Best Virtual Credit/Debit Cards
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Compare the Top Virtual Credit/Debit Cards as of April 2026
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What are Virtual Credit/Debit Cards?
Virtual credit and debit cards are digital versions of physical credit and debit cards. Virtual credit/debit cards function just like a traditional physical credit or debit card, but the cards are digital and online only, so there is no physical copy of the card. Virtual credit and debit cards are useful for companies that want to track spending, and gain extra security from one-time use card numbers. Compare and read user reviews of the best Virtual Credit/Debit Cards currently available using the table below. This list is updated regularly.
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1
Wallester
Wallester
Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control.Starting Price: $0 -
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Expensya
Expensya
Expensya is a solution that transforms spend management. Expensya users can manage and process any type of expense: online purchases, general costs, expense reports, remote work, Per Diems, mileage expenses, and more. Thanks to its across-the-board features and expertise, Expensya currently supports more than 5000 companies and provides a comprehensive solution to its users, for flawless end-to-end management of all business spends. Expensya also integrates with your bank cards, your HR system, your ERP, your accounting system, and your Travel manager. Expensya automates every step of the process, saving time and increasing your team's productivity Our vision is to give the most complete, intuitive, and scalable solution.Starting Price: $5.91/month/user (annually) -
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BILL
BILL
BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.Starting Price: $45 per user per month -
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Expensify
Expensify
Track expenses, pay bills, generate invoices, collect payments, plan trips, and manage company credit cards. All of your preaccounting, in one app. Expense Management - Snap a photo of a receipt with SmartScan for easy expense reporting, approval, next-day reimbursement, and syncing with accounting software. Expensify Card - Get the best business credit card for even faster expense reporting making corporate card reconciliation and expenses a breeze, and it’s free. Bill Pay - Send your vendor bills to Expensify for automatic tracking, approval, and payment. Invoices - Create and send invoices, while collecting payments and syncing automatically to your accounting package. Travel - Book flights, hotels, and cars simply by chatting with Concierge, your personal trip planner. Personal Payments - Split bills, request payments, and chat with friends. Give it a go at Expensify.cash!Starting Price: $5.00/month/user -
5
Airbase
Paylocity
Airbase is the top-ranked modern spend management platform for businesses with 100-5,000 employees. It’s the best way to control spending, close the books faster, and manage financial risk. Airbase software combines accounts payable automation, expense management, and corporate cards. It guides procurement for all purchases — from initial requests to payment and reconciliation. Bring efficiency to complex business processes and accounting needs like multi-subsidiaries and purchase orders. Flexible intake and approval workflows ensure multi-stakeholder oversight and a culture of spend compliance. Airbase integrates with your other business systems and seamlessly syncs to general ledgers. Employees and accounting teams love using Airbase. -
6
Brex
Brex
Financial software and services to fuel your growth. Brex lets you send free ACH and wires worldwide, get higher card limits, earn money-saving rewards, and track expenses easily. Built for the ones who do things differently. Scale faster by combining your deposits, spend and controls in one account. That’s the power of all-in-one finance. From employee purchases to paying vendors to accounting, expense tracking is built right in. Email or text us your receipts. We'll match them to the right expenses. Easily sync expense data across systems to automate reconciliation. Run custom spend reports to easily find cost-saving opportunities. Issue cards, search transactions, approve or follow up, and more—in one place. Create unique cards with custom limits for each subscription, vendor, and employee. All for free. Set custom limits and give users approved ways to spend for specific items, such as training or WFH snacks.Starting Price: $5 one-time payment -
7
Joompay
Joompay
