Top 10 Virtual Credit Card Providers

Looking for virtual credit card providers? Check out these top 10 options for secure transactions online.

Virtual credit cards offer a convenient and safe way to make purchases on the internet without sharing your actual card details. Many providers offer various features, such as one-time use cards, customizable spending limits, and easy account management. Here are the top 10 virtual credit card providers that can help you shop online securely:

Top 10 Virtual Credit Card Providers


Divvy is a top virtual credit card provider offering secure payment solutions for businesses worldwide. Its user-friendly platform and customizable features make it a preferred choice among businesses looking for hassle-free expense management solutions.


Divvy offers a seamless virtual credit card solution catering to businesses of all sizes. With its user-friendly interface and robust features, Divvy stands out as a top-tier virtual credit card provider in the market.

  • Streamlined Expense Management:
  • Divvy simplifies expense tracking and management through its intuitive platform, allowing users to categorize expenses effortlessly.
  • Customizable Spending Limits:
  • Users can set specific spending limits for each virtual credit card, providing greater control and security over business expenses.
  • Real-time Reporting and Insights:
  • Divvy provides real-time insights and reporting, empowering businesses to make informed financial decisions and optimize their spending strategies.
  • Integrated Budgeting Tools:
  • The platform integrates advanced budgeting tools, enabling businesses to allocate funds strategically and monitor expenditures effectively.

With its emphasis on user empowerment and financial efficiency, Divvy offers an exceptional virtual credit card solution that aligns with the evolving needs of modern businesses.


Revolut is a leading virtual credit card provider that offers top-notch security and convenient online transactions. Their innovative technology ensures a seamless experience for customers seeking virtual credit card solutions.


Revolut is a leading virtual credit card provider that offers a range of innovative features to enhance your banking experience. With a user-friendly mobile app and a host of beneficial services, Revolut sets itself apart from traditional banks. Here’s what makes Revolut a top choice for virtual credit cards:

  • Global Payments: Revolut allows you to make easy and seamless payments in multiple currencies, without the need for currency conversion fees. With built-in exchange rate tracking, you can instantly see how much you’re spending in your local currency.
  • Virtual and Physical Cards: In addition to a virtual card for online transactions, Revolut also offers physical cards that you can use for in-store purchases. This gives you flexibility and convenience when it comes to making payments.
  • Security: Revolut takes security seriously with features like transaction alerts, card freezing, and the ability to set spending limits. Your financial information is protected, providing you with peace of mind while making transactions.
  • Budgeting Tools: Stay on top of your finances with Revolut’s budgeting tools. Set spending limits, categorize expenses, and receive real-time notifications to help you manage your money effectively.
  • Savings Vaults: Revolut also offers savings vaults, allowing you to set aside money for specific goals or emergencies. You can round up purchases and automatically save the spare change, making it easier to save without even thinking about it.
  • Cryptocurrency Support: For those interested in cryptocurrencies, Revolut provides the ability to buy, sell, and hold digital currencies directly within the app. This allows you to easily diversify your assets and stay on top of the crypto market.
  • Rewards and Perks: With Revolut, you can unlock exclusive rewards and perks from various partners. This can include discounts on travel, dining, and more, providing added value to your banking experience.
  • User-Friendly Interface: The Revolut mobile app features an intuitive and user-friendly interface, making it easy to navigate and access various features. Whether you’re managing your transactions, setting up budgets, or exploring your cryptocurrency investments, Revolut offers a seamless experience.
  • 24/7 Customer Support: Revolut provides round-the-clock customer support through its in-app chat feature. Whenever you have a question or encounter an issue, help is just a message away.
  • Flexibility and Convenience: Revolut offers a range of additional services, including international money transfers, peer-to-peer payments, and expense tracking. This makes it a one-stop shop for all your banking needs.

Revolut’s comprehensive features, user-friendly interface, and dedication to customer satisfaction make it a top choice for virtual credit card solutions. Whether you’re a frequent traveler, a cryptocurrency enthusiast, or simply looking for a more streamlined banking experience, Revolut has you covered.

So, why settle for ordinary when you can experience the convenience and flexibility of Revolut’s virtual credit card services? Join the millions of satisfied customers and unlock a world of possibilities with Revolut.


Cardvcc is one of the top 10 virtual credit card providers, offering secure and convenient online payment solutions. With Cardvcc, you can easily make purchases without sharing your personal credit card information, ensuring peace of mind and protecting your identity online.



