In today’s digital economy Virtual card are becoming essential for secure online transactions, managing subscriptions, and controlling business expenses. With the rise of online fraud and the need for flexible payment options, virtual card services have become increasingly sophisticated, offering advanced features for both individuals and businesses. If you’re looking to enhance your financial security and streamline payments, here are the best virtual card providers to consider in 2025.

Privacy.com – Best for Personal Privacy Control

Privacy.com continues to be a top choice for individuals who prioritize privacy and control over their online payments. The platform allows users to generate single-use or merchant-locked virtual cards, making it nearly impossible for fraudsters to steal or misuse card details. You can set spending limits, pause or close cards instantly, and even block transactions from specific vendors. In 2025, Privacy.com has expanded its premium plans with additional features like team accounts, customizable controls, and deeper integration with personal finance tools—ideal for everyday users and freelancers alike.

Revolut – Best All-in-One Banking Experience

Revolut is more than just a virtual card provider; it’s a full-service digital bank with advanced budgeting, currency exchange, and investment tools. With its virtual card feature, Revolut users can instantly create disposable virtual cards for one-time purchases or ongoing transactions. What makes Revolut stand out in 2025 is its international usability—great for travelers, digital nomads, and global entrepreneurs. Revolut also offers support for over 30 currencies, cryptocurrency integration, and automatic transaction tracking, all through a sleek mobile app.

Wise (formerly TransferWise) – Best for International Payments

If you frequently make purchases or payments in foreign currencies, Wise offers some of the most competitive exchange rates on the market. Its virtual card service is seamlessly linked to your Wise multi-currency account, allowing you to spend from different currency balances without high conversion fees. In 2025, Wise virtual cards are now available to users in even more countries, and with enhanced security features like two-factor authentication, real-time transaction notifications, and regional controls. It’s a smart choice for freelancers, remote workers, and businesses with international clients.

Capital One Eno – Best for U.S. Credit Card Users

For users with a Capital One credit card, Eno offers one of the most seamless virtual card experiences. Eno is a browser extension and mobile feature that allows you to generate virtual card numbers that are linked to your actual credit card account. This means you can shop safely online without ever exposing your real card number. Eno’s AI capabilities in 2025 now provide fraud alerts, track recurring charges, and assist with resolving billing issues. It’s especially useful for managing online subscriptions or trying out new services without risking your real card details.

Divvy – Best for Business Expense Management

Divvy is a leading virtual card provider specifically designed for businesses. It offers robust expense management tools alongside virtual card generation. Businesses can issue individual virtual cards to employees, set spending limits by category, and automate expense reports. In 2025, Divvy has further enhanced its dashboard with AI-powered insights, helping finance teams identify savings opportunities and detect anomalies. It integrates with major accounting software like QuickBooks, Xero, and NetSuite—making it ideal for startups, SMEs, and enterprises that need scalable solutions.

Brex – Best for Startups and Tech Companies

Brex has emerged as the go-to platform for high-growth startups and tech companies. It offers corporate cards—both physical and virtual—with no personal guarantees and generous credit limits. Virtual cards can be issued instantly to team members and managed with spending rules, departmental budgets, and real-time tracking. In 2025, Brex’s platform includes enhanced integrations with tools like Slack, Notion, and project management platforms, giving fast-moving teams better visibility and control over their finances. Its rewards program also offers value tailored to business spending, such as discounts on software and advertising.

Payoneer – Best for Freelancers and Cross-Border Transactions

Payoneer continues to be a reliable option for freelancers and digital professionals who get paid internationally. With its virtual Mastercard, users can make online purchases or pay for business services globally. Payoneer’s virtual card service is directly tied to your earnings from platforms like Fiverr, Upwork, and Amazon. In 2025, Payoneer has added more regional banking options, faster transfer speeds, and better mobile support—making it easier for users in countries with limited banking infrastructure to manage their income securely and spend with confidence.

Stripe Issuing – Best for Developers and Custom Card Solutions

For tech-savvy businesses that want to build their own card programs, Stripe Issuing is the ultimate solution. Stripe allows companies to create and manage virtual (and physical) cards at scale via API. Whether you’re running a marketplace, neobank, or rewards platform, Stripe gives you the flexibility to create card products tailored to your brand and user base. In 2025, Stripe Issuing includes powerful fraud detection, dynamic spending controls, and even embedded financial services. It’s not a plug-and-play tool for casual users, but for developers and startups, it’s unmatched in customizability.

Netspend – Best for Prepaid Virtual Cards

For users who prefer prepaid card options or have limited access to traditional banking, Netspend provides virtual card services that don’t require a credit check. Once you load funds onto your Netspend account, you can generate virtual cards to shop online securely. This is particularly useful for budgeting purposes or for teens and young adults who need spending control. In 2025, Netspend has improved its app interface, introduced budgeting tools, and enhanced fraud protection—making it a strong contender in the prepaid market.

Conclusion

As we continue to embrace digital finance in 2025, virtual cards are proving to be one of the most practical tools for secure, flexible, and efficient payments. Whether you’re an individual looking for better privacy, a freelancer managing international income, or a business needing to control team spending, there’s a Virtual card provider tailored for your needs. Services like Privacy.com and Revolut focus on personal use, while Divvy and Brex cater to businesses. Choosing the right provider depends on your goals, location, and the level of control or customization you need. By selecting the right virtual card solution, you can shop, pay, and manage your finances with peace of mind.