With Joompay you can: • Get a virtual debit card for free and use it for safe and secure online shopping. We also support both Google Pay in case you want to add Joompay card to your wallet. • Order our card in plastic. We had so many enquiries about our card in plastic, we could not leave them unanswered! You can pre-order your plastic card now in one of our 3 beautiful colors: alpaca-white, narwhal-blue, flamingo-pink • Enjoy our special offers on shopping. That's why we have an outstanding 5% cashback from your Joom purchases! You will also receive a €10 bonus if your first purchase on Joom costs more than €10. Check our app for more offers available. Limited time only! • Get notified about any activity on your account. Every time you send or receive a transfer, you'll get an instant push notification. You will never miss out on your money moves! • Feel safe and secure. Lost your plastic card? Freeze it right in the app. Found it in your bag? Unfreeze it right away.Starting Price: $0 -
8
Pay2.House
Pay2.House
Pay2.House is a payment infrastructure that simplifies and accelerates the management of advertising expenses, transfers, and financial operations within digital teams. The platform offers a multi-currency wallet (USD, EUR, USDT) with instant top-ups via USDT (TRC20), Capitalist, and SWIFT - all without hidden fees. Users can issue and manage unlimited virtual cards that work with Apple Pay and Google Pay, making them ideal for launching ads on Facebook, Google, TikTok, and covering subscriptions, proxy services, AI tools, and cloud platforms. Cards are issued instantly with just two clicks, allowing teams to scale fast and manage expenses with full transparency. Internal transfers between accounts are free and real-time, streamlining collaboration between buyers, managers, and financial leads. A flat $5 fee per card and $0.25 per transaction makes Pay2.House one of the most affordable solutions on the market.Starting Price: $5 -
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Payhawk
Payhawk
Payhawk is one of the leading spend management solutions for domestic and international businesses throughout Europe, the US, and the UK. Combining company cards, reimbursable expenses, accounts payable, and seamless accounting software integrations into a single product, Payhawk makes business payments easy — for everyone. Payhawk helps customers in over 32 countries to maximise efficiency, control spending at scale, and stay agile. With offices in London, Berlin, Barcelona, Paris, Amsterdam, Vilnius, Sofia, and New York, Payhawk’s diverse customer base includes top names like LuxAir, Babbel, Vinted, Wallbox and Wagestream. -
10
Mercury
Mercury
Mercury makes bank accounts that help tech companies scale. Open FDIC-insured bank accounts that come with API access, virtual cards, team management, and a lot more. Make efficient decisions in real time with cashflow analytics, programmatic payments, instant runway estimates, and more. Tap into Silicon Valley’s core. Our network and expertise are always at your disposal. Send money with three clicks by wire, check, or ACH. See where you’re making and spending money in real time. Control what features employees can access. Find any transaction you’ve ever made in seconds. Keep secure with fluent 2-factor authentication and full activity logs. Connect to Gusto, Stripe, Quickbooks, and other tools in your financial stack. -
11
LuckyCards
LuckyCards
LuckyCards is a virtual card infrastructure built for performance marketing teams that need reliable, scalable payment solutions without hidden fees eating into their margins. Designed for media buyers running campaigns across Facebook, Google, TikTok, and other ad platforms, LuckyCards eliminates the operational overhead of payment failures, account bans, and opaque billing. Key capabilities: - 25+ exclusive BINs across USA, Europe, and Asia — with local trust for any GEO, reducing account bans caused by flagged BIN pools - >90% card binding success rate to any ad platform, ensuring campaigns run without interruption - Transparent pricing — 4% top-up fee, $1.5 card issuance, zero fees on successful transactions, card maintenance, and account-to-card transfers - Multi-currency support — 5 GEOs, 3 currencies (USD, EUR, and more)Starting Price: 0$ per 100 cards -
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Haslle
Haslle