Cardvcc is a virtual credit card provider that offers secure and convenient online payment solutions for users worldwide.

  • Allows users to generate virtual credit cards instantly for online transactions.
  • Offers protection against fraud and unauthorized purchases.
  • Provides flexibility in managing spending limits and usage restrictions.


  • Seamless integration with popular e-commerce platforms.
  • Provides an extra layer of security for online purchases.
  • Offers anonymity and privacy for online transactions.


  • Instant card generation with customizable spending limits.
  • Compatibility with major online retailers and payment gateways.
  • User-friendly interface for easy navigation and management of virtual credit cards.

Cardvcc offers virtual credit cards (VCCs) for personal use. They charge a small fee per VCC but provide a smooth service, refunds for unused card balances, and a money-back guarantee if there’s an issue. Cardvcc is widely accepted internationally with multiple currencies and easy reloading options. They also offer various customer support channels for assistance. For any assistance or issues, support is accessible via email, live chat, messenger, telegram, and Skype.


Stripe is a renowned virtual credit card provider offering seamless and secure payment solutions for online transactions. It empowers businesses with advanced payment processing features, making it a top choice for virtual credit card services. With its user-friendly interface and robust security measures, Stripe ensures a smooth and reliable payment experience for both businesses and customers.


Stripe is a renowned virtual credit card provider that has gained popularity for its robust features and user-friendly interface. It offers seamless payment solutions for businesses of all sizes, enabling them to accept and process payments securely online. With Stripe, you can enjoy various benefits and functionalities that make it a top choice among virtual credit card providers.

  • Easy Integration: Stripe provides simple integration options, allowing businesses to set up virtual credit card payment capabilities quickly. Its API documentation and developer tools are comprehensive and user-friendly, ensuring a smooth integration process.
  • Global Reach: With Stripe, you can expand your business globally and accept payments from customers in over 135 currencies. This opens up opportunities to reach a wider customer base and increase international sales.
  • Secure Transactions: Stripe prioritizes security and ensures that every transaction is processed with the highest level of protection. It utilizes advanced encryption techniques to safeguard sensitive customer data and offers built-in fraud prevention tools.
  • Subscription Billing: If your business relies on recurring revenue models, Stripe’s subscription billing feature is a game-changer. It simplifies the management of subscription plans, automates billing, and handles subscription-related tasks efficiently.
  • Customizability: Stripe allows businesses to customize their virtual credit card payment flows to match their brand identity seamlessly. You can create a unique payment experience that aligns with your website or app design.
  • Developer-friendly: Developers love Stripe for its extensive documentation, robust APIs, and straightforward implementation process. It offers various development libraries and SDKs for different programming languages, making it easy to integrate Stripe into your preferred technology stack.
  • Reporting and Analytics: Stripe provides detailed reporting and analytics tools that help businesses gain valuable insights into their payment activities. You can monitor sales, track trends, and make informed business decisions using Stripe’s comprehensive data analysis features.
  • Recurring Payments: With Stripe’s recurring payments functionality, businesses can effortlessly collect recurring payments from customers. This is particularly useful for businesses that offer membership subscriptions, software-as-a-service (SaaS) plans, or any other recurring payment model.
  • Mobile Payments: Stripe offers mobile payment solutions that enable businesses to accept payments through mobile devices, enhancing the overall customer experience. It supports both iOS and Android platforms, making it convenient for customers to pay using their preferred devices.
  • Excellent Customer Support: Stripe has a reputation for providing excellent customer support. Their support team is responsive, knowledgeable, and readily available to assist with any queries or issues you may encounter.

Stripe is a top-tier virtual credit card provider that offers an array of features, seamless integrations, and robust security measures. Whether you have an online store, a subscription-based service, or any other type of business, Stripe can streamline your payment processes and contribute to your overall success.


Payoneer is a top virtual credit card provider trusted by businesses worldwide for secure online transactions and global payments. With Payoneer, businesses can easily manage their finances and streamline cross-border transactions with ease.


Payoneer is a leading virtual credit card provider that offers a range of secure and convenient payment solutions. With its global presence and user-friendly platform, Payoneer is a popular choice for individuals and businesses looking for reliable and efficient virtual credit card services.

