discovered for managing online purchases is a virtual credit card (VCC). These cards allow me to shop safely, avoid fraud, and often help with budgeting. They’re especially useful when shopping at unfamiliar websites or subscribing to services that require frequent payments.
In this article, I’ll take you through the top 10 virtual credit card providers for 2025. I’ll compare their features, highlight pros and cons, and give you a clear picture of which service might be right for you. My goal is to give you an informed perspective, without sounding overly promotional.
Table of Contents
What Is a Virtual Credit Card?
Before diving into the best providers, it’s essential to understand what a virtual credit card is. Simply put, a virtual credit card is a digital version of a traditional credit card. It has a unique card number, expiration date, and CVV, but unlike physical credit cards, it doesn’t come with a physical card. These details can be used for online transactions only. The virtual card is often linked to an existing credit or debit account, and it’s issued by your bank or a third-party provider.
Why Should You Use a Virtual Credit Card?
There are several reasons why I recommend virtual credit cards for online shopping:
- Security: Virtual cards reduce the risk of fraud, as they are temporary and disposable. If you’re concerned about the safety of your primary card, using a virtual card ensures that your real card information is not exposed to the merchant.
- Budgeting: You can often set a limit on the amount that can be charged to a virtual card. This helps control spending and prevent accidental overcharges.
- Convenience: Virtual cards can be created instantly and used immediately for online purchases. There’s no need to wait for a physical card to arrive in the mail.
Now, let’s explore the top 10 virtual credit card providers for 2025.
1. Revolut
Overview: Revolut is a well-known digital banking service that provides virtual credit cards. The platform offers a seamless experience, combining financial services like currency exchange, budgeting tools, and a virtual card feature.
Key Features:
- Instant virtual card creation.
- No fees for creating virtual cards.
- Ability to set spending limits.
- Supports multiple currencies.
Pros:
- Easy to use mobile app.
- Low fees for international transactions.
- Instant virtual card generation.
Cons:
- Some services, like premium cards, come with additional fees.
| Feature | Revolut |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | Multi-currency |
| International Fees | Low |
Example: If I want to make an online purchase for $100 in a foreign currency, Revolut converts it at a competitive exchange rate with a small fee.
2. Privacy.com
Overview: Privacy.com focuses entirely on providing virtual credit cards. It’s ideal for users who want to protect their real card details while shopping online. Privacy.com also gives users control over transaction limits and card expiration.
Key Features:
- Create unlimited virtual cards.
- Set spending limits and expiration dates.
- Link multiple funding sources.
- Option for burner cards that expire after a single use.
Pros:
- Offers full control over cards.
- Free to use with optional premium features.
Cons:
- Limited availability outside the U.S.
| Feature | Privacy.com |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | US only |
| International Fees | No |
Example: Let’s say I create a virtual card with a $50 limit. If I make a purchase of $30, the remaining $20 is locked until I create a new card or adjust the limit.
3. NetSpend
Overview: NetSpend offers both physical and virtual cards, making it a great choice for people who need flexibility. NetSpend virtual cards are perfect for frequent online shoppers or anyone who needs to manage their finances effectively.
Key Features:
- Prepaid cards with virtual card options.
- Online account management.
- No monthly fees with some plans.
Pros:
- Good for people who prefer prepaid cards.
- Easy to add funds.
Cons:
- Monthly fees may apply depending on the plan.
| Feature | NetSpend |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | US only |
| International Fees | High |
Example: If I want to spend $50 on an online store, I can load my NetSpend account with exactly that amount, ensuring I don’t overspend.
4. Wise (formerly TransferWise)
Overview: Wise is known for its low-cost international transfers, and it also offers virtual cards for online purchases. It’s perfect if you frequently make cross-border transactions.
Key Features:
- Multi-currency accounts.
- Virtual cards for secure online shopping.
- Transparent fees.
Pros:
- Great exchange rates for international purchases.
- Transparent, low fees.
Cons:
- Limited customer service options.
| Feature | Wise |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | Multi-currency |
| International Fees | Low |
Example: I use Wise to make an online purchase in GBP, and the platform automatically converts my USD at a competitive rate with minimal fees.