Haslle, Spending Management Solution for Smart Teams. Haslle helps you manage company budgets, purchases and subscriptions using smart payment cards collaboratively with your team. Get a Virtual Bank Account for Spending. Approve Budgets, Purchases, Invoices and Subscriptions. Issue virtual and physical cards and control purchase process. Collect Data, Receipts and Invoices. Boost Analytics and Decision Making. Integration with your Accounting and ERP. Approvals on the go. Easily approve company budgets, purchases, payments, invoices and subscriptions, using data at the touch of your fingertips. Empower Your Teams while staying in control. Have your teams make better decisions and improve what you purchase over time. Choose vendors and aggregate invoices to get better discounts between departments. Smart Company Cards that track Expenses make chasing receipts a thing of the past.Starting Price: $200 per user, per month -
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B4B Payments
B4B Payments
Smart and savvy businesses save time, money, and hassle with our end-to-end card issuing and payment solutions. Issue as many cards as you need, ten or tens of thousands, delivered directly to the cardholder, to you, or virtually. Whoever you need to get funds to, take control of your spending with our card management platform. Simplify and streamline your expense, surprise, and delight with rewards and incentives or make secure cash payouts on a card. Our scalable payment solution is a convenient, cost-effective way to manage high volumes of local and international payments, with low-cost foreign exchange rates and no hidden fees. We offer everything you need to manage all your business payments in a single powerful platform. Bring your innovative payment or card proposition to market fast and without hassle, with access to our regulatory permissions, scheme licenses, product expertise, and industry partnerships.Starting Price: Free -
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Equals Money
Equals Money
Take control of your business expenses with Equals Money cards to use around the world and monitor spending in real time. With a deep understanding of your industry, dedicated service, and a flexible product offering, the enterprise model fits your unique requirements. Empower your teams to spend around the world, wherever they’re working, while you stay in control of balances and permissions. Set permissions based on team roles, manage balances, and order cards for new staff, all in a matter of clicks. Cards can be used in over 190 countries at 35 million locations, so your team can spend securely wherever they’re needed. Save on the fees that come with using credit cards overseas and wave goodbye to discovering hidden charges when working through expenses. Your team can earn up to 3.5% cashback at major UK retailers that will automatically be credited to your business’s account. Make global business payments to suppliers, partners, staff, and clients.Starting Price: $62.83 per year -
15
Elibrium
Elibrium
Elibrium is a cloud-based financial spend management platform focused on virtual corporate cards and real-time control of business expenses, enabling companies to issue unlimited virtual Visa cards for campaigns, teams, or purposes with customizable spending limits by user, category, amount, or timeframe, and gain real-time visibility and reporting on all transactions. It lets users create multiple internal accounts, transfer funds instantly between them, and link cards to accounts so every dollar spent is tracked and isolated, helping prevent overspend and maintain budget discipline. Its API lets businesses integrate card operations and payment data into existing systems, automate approvals and reconciliation, and build custom workflows or dashboards for finance and BI teams. Elibrium also supports team organization with departments and permissions, granular controls to enforce corporate policies, and transaction metadata that improves reconciliation accuracy.Starting Price: $500 per month -
16
Extend
Extend
A simple, powerful tool for your existing business credit card. Instantly create secure virtual cards for employees, projects and vendors. The Extend App is the most convenient and secure way to send virtual credit cards to your network. Build the products of tomorrow. API enables developers with powerful virtual credit card capabilities. Leveraging Extend APIs, a leading online lender has partnered with a destination resort to offer additional payment options to guests. From upgrades to enhanced experiences, guests have an efficient and convenient payment option with access to an immediate, flexible term loan offering. Use our APIs to create new products for payment, lending, and more. An innovative insurtech utilizes Extend APIs to optimize payment operations. They’ve eliminated cash flow issues for doctors and benefit from automated reconciliation and credit card incentives. -
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KAPED
KAPED