  • Global Reach: Payoneer allows customers to transact in over 150 currencies across 200 countries, making it an ideal choice for international businesses and freelancers.
  • Easy Account Setup: Setting up a Payoneer account is quick and hassle-free. Users can easily create an account online and start using their virtual credit card within minutes.
  • Secure Payments: Payoneer employs advanced security measures to ensure that transactions are safe and secure. Their multi-factor authentication and encryption technology provide peace of mind to users.
  • Flexible Withdrawal Options: Payoneer offers multiple withdrawal methods, including bank transfers, local currency transfers, and ATM withdrawals, giving users the flexibility to access their funds conveniently.
  • Competitive Fees: Payoneer offers competitive fees for its services, with transparent pricing and no hidden charges. Users can easily track and manage their expenses with detailed transaction reports.
  • Integration with Leading Marketplaces: Payoneer has partnerships with major e-commerce platforms and marketplaces like Amazon, eBay, and Airbnb, allowing users to receive and make payments seamlessly.
  • Responsive Customer Support: Payoneer provides excellent customer support through phone, email, and live chat. Their dedicated support team is available 24/7 to address any questions or concerns.
  • Mobile App: Payoneer’s mobile app allows users to manage their virtual credit cards and view transactions on the go. The app provides a user-friendly interface and offers additional features like currency conversion tools.
  • Enhanced Transaction Controls: Payoneer lets users set transaction limits and customize spending rules to ensure better control over their virtual credit card usage.
  • High Level of Trust: Payoneer has built a strong reputation in the industry, trusted by millions of users worldwide. Their reliable services and commitment to customer satisfaction have earned them a loyal customer base.

Payoneer offers a robust virtual credit card solution with its global reach, easy setup, secure payments, flexible withdrawal options, competitive fees, integration with leading marketplaces, responsive customer support, mobile app, enhanced transaction controls, and high level of trust. Whether you are a freelancer, an e-commerce seller, or a business owner, Payoneer provides the convenience and reliability you need for your virtual credit card transactions.

American Express

American Express is a leading virtual credit card provider known for its robust security measures and seamless payment process. With a wide range of benefits and worldwide acceptance, American Express stands out among the top 10 virtual credit card providers.

American Express

American Express provides a range of virtual credit card options that cater to different business and personal needs. Whether you are looking for secure online transactions or simplified expense management, American Express offers reliable solutions. Here’s a breakdown of the key features and benefits:

  • Enhanced Security: American Express virtual credit cards come with robust security measures to protect against unauthorized transactions and fraud.
  • Expense Management: Users can easily track and manage expenses by setting individual spending limits and tracking transactions in real time.
  • Global Acceptance: American Express virtual cards are widely accepted, providing flexibility for both domestic and international transactions.
  • Customizable Solutions: The platform offers customizable virtual card solutions tailored to specific business requirements.

Us Unlocked

US Unlocked is one of the top 10 virtual credit card providers, offering a seamless online shopping experience with secure and easy-to-use virtual credit cards. Shop globally and enjoy the freedom of borderless shopping with US Unlocked.

Us Unlocked

If you’re looking for a reliable virtual credit card provider in the US, look no further than US Unlocked. Offering a range of advantages and features, US Unlocked is a top choice for those seeking a secure and convenient way to make online purchases.

Why Choose Us Unlocked?

  • Accessibility: With US Unlocked, you can easily access US-based merchant websites and enjoy the vast selection of products and services they offer.
  • Security: US Unlocked ensures your personal and financial information is protected with advanced security measures, giving you peace of mind when making online transactions.
  • Flexibility: The virtual credit card provided by US Unlocked allows you to shop at any US online store, regardless of your location, giving you the freedom to purchase items that may not be available in your country.
  • Convenience: US Unlocked offers a user-friendly interface that simplifies the process of creating and managing your virtual credit card, allowing for hassle-free online shopping experiences.
  • Compatibility: US Unlocked works seamlessly with popular online merchants, making it compatible with a wide range of websites, including retail, fashion, electronics, and more.

How Does Us Unlocked Work?

  • Step 1: Sign up for a US Unlocked account and provide the necessary personal information for verification purposes.
  • Step 2: Load funds onto your virtual credit card using various payment methods, such as credit cards, bank transfers, or Bitcoin.
  • Step 3: Receive a US billing address from US Unlocked that you can use for shipping purposes.
  • Step 4: Start shopping! Simply enter your US Unlocked virtual credit card details during the checkout process to complete your purchase.

