No $250 ceiling
Spend your balance up to $1M a day, with your own daily, weekly or monthly limit on each card, instead of MySudo's $250 per purchase and $350 a day.
What is MySudo?
Halocard is the better MySudo alternative when the card is what you need: no $250 purchase cap, any Visa merchant, and no fee on US-dollar purchases. MySudo is a privacy app from Anonyome Labs. Each identity you create, a Sudo, gets its own phone number, email address, private browser and, on a paid plan, one virtual Mastercard issued by Sutton Bank, Member FDIC. The cards are offered only to US-based users, draw from one linked US credit or debit card, work only at US merchants billing in dollars online or by phone, and are capped at $250 per purchase and $350 a day. Plans run from $1.99 to $14.99 a month, and every purchase adds 2.99% + $0.31.
Pros
- Pros: Private phone numbers, email and browsing in one app
- Pros: One card per Sudo keeps identities apart
- Pros: Free to create a card
- Pros: Plans from $1.99 a month
- Pros: Reusable cards with a US billing address
- Pros: Rated 4.7/5 on the App Store
Cons
- Cons: $250 per purchase and $350 a day
- Cons: US merchants and US dollars only, no in-store
- Cons: 2.99% + $0.31 on every purchase
- Cons: US-based users with a US funding card only
- Cons: Can't issue chargebacks or refunds for you
How much does MySudo cost?
- SudoFree
- Free, no cards
- SudoGo, 3 cards
- $1.99/mo
- SudoPro, 3 cards
- $4.99/mo
- SudoMax, 9 cards
- $14.99/mo
- Annual plans
- $19.99 to $149.99/yr
What fees does MySudo charge?
- Creating a card
- Free
- Each purchase
- 2.99% + $0.31
- Minimum fee
- $0.50
- Funding card validation
- $0.50 to $1.00, released
- Purchases in other currencies
- Not supported
How does Halocard compare to MySudo?
Halocard is the best MySudo alternative for card spending. It is a US-issued Visa credit card for customers in the US and 120+ countries, with no $250 ceiling and no fee on US-dollar purchases.
Better choice | MySudo | |
|---|---|---|
| Eligibility | Advantage: For residents of the US and 120+ countries | US-based users only |
| Funding | Advantage: Card, Apple Pay, Google Pay, Bank Transfer, Stablecoins & Crypto | One linked US credit or debit card |
| Spending limits | Advantage: Your balance, up to $1M a day | $250 a purchase, $350 a day |
| USD bank account | Advantage: Your own US account and routing number | None |
| Where it works | Advantage: Anywhere Visa is accepted, online and in person | US merchants in US dollars, online or by phone |
| Controls | Advantage: Per-card limits, any billing address, instant lock | One card per Sudo, close any time |
| Fees | Advantage: No fee on US-dollar purchases | 2.99% + $0.31 on every purchase |
| Support | Advantage: Chat, email, and phone on every plan | A ticket form and email |
| Trust and transparency | Advantage: A regulated US company and card issuer | A named US company and bank |
Why Halocard is the better MySudo alternative
Online, in store and abroad
Pay any Visa merchant, in any currency for 1.5% + $0.30, and in person with Apple Pay and Google Pay on every plan. MySudo cards stop at US merchants, online or by phone.
No fee on US-dollar purchases
Halocard's plan is the whole price for US-dollar spending. MySudo adds 2.99% + $0.31 to every purchase, on top of the plan.
Any billing address
Choose the billing address and cardholder name on each card, anywhere in the world. Outside the US? You don't need an SSN, a US address or a US bank account.
MySudo FAQ
What can I use when a purchase is over MySudo's limit?
Pay with a Halocard instead. MySudo declines anything over $250 a purchase or $350 a day. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a separate card for each merchant, and you can spend your balance up to $1M a day.
Can I use MySudo outside the US?
No. MySudo sells its app in Canada, Australia and the UK, but virtual cards are offered only to US-based users and only work at US merchants. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with a separate card for each merchant. Outside the US? You don't need an SSN, a US address or a US bank account.
Is the MySudo app free?
Partly. SudoFree costs nothing and provides three Sudos with email addresses, handles, encrypted messaging between MySudo users, and private browsers. Virtual cards are excluded from the free tier, so a paid plan is required before you can create one, starting at $1.99 a month for SudoGo.
Does MySudo charge a fee on every purchase?
Yes. The payment processor adds 2.99% + $0.31 to each approved purchase, with a $0.50 minimum, and MySudo doesn't return it when a merchant refunds you. Halocard charges no fee on US-dollar purchases.
Is MySudo reliable?
The app has operated for years and its cards are issued by Sutton Bank, Member FDIC, under Mastercard licence. Its Trustpilot score is 3.1/5 from only 7 reviews, split sharply between five-star and one-star ratings; the App Store rates it 4.7/5. Read the recent reviews yourself, since a sample that small can shift substantially.
Can MySudo be traced?
Yes, and the same applies to every regulated card product. MySudo knows who holds each account, retains transaction records, and answers lawful requests, and Anonyome Labs publishes a government requests page describing its process. What the service does is prevent merchants and data brokers from receiving your real card number, phone number, or email address.
Can you call with MySudo?
Yes. Paid plans include Sudo phone numbers capable of standard calls and texts, from one number with 30 minutes and 100 messages a month on SudoGo to nine numbers with unlimited calling and messaging on SudoMax. Voicemail draws from the same minute allowance. Halocard does not offer telephony, since it is a payments product only.
Can MySudo dispute a charge for me?
No. MySudo says it cannot issue chargebacks or refunds on your behalf, so problems go directly to the merchant. Halocard's first dispute in any 12 months is free.
What is the best MySudo alternative?
Halocard, for card spending. Halocard is a US-issued Visa credit card for customers in the US and 120+ countries, with Apple Pay and Google Pay on every plan and up to 60 cards.See all comparisons
Disclaimer
Based on public information as of October 2026 (see Sources on our Halocard vs MySudo comparison); MySudo'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. MySudo and its product names are trademarks of their owner, used only to identify its products; Halocard is not affiliated with or endorsed by MySudo. Not financial, legal or tax advice.