KAPED is the only service provider offering everything you need to run your credit card business under one umbrella, use all or only what you need. Prevent erroneous applications from being sent to your underwriters. Offer cashback, crypto, travel rewards, and discounts +more! Card issuance, transaction data, & portfolio monitoring. Automate customer service and collections. The ultimate reporting tool to track and monitor the flow of funds. Approve applications faster by setting your parameters. Use our proprietary profit calculator to view how much your revenue will increase. KAPED takes care of the collections & customer service under your brand. Earn on interchange, cashback, and cardholder fees. See pricing for more info. Give your clients a no-penalty LOC and allow them to carry a balance. Issue cards in the US, UK, Canada, Mexico, & Brazil. KAPED is a financial technology company, not a bank. Use our technology to issue branded credit cards in 5 days or less.Starting Price: $100 -
18
Spendesk
Spendesk
Spendesk is the all-in-one company spending solution that delivers more control, visibility, and automation to today's finance teams. Combine spend approvals, virtual cards, physical cards, expense reimbursements, and invoice management into one source of truth. Establish a request and approval process to increase spend accountability without blocking employees. Enable faster purchasing by giving every employee access to the funds they need in a safe and secure manner. Save time and avoid late fees on every supplier invoice by streamlining your AP process from purchase order to bank transfer. Eliminate double entry and save hours with custom exports to your favorite accounting systems. Empower finance and budget keepers to make timely and informed spending decisions with real-time reports of what's actually been spent. Automate admin & integrate your accounting. Monitor & optimize budgets in real-time. -
19
Stripe Corporate Card
Stripe
The corporate card for fast-growing companies. Stripe Corporate Card is the easiest way for all staff to manage their expenses. Provision cards instantly, manage your business expenses in real time and get credit increases as your business grows. Instead of dealing with complicated rewards programs, you'll get extra cashback based on the categories you spend the most on. It is the corporate card that we all want. All you need to sign up is a Stripe account, without any paperwork or personal guarantees. Get up and running in minutes with a virtual card. We use your banking and payment history to determine your credit limit. As your business grows, so does your line of credit. Upload your logo directly from the Dashboard so that your corporate card has the same style as your brand. Your cashback balance is automatically credited to your monthly bill, so you will never lose your rewards. There are no annual fees or fees for foreign transactions or late payment. -
20
Airwallex
Airwallex
Airwallex is the business account built for global businesses. Your account comes standard with features like multi-currency business accounts, so you can collect and hold money in over 11 currencies while avoiding double conversions. Issue virtual debit cards for you and your team in seconds. Transfer money internationally in up to 23 different currencies, without the excessive fees and transfer wait times. Integrate with our API to improve your platform product offering and scale your business. Invoice and accept payments from international customers in their preferred currency. Seamlessly connect your business accounts with popular platforms like Amazon, eBay, Shopify and PayPal. Pay out in the same currency, or convert and withdraw in USD using outstanding FX rates. Issue new virtual payment cards in seconds. Change spend limits and revoke access, all from our online platform. -
21
Railsr
Railsr
Making embedding finance into apps and customer journeys as simple as drag and drop. One platform to access a complete set of global financial capabilities. A super simple API for developers to embed global financial services directly into your app or customer journey. A global operations and license platform that processes billions of dollars annually to run your embedded financial services for you. Or if you have your own licenses and financial operations capabilities, these can be plugged in and you can use ours to scale to new geographies. Simple APIs to build and integrate any financial use-case into your own customer experience. You concentrate on product design, marketing, and engaging customers, we do all the rest. Instantly create single-use virtual debit cards to manage SaaS and other subscriptions like Netflix. Integrate wage advancing seamlessly into the payroll processes. -
22
Bond
Bond Financial Technologies, Inc.