Benefits Of Using Us Unlocked:

  • Access to exclusive US-based deals and discounts.
  • Ability to bypass international shipping restrictions.
  • Enhanced privacy and protection by keeping your real payment information hidden.
  • Easy tracking of spending and transactions through the US Unlocked online portal.

Please note that the information provided is subject to change. It’s always best to visit the US Unlocked website for the most up-to-date details on their services and offerings.


Ranked among the top 10 virtual credit card providers, Citi offers secure and convenient digital payment solutions. With its virtual card feature, Citi ensures safe online transactions without compromising on financial security.

  • Citi is a global financial services company that offers virtual credit cards with advanced security features.
  • The virtual credit cards provided by Citi are designed to protect users against fraud and unauthorized transactions.
  • Users can easily generate virtual credit card numbers for online purchases and subscriptions, adding an extra layer of security to their transactions.
  • Virtual credit cards from Citi can be used for one-time purchases or set up for recurring payments, providing flexibility and convenience to users.
  • Citi’s virtual credit cards are integrated with their online banking platform, allowing users to manage their virtual card transactions seamlessly.


Penny is one of the top 10 virtual credit card providers, offering secure and convenient online payment solutions. With its user-friendly interface and robust security features, Penny provides peace of mind for consumers looking for safe and reliable virtual credit card services.


Penny is a virtual credit card provider that offers a range of benefits for users looking for secure and convenient online transactions. Here’s what sets Penny apart:

  • Security: Penny prioritizes the security of its users by providing virtual card numbers that are separate from the user’s actual credit card details. This helps prevent fraud and unauthorized transactions.
  • Flexibility: With Penny, users can create multiple virtual cards with specific spending limits and expiration dates, allowing for greater control over their online purchases.
  • Cost-effective: The platform typically charges lower fees compared to traditional credit cards, making it an attractive option for budget-conscious users.
  • Convenience: Penny’s seamless integration with various online platforms makes it easy for users to generate virtual cards on the go, streamlining the payment process.
  • Global acceptance: Users can use Penny’s virtual cards for both domestic and international transactions, providing a convenient solution for cross-border online shopping.

Penny delivers a secure, flexible, cost-effective, and convenient virtual credit card solution, making it a top choice for users seeking enhanced online transaction security and control.


Discover the top 10 virtual credit card providers that prioritize privacy, offering secure and convenient payment options for online transactions. Protect your personal information and enjoy peace of mind while shopping online with these trusted virtual credit card providers.


When considering virtual credit card providers, protecting your privacy is essential. Here are some key aspects to take into account before choosing a virtual credit card provider:

  • User Data Protection:
  • Look for a provider that guarantees secure storage and encryption of personal and transactional data, ensuring your information remains confidential.
  • Anonymity:
  • Seek a service that offers anonymous transactions, preventing your details from being shared during purchases.
  • No Tracking:
  • Opt for a provider that does not track your spending habits or web activity to maintain your privacy and data confidentiality.
  • Secure Authentication:
  • Ensure the virtual credit card provider offers strong authentication protocols to safeguard your account and prevent unauthorized access.

Privacy remains a top priority for virtual credit card users, and selecting a provider with robust privacy measures is crucial for a secure and confidential user experience.

Frequently Asked Questions For Top 10 Virtual Credit Card Providers

What Are Virtual Credit Cards?

Virtual credit cards are online payment cards that are associated with personal credit or debit cards. They provide a secure way to make online transactions without exposing sensitive personal information.

How Do Virtual Credit Cards Work?

Virtual credit cards work by generating a unique card number for each transaction. These card numbers are linked to the user’s primary credit or debit card, providing an extra layer of security for online purchases.

Are Virtual Credit Cards Safe To Use?

Yes, virtual credit cards offer enhanced security for online transactions. Since they are not physical cards and are used for a single transaction, the risk of fraud and unauthorized charges is significantly reduced. They are a safe option for online shopping.

Can Virtual Credit Cards Be Used For Recurring Payments?

Virtual credit cards are not typically designed for recurring payments, as they are often used for one-time purchases. However, some providers may offer options for recurring transactions, so it’s essential to check with the specific provider.


To sum up, the top 10 virtual credit card providers we’ve explored offer a range of options to meet your specific needs. Each provider brings something unique to the table, whether it’s superior security features, competitive rates, or user-friendly interfaces.

By leveraging virtual credit cards, you can enjoy hassle-free online transactions while ensuring your financial information remains protected. Choose the provider that aligns with your priorities and take advantage of the convenience and security virtual credit cards offer.