A US-issued Visa credit card for customers in the US and 120+ countries
Virtual numbers for existing Capital One credit card holders
Halocard is the better choice for most people who want virtual cards they can control, and the only one of the two open to people without a Capital One credit card. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with no credit check, a separate card for each merchant, daily, weekly or monthly limits, a billing address you choose on every card, and Apple Pay and Google Pay. Capital One virtual card numbers are a free security feature of eligible Capital One credit cards: tokenized numbers that draw on your existing credit line. They suit US residents who already hold a Capital One card and want safer online shopping with card rewards and no foreign transaction fees. Halocard has no free plan, but Essential is free with 3 referrals, and every friend you refer earns you $5 or more a month.
Capital One offers virtual card numbers as a security feature of its credit cards. Halocard is a dedicated virtual card platform for subscriptions, online spending, advertising and AI tools, with US-issued Visa credit cards, stablecoin funding and custom billing addresses, for customers in the US and 120+ countries.
| Customers outside the US | Halocard120+ countries | Capital One Virtual CardsNot supported |
|---|---|---|
| Existing credit card needed | HalocardNo | Capital One Virtual CardsAn eligible Capital One credit card |
| Credit check | HalocardNone | Capital One Virtual CardsWhen you apply for the card |
| ID for US residents | HalocardMay ask for an SSN or ITIN | Capital One Virtual CardsSSN, or ITIN on some cards |
Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with no credit check. Outside the US? You don't need an SSN, a US address or a US bank account. Capital One's virtual numbers require an eligible Capital One credit card and US legal residency, and getting the card means a hard credit inquiry; some new accounts wait about 30 days before they can create virtual numbers. See supported countries
| What you spend | HalocardThe balance you load | Capital One Virtual CardsYour Capital One credit line |
|---|---|---|
| Cards held at once | Halocard3 to 60, by plan | Capital One Virtual CardsOne general-use number plus store-specific numbers |
| Single-use cards | HalocardAnnual plans, from 2 a month | Capital One Virtual CardsStore-specific numbers can be single-use |
| Card rewards | HalocardNot supported | Capital One Virtual CardsYour card's rewards |
Capital One virtual numbers are tokenized versions of the credit card you already hold, with the same rewards and fraud protection, built for safer online shopping. Halocard is a dedicated card platform where each card is its own Visa credit card for a subscription, vendor or ad account. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check. Check merchant acceptance
| Per-card spending limits | HalocardDaily, weekly or monthly | Capital One Virtual CardsUnknown |
|---|---|---|
| Lock or delete a card | HalocardInstant | Capital One Virtual CardsYes |
| Custom billing address | HalocardYes, on each card | Capital One Virtual CardsNot supported |
| Custom cardholder name | HalocardYes | Capital One Virtual CardsNot supported |
| Store-specific numbers | HalocardA separate card per merchant | Capital One Virtual CardsYes |
Capital One lets you lock or delete each virtual number and lock store-specific numbers to one merchant; it documents no per-card spending limit, and every number uses your account's billing address. Halocard lets you set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card. See card spending limits
| Bank transfer | HalocardUSD, CAD, EUR or GBP | Capital One Virtual CardsNot supported |
|---|---|---|
| Debit or credit card | HalocardVisa, Mastercard | Capital One Virtual CardsNot supported |
| Stablecoins | HalocardUSDC, USDT | Capital One Virtual CardsNot supported |
| Crypto | HalocardBTC, ETH, SOL | Capital One Virtual CardsNot supported |
| Credit line | HalocardNone | Capital One Virtual CardsYes, repaid on your card statement |
Capital One virtual numbers spend your existing credit line, repaid on your monthly statement. Halocard keeps one balance you top up by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto, with no bank-issued credit behind it. See how to deposit