Bond allows any company to become a fintech. With Bond, you can build financial services, from KYC to account opening, money movement to card issuance, and more — all in a single, unified platform. Automation has never looked so good. Watch as Bond's system of record, Bond OS, compiles program data into a beautiful series of graphs documenting revenue, active cards, usage and much more. Bond's APIs and SDKs give developers the tools to build innovative financial solutions with just a few lines of code. Explore a playground of possibilities. Offer your consumer or commercial customers banking products (savings accounts, debit cards, ACH, etc.) or credit products (charge cards, credit builder cards, asset-backed credit cards, etc.) - with physical or virtual cards. Contact us to get started in our sandbox or to speak to someone live. -
23
Mooncard
Mooncard
Entrust them securely by setting limits, merchants, hours of use etc. for each card. Spend only the money you have transferred to your Mooncard account. No direct debit is taken from your company's bank account. Free up the time spent managing expense reports for higher value-added tasks. Pay, your expense report is already filled in. The Mooncard card fills in all the data your financial department needs for its accounting for you. The information is taken from the bank transaction and is 100% reliable. Amount, VAT, proof, place, date. Our algorithms take care of everything. Thanks to your professional expenses, you accumulate Miles which are added to your Flying Blue account. So you extend the life of your Miles and you can go on vacation further. 7,000 welcome miles are offered per Mooncard Corporate card. 1 one way Air France in Europe in economy class from 6,000 Miles. -
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E6 TRITIUM
Episode Six
From top 50 global banks to fintechs, E6 gives you the infrastructure to quickly deliver industry-leading payments solutions and the flexibility to adapt in real-time. No matter the changing trends, you’ll be in the lead with our payment technology. Stop letting decades-old technology hold back 21st-century opportunity. TRITIUM, E6's powerful payments platform, offers a solution flexible enough to redefine paytech, and secure and reliable enough to make your CIO smile. Whether you’re looking to modernize your payment technology stack, grow your business, or jump ahead of the competition, TRITIUM is the only choice. You didn’t get here by chance, tell us what you want to do. From launching new, innovative products to powering BaaS, TRITIUM offers a single, flexible payment platform that can power almost any payments use case. Our modern payment platform and technology will simplify your paytech stack and help you lower costs. -
25
Lithic
Lithic
Lithic makes it simple to create payment cards to enable and control spending. Designed for developers, Lithic’s accessible building blocks reduce time to market, unlock new revenue streams and scale with your evolving business. Whether you’re creating payment cards for your customers, optimizing back-office operations, or simplifying disbursements, Lithic makes it easy to start without wading through lengthy MSAs or Sales demos. Pricing is simple, with no expensive monthly fees. Create your first card in minutes and use it right away. -
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M2P Fintech
M2P Fintech
We handle opening of user/bank accounts, customer onboarding, compliance checks, and regulatory requirements, end-to-end. We guarantee industry standard compliance and a frictionless user experience. Roll out future-ready, customer-relevant banking services with our holistic core banking system. We help businesses provide smooth payment experiences to their end customers. Whatever the payment requirement, our solutions can handle it. We help organizations and banks issue branded physical and virtual cards. We configure requirements and co-create card programs specifically for your needs. We connect finance, technology, and commerce, with our capabilities like collection tech, payouts, plug-ins for merchants, payment gateway, and more. Our solutions are end-to-end, meaning we do all the heavy lifting, enabling you launch cards, programs, any fintech product in no time at all. -
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Anytime
Anytime
Anytime Neobank is the perfect alternative to your bank. In replacement or in addition to your banking account, we can help you alone or as a team, for professional or private purposes. Better than a business account or a personal bank account, enjoy our services to manage your company's finances and your personal expenses. Isolate your personal operations and have control on your budget. Easily obtain a refund from your partner current account. Banks charge international transactions between 2% and 3% of the amount spent or withdrawn. At Anytime these fees do not exist! To pay your water, gas, electricity, phone and any other bills by direct debit. Collect your customers by direct debit and automatically collect the amounts owed on the due date on your pro Anytime account. An online payment solution you can install on your website or a link that can be sent by SMS.Starting Price: €9.50 per month -
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Rapyd
Rapyd
Rapyd does for fintech what the cloud did for IT. By connecting companies to all the ways the world likes to pay, we power frictionless global commerce and create new opportunities for businesses and people. We built the world’s largest local payments network so you can focus on creating great customer experiences and unlocking new markets. Rapyd does for fintech what the cloud did for IT. Our Global Payments Network connects your company to all the ways the world likes to pay and the infrastructure to create your own fintech solutions, like ewallets, cards and financial services. With Rapyd, digital sellers in Latin America can accept cash. Online shoppers in Asia can pay with their favorite ewallet. And businesses can make payouts to companies and individuals anywhere in the world. With 900+ payment methods in 100 countries, you can open new markets, reach new customers, and create new opportunities anywhere.
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