13 Best FREE Virtual Credit Card/Debit Cards in USA (2023)

By : Matthew Martin Matthew Martin
Hours Updated

Virtual Card providers help you to get the computer-generated credit/debit card (not physical plastic cards). They enables you to make purchases online without inputting your original card number.

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. Read more…

Best US Virtual Credit/Debit Cards Online

Name SetUp Fee Cashback Link
Ramp
Ramp		 Free Unlimited Virtual Cards + Physical Card 1.5% Cashback Learn More
Wise
Wise		 Free Account Opening. Available in 30+ countries 1% Cashback Learn More
US Unlocked
US Unlocked		 Free. Valid for Residents of Non-USA countries NA Learn More
IronVest
IronVest		 Free Account Setup 1% Cashback Learn More
Emburse
Emburse		 Free Account Setup 1% Cashback Learn More

1) 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

#1 Top Pick
Ramp
Ramp
5.0

Currencies Supports: USD

Security: AES-256

Set Spend Limit: Yes

Set Charge Limit: Yes

Visit Ramp

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 >>

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.

#2
Wise
Wise
4.9

Currencies Supports: USD and INR

Security: AES-256

Set Spend Limit: Yes

Set Charge Limit: Yes

Visit Wise

Features:

  • 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) 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..

#3
US Unlocked
US Unlocked
4.8

Currencies Supports: USD

Security: 128-bit

Set Spend Limit: Yes

Set Charge Limit: Yes

Visit US Unlocked

Features:

  • 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 >>

4) IronVest

IronVest 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.

#4
IronVest
IronVest
4.7

Currencies Supports: USD

Security: 256-bit AES

Set Spend Limit: Yes

Set Charge Limit: Yes

Visit IronVest

Features:

  • IronVest 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 IronVest >>

5) 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.

Emburse

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

Visit Emburse >>

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.

Divvy

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

Visit Divvy >>

7) 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.

Airtm

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 >>

8) 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.

Advcash

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 >>

9) Wallester

Wallester 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.

Wallester

Features:

  • 300 virtual cards for FREE
  • Instant issuance of an unlimited amount of cards
  • No card issuance fee, no card service fee
  • European BINs works perfectly with facebook, google, etc
  • User-friendly app that allows you to monitor expenses, approve transactions and generate reports on the go
  • Provides an API
  • Possibility to purchase a personal BIN
  • Fast registration and standard KYC, approval within 24 hours
  • Detailed reporting and analytics to track all transactions
  • Supported currencies: EUR, USD, GBP
  • Supported Platforms: Web, IOS & Andriod

Visit Wallester >>

10) 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.

American Express Go

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/

11) 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.

Netspend

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/

12) 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.

Bento

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/

13) 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.

ePayService

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.
  • This virtual credit card usa 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, including instant virtual debit card free services.
  • 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

What is a Virtual Prepaid Card

A virtual prepaid card means an electronically produced and delivered card. These cards are not actual plastic cards, instead, they are arbitrarily generated credit card numbers based on the user’s existing account. However, most providers offer physical cards along with digital ones.

The virtual prepaid cards either provide services for free, or you may require to pay only for transactions, or they come with a small subscription fee. You can use the free virtual card with money almost everywhere instead of using your real credit or debit card.

This keeps you safe from theft and other fraudulent activities. Many companies provide free virtual cards to their employees to make business purchases, as this helps them track transaction records, set card limits, and remove reimbursement issues.

You can use Ramp, Wise, US Unlocked, and Ironvest, as they are some of the best free virtual debit cards in the USA, as per our review.

How Do I Use a Virtual Prepaid Card?

The Virtual debit cards can be used both with or without a physical card. You can use virtual payment cards just as the usual credit or debit cards. For any transaction, you will have to provide its 16-digit number, enter CVV, and the expiry date.

Here are some of the ways how you can use these virtual prepaid cards:

  • Online shopping: Just like your personal debit card, you can use the virtual card for any kind of online shopping.
  • Instore: Most of the free credit cards online are accepted in stores. Hence, you can also use them while shopping at physical stores.
  • Money transfer: It lets you connect to your e-wallet like PayPal and transfer money directly to your bank account or other e-wallets.
  • Withdrawal: Some of these virtual cards are also accepted in ATMs, thus, you can use such cards for withdrawing cash.
  • International transaction: International virtual cards allow you to make online payments in multiple currencies.

Can I Buy Virtual Payment Cards Online?

Yes, you can purchase and get an instant virtual debit card online. The complete process for purchasing a virtual prepaid card is carried out online, thus, there are no tedious processes like paper documents, and you can also get them free of cost.

To sign up for a free credit card online, you must provide your personal details and go through a mandatory verification method called “Know Your Customer”. After successfully completing it, the provider verifies your details and sends you an instant virtual credit card that you can use for all types of purchases.

To buy a virtual credit card in the USA, you must follow the same process mentioned above. According to our review, Ramp and Wise are some of the best free virtual payment cards in the US.

FAQ

Virtual Cards are computer-generated credit card (not physical plastic cards). It enables you to make purchases online without inputting your original card number. These cards provides fraud protection and auto management on spent limits.

Below are some of the best Virtual credit cards in US:

Yes, you can create free virtual credit cards with money that become automatically disabled after completing one transaction. These cards are helpful when dealing with nontrustworthy sites that charge you recurring fees without your knowledge.

Yes, you can create virtual cards with different transaction limits of your choice.

Yes, if you have you use a virtual card in-store, you can simply show the cashier your credit card from the website of virtual card provider.

Yes, you can transfer money from a virtual card.

A Virtual credit card works almost the same as a normal credit card, but it offers additional security. It is a temporary and randomly generated 16-digit card number that you can use while making online payments. This 16-digit number is linked to your credit card, which makes it hard to commit fraud. You just need to enter your virtual credit card number instead of your regular credit card number, and the further process is the same.

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
  • IronVest
  • Wallester
  • Airtm
  • Advcash
  • Bento

Best Online Virtual Prepaid Credit Card & Debit Cards in USA

Name SetUp Fee Cashback Link
Ramp
Ramp		 Free Unlimited Virtual Cards + Physical Card 1.5% Cashback Learn More
Wise
Wise		 Free Account Opening. Available in 30+ countries 1% Cashback Learn More
US Unlocked
US Unlocked		 Free. Valid for Residents of Non-USA countries NA Learn More
IronVest
IronVest		 Free Account Setup 1% Cashback Learn More
Emburse
Emburse		 Free Account Setup 1% Cashback Learn More
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