| Your own account and routing number | HalocardYes | Capital One Virtual CardsWith a 360 Checking account |
|---|---|---|
| Receive ACH transfers | Halocard1 to 3 business days | Capital One Virtual CardsYes, into 360 Checking |
| Receive same-day ACH | HalocardYes | Capital One Virtual CardsUnknown |
| Receive domestic wires | HalocardThe same day | Capital One Virtual CardsYes, free into 360 Checking |
| Send ACH and wire transfers | HalocardYes | Capital One Virtual CardsYes; domestic wires $30 |
Halocard includes a US bank account with its own account and routing numbers, so you can receive salary, transfers from friends and family, and any other payment you'd send to a US checking account. ACH transfers arrive in 1 to 3 business days and domestic wires the same day, straight into your Halocard balance and ready to spend. Capital One's virtual numbers spend a credit line, so a bank account means opening a 360 Checking account separately; it receives ACH and domestic wires free and charges $30 for each outgoing domestic wire. Send and receive USD payments
| Physical card | HalocardFree with any annual plan or $100 on a monthly plan | Capital One Virtual CardsNot supported |
|---|---|---|
| Apple Pay and Google Pay | HalocardEvery card | Capital One Virtual CardsNot supported |
| Tap to pay in stores | HalocardYes | Capital One Virtual CardsNot supported |
Every Halocard can go in Apple Pay and Google Pay for tap-to-pay anywhere Visa is accepted, and you can add a physical card, free with any annual plan or $100 on a monthly plan. Capital One's virtual numbers are for online shopping only: they can't be added to a digital wallet or used in stores, so paying in person means using the physical Capital One card behind them. Set up Apple Pay and Google Pay
| Purchases in USD | HalocardNo fee | Capital One Virtual CardsNo fee |
|---|---|---|
| Purchases in other currencies | Halocard1.5% + $0.30 | Capital One Virtual CardsNo fee |
| Interest | HalocardNone, no credit line | Capital One Virtual CardsOn balances not paid in full |
Capital One charges no foreign transaction fees on any of its US-issued credit cards, but as credit cards they charge interest on balances you don't pay in full. Halocard charges nothing on US-dollar purchases and 1.5% + $0.30 on others, and with no credit line there is no interest. See all Halocard fees
| Virtual cards | Halocard$12, $15 and $75 a month | Capital One Virtual CardsFree |
|---|---|---|
| Underlying card annual fee | HalocardNo card needed | Capital One Virtual Cards$0 to $395 |
| Referrals pay for your plan | Halocard3 referrals cover Essential | Capital One Virtual CardsNot supported |
Capital One virtual numbers are free for eligible cardholders, on cards with annual fees from $0 to $395. Halocard plans are $12, $15 and $75 a month, and Essential is free with 3 referrals. Compare Halocard plans
| Chat | HalocardYes | Capital One Virtual CardsEno chatbot only |
|---|---|---|
| HalocardYes | Capital One Virtual CardsNo | |
| Phone | HalocardYes | Capital One Virtual CardsYes |
Halocard answers by chat, email, and phone on every plan. Capital One's chat is Eno, an automated assistant, so reaching a person means calling. Visit the help centre
| Company and country | HalocardHalocard LLC, USA | Capital One Virtual CardsCapital One, N.A., US (public parent) |
|---|---|---|
| Registration or licence | HalocardFinCEN, BSA ID 31000317046430 | Capital One Virtual CardsNational bank (OCC); FDIC member |
| Card issuer | HalocardThird National | Capital One Virtual CardsCapital One, N.A. |
| Account held at | HalocardSSB, Member FDIC | Capital One Virtual CardsNo balance: a Capital One credit line |
| Founders named | HalocardEdward Taylor | Capital One Virtual CardsRichard Fairbank and Nigel Morris |
| Founded | Halocard2024 | Capital One Virtual Cards1994 |
| Trustpilot | Halocard4.2/5 (11 reviews) | Capital One Virtual Cards1.2/5 (4,300+ reviews) |
Capital One is one of the largest US banks, but its 1.2/5 from 4,300+ reviews centres on account restrictions, denied disputes, and long waits. Halocard names its company, card issuer, account bank and founder. About Halocard
Rated 1.2/5 on Trustpilot from 4,300+ reviews. The most common complaints:
Users report long phone waits and repeated transfers between agents.
