No credit card or credit check needed
Halocard is a US-issued Visa credit card for customers in the US and 120+ countries. Outside the US? You don't need an SSN, a US address or a US bank account.
What is a Capital One Virtual Card?
Halocard is the better Capital One alternative for anyone without a Capital One credit card, and for anyone who wants limits and billing addresses on each card. 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, created in the Capital One app or website or through Google Pay autofill in Chrome. They earn your card's rewards and carry no foreign transaction fees, but they are only for US legal residents with an eligible Capital One credit card, use your account's billing address, and can't go in a phone wallet. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with no credit check.
Pros
- Pros: Free with an eligible credit card
- Pros: Earns your card's rewards
- Pros: No foreign transaction fees
- Pros: Store-specific and single-use numbers
- Pros: Lock or delete each number
Cons
- Cons: Capital One credit card holders only
- Cons: US legal residents, credit check to get the card
- Cons: No per-card limits or billing address
- Cons: Online only, no phone wallets
- Cons: Rated 1.2/5 on Trustpilot
How much does a Capital One virtual card cost?
- Virtual numbers
- Free
- Card annual fee
- $0 to $395
- Foreign transactions
- No fee
Who can get them?
- Card needed
- Eligible Capital One credit card
- Residency
- US legal residents
- Debit cards
- Not eligible
How does Halocard compare to Capital One Virtual Cards?
Halocard is the best Capital One virtual card alternative for most people: Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with no credit check.
Better choice | Capital One Virtual Cards | |
|---|---|---|
| Eligibility | Advantage: For residents of the US and 120+ countries | US Capital One credit card holders |
| Card structure | Advantage: Dedicated Visa credit cards | Tokenized numbers on your credit card |
| Controls | Advantage: Per-card limits, custom name and billing address | Lock or delete each number |
| Funding | Advantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto | Your Capital One credit line |
| USD bank account | Advantage: Your own US account and routing number | Only with a separate 360 Checking account |
| In-person payments | Advantage: Physical card, plus Apple Pay and Google Pay | None |
| Fees | Advantage: No fee in USD; 1.5% + $0.30 in other currencies | No foreign transaction fees |
| Support | Advantage: Chat, email, and phone on every plan | Phone, plus the Eno chatbot |
| Trust and transparency | Advantage: A regulated US company and card issuer | Advantage: A large public US bank |
Why Halocard is the better alternative to Capital One Virtual Cards
Limits on every card
Set daily, weekly or monthly limits on each card, so a subscription can't charge more than you expect.
A billing address on every card
Choose the billing address and cardholder name on each card, where Capital One uses your account address on every number.
Apple Pay and Google Pay on every card
Every Halocard can go in Apple Pay and Google Pay; Capital One's virtual numbers can't.
Capital One Virtual Cards FAQ
How do I get a Capital One virtual card?
Sign in to the Capital One app or website and open Virtual Card Manager, or use Google Pay autofill in Chrome. You need an eligible Capital One credit card, and some new accounts wait about 30 days.
Is the Eno browser extension still available?
No. Capital One discontinued the Eno browser extension on September 30, 2026. Numbers made with it keep working until they expire, and Eno remains the name of Capital One's assistant.
Can I use a Capital One virtual card in store?
No. Capital One virtual numbers are for online shopping and can't be added to digital wallets. Every Halocard works in Apple Pay and Google Pay, and you can add a physical card, free with any annual plan or $100 on a monthly plan.
Do Capital One virtual cards work with subscriptions?
Yes. A virtual number can be used for recurring charges, and locking or deleting it stops them. It keeps working when your physical card is replaced.
Can I set a spending limit on a Capital One virtual card?
Capital One documents no per-card spending limit for consumers. Halocard lets you set daily, weekly or monthly limits on each card.
Can I get a Capital One virtual card outside the US?
No. The service requires US legal residency and an eligible Capital One credit card. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries.
What is the best Capital One virtual card alternative?
Halocard. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with no credit check, Apple Pay and Google Pay on every card, a US bank account with its own account and routing numbers, and funding by debit/credit card, Apple Pay, Google Pay, bank transfer, stablecoins, or crypto.
Disclaimer
Based on public information as of October 2026 (see Sources on our Halocard vs Capital One comparison); 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. Not financial, legal or tax advice.