5. American Express Go
Overview: American Express Go offers a simple virtual card solution for businesses, but it can also be a good option for individuals looking for a secure online payment method.
Key Features:
- Virtual cards for business and personal use.
- Integration with expense management systems.
- Custom spending limits.
Pros:
- Trusted brand with strong fraud protection.
- Excellent customer support.
Cons:
- Available primarily to U.S. residents.
| Feature | American Express Go |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | US only |
| International Fees | Moderate |
Example: If I want to make a $200 purchase online, American Express Go will approve the transaction if the virtual card’s limit is sufficient.
6. Skrill
Overview: Skrill is an online wallet service that provides virtual credit cards. It’s a solid choice for international transactions and supports multiple currencies.
Key Features:
- Virtual prepaid cards for online use.
- Instant card creation.
- Supports numerous currencies.
Pros:
- No monthly fees for basic services.
- Secure online transactions.
Cons:
- Limited in some countries.
| Feature | Skrill |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | Multi-currency |
| International Fees | Moderate |
Example: With Skrill, if I need to shop in Euros, I can easily load my card and make a transaction without worrying about currency exchange fees.
7. Chime
Overview: Chime is another popular fintech company that offers virtual credit cards as part of its digital banking services. They’re known for their simplicity and ease of use.
Key Features:
- Virtual card linked to your Chime account.
- No hidden fees.
- Real-time alerts for transactions.
Pros:
- Simple, transparent service.
- No monthly or maintenance fees.
Cons:
- Limited to U.S. residents.
| Feature | Chime |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | US only |
| International Fees | Moderate |
Example: If I use my Chime virtual card to make an online purchase of $50, I’ll receive an immediate notification and can track my spending instantly.
8. Square (Cash App)
Overview: Square’s Cash App offers a convenient virtual credit card option. It’s well-suited for users who already use Cash App for payments and transfers.
Key Features:
- Virtual cards linked to your Cash App account.
- Instant transactions.
- No fees for basic services.
Pros:
- Easy integration with Cash App account.
- Low fees for domestic transactions.
Cons:
- Limited availability outside the U.S.
| Feature | Square (Cash App) |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | US only |
| International Fees | Moderate |
Example: I can create a virtual card in Cash App and use it for an online purchase of $60, with no additional fees for domestic purchases.
9. Curve
Overview: Curve is a versatile app that allows you to link all your credit and debit cards to one virtual card. It’s ideal for people who want to consolidate their finances.
Key Features:
- One virtual card for all linked accounts.
- Instant virtual card creation.
- Cashback rewards on some transactions.
Pros:
- Consolidates multiple cards into one.
- Cashback options.
Cons:
- Limited availability outside Europe.
| Feature | Curve |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | Multi-currency |
| International Fees | Low |
Example: I use my Curve virtual card to make a purchase of €100, and I can switch to a different funding source if needed.
10. Bunq
Overview: Bunq is an online bank that provides virtual credit cards with advanced security features. It’s perfect for those who want a more traditional banking experience combined with virtual card flexibility.
Key Features:
- Virtual cards linked to Bunq accounts.
- Ability to set specific transaction limits.
- Excellent app for managing finances.
Pros:
- High level of customization.
- Secure and reliable.
Cons:
- Monthly fees for certain plans.
| Feature | Bunq |
|---|---|
| Card Creation | Instant |
| Spending Limits | Yes |
| Currency Support | Multi-currency |
| International Fees | Moderate |
Example: If I have €200 in my Bunq account, I can set a limit on my virtual card for purchases, ensuring I don’t overspend.
Conclusion
Choosing the right virtual credit card provider depends on your specific needs. I recommend considering factors like availability in your region, transaction fees, and the level of control you want over your spending. Whether you’re an international shopper, a business owner, or just someone who values privacy, there’s a virtual credit card service that can cater to your needs.
By using one of these top 10 providers, I’ve been able to manage my online payments with ease and confidence, knowing that I have an extra layer of security protecting my finances. Each provider offers something unique, so take your time to explore the options and choose the one that aligns best with your lifestyle and financial habits.