Omg capital
“The wait times are way too long, and when you finally get someone, they often don’t seem to know how to resolve the issue. … The biggest problem is that instead of actually helping, they transfer you from one representative to another.”
Horrid AI not and misleading interest rates
“Eno is THE worst chatbot I have ever used and there is no way to talk to a person without calling. … No customer email or way to contact anyone besides calling either.”
Complaints about unexpected credit holds, interest and late fees.
Takes your money instantly
“Capital One is eager to pull money out of your bank account the second you submit a payment, but the moment you pay your balance off in full, they place an arbitrary 7-day "hold" before restoring your available credit. … A credit card you can’t actually use when you pay it on time is worthless.”
Bad business. Look elsewhere!
“I discovered later that they were indeed charging me interest. … Now, months later, I continue to accrue late fees on my late fee. … I wrote to the company but received no reply.”
Reviews state fraud and billing disputes were denied despite evidence.
Would give them zero if I could
“In 2024 I revoked a company I used to do business with authority to charge my credit card. In September they did anyway. Despite sending to Capital one copies of such revocation they still will not reverse the charge because the Vendor said they could.”
Capital one is awful
“I had a fraud charge and a dispute charge and they did not have my back either time. … They denied my claim very quick stating i didnt turn this documentation in.”
Capital One's virtual numbers are built for secure consumer shopping and fraud prevention. Halocard is built for online spending: ad campaigns, subscriptions, AI tools, cloud services, recurring billing and vendor payments.
Halocard is accepted at OpenAI, Anthropic, AWS and Google Ads, Meta Ads, TikTok Ads, and X Ads, and gives each tool its own card, limit and billing address.
Capital One virtual numbers are only for US legal residents who hold an eligible Capital One credit card. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with no credit check.
Capital One virtual numbers draw on a credit line. Halocard takes debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
Halocard lets you set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card, and every card goes in Apple Pay and Google Pay.
You need an eligible Capital One credit card, which means US legal residency and a hard credit inquiry when you apply. Debit cards and some partner cards aren't eligible.
Capital One documents no per-card spending limit, and every virtual number carries your account's billing address.
Virtual numbers can't be added to Apple Pay or Google Pay or used in stores; only your physical card can.
The Eno browser extension was discontinued on September 30, 2026, so new numbers now come from the Capital One app, website or Google Pay autofill in Chrome.
Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a separate virtual card for each merchant you pay. Halocard works like a debit card: you spend the balance you load, with no credit line and no credit check. It is built for online spending: subscriptions, AI tools, cloud services, Google Ads, Meta Ads, TikTok Ads, and X Ads, and recurring bills.
Create cards in seconds from a web browser, set daily, weekly or monthly limits on each card, lock or cancel any card instantly, and choose the billing address and cardholder name on each card. Fund your balance by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto. Outside the US? You don't need an SSN, a US address or a US bank account.
Capital One is a major US bank that offers credit cards, checking and savings accounts, loans and other consumer financial services. In May 2025 it completed its acquisition of Discover, and it has begun moving select credit cards onto the Discover network.
Capital One virtual card numbers are a free security feature of eligible Capital One credit cards: tokenized numbers that draw on your existing credit line. Primary cardholders create them in the Capital One app or website, or through Google Pay autofill in Chrome; the Eno browser extension was discontinued on September 30, 2026. Capital One issues one general-use number plus store-specific numbers that can be single-use, and each can be locked or deleted without affecting your physical card. They are for US legal residents shopping online, and they aren't available on debit cards.
Based on public information as of October 2026 (see Sources above); Capital One's products, fees and terms may change, so check before you decide. Halocard publishes this page and makes one of the products compared, so verdicts and ticks are our opinion. Capital One and its product names are trademarks of their owner, used only to identify its products; Halocard is not affiliated with or endorsed by Capital One. Quoted reviews are verbatim Trustpilot excerpts of individual experiences, not verified by us. Not financial, legal or tax advice.
