Finally paying for Claude and OpenAI from outside the US
Each one on its own card with a sensible monthly cap so if anything dodgy happens I'll catch it. That's the whole reason I started using virtual cards in the first place.
Samantha, Australia
Virtual Cards for AI & Cloud Platforms
Take control of your AI and cloud infrastructure costs with dedicated virtual cards. Create isolated cards for each platform, set real-time spending limits, and never get surprised by an unexpected API bill again.
Trusted by 3,564 people around the world
1 of 10. Samantha K., Australia. Finally paying for Claude and OpenAI from outside the US
Halocard works with all your favourite AI and Cloud providers
Why developers choose Halocard for AI & Cloud
Credit cards beat prepaid for AI platforms
Many AI and cloud providers decline prepaid or debit cards. Halocard issues US-based Visa credit cards with the highest acceptance rates at platforms like OpenAI, Anthropic, and Google Cloud.
Isolated budgets per platform
Create a dedicated virtual card for each AI service or cloud project. If one card hits its limit, the rest keep running. No more single point of failure for your entire infrastructure.
Real-time spending alerts
Get instant notifications every time a charge hits any of your cards. Spot runaway API costs the moment they happen and freeze the card before the bill spirals out of control.
Available globally, no US residency required
Sign up from 144+ countries with just a passport or national ID. No credit check or US bank account needed. Fund with stablecoins, card or bank transfer.
Secure and reliable virtual cards with no hidden fees
Card types
Spending
Controls
Payments
Start managing your AI & Cloud spending in 3 simple steps
1. Sign-up with a phone
Sign up from your browser. No app download needed.
2. Quick identity check
Verify you're a real person in less than 3 minutes. No US residency required.
3. Add funds to your account
Use stablecoins, debit/credit card, or bank transfer (1%).
Your virtual card is ready.
That's it! Create dedicated cards for OpenAI, Anthropic, AWS, and every other platform you use. Set limits and start spending.
Choose a plan and create your first card in under 5 minutes
Essential
3 Virtual Cards
$12/mo
or $120 yearly (Save $24)
✨ Annual plans unlock:
2 Disposable Cards /mo
1 Physical Halocard
Spend up to $1M per day
Apple Pay & Google Pay
Limit, lock or cancel cards
Customizable billing address
0% fee on USD purchases
1.5% FX fee on non-USD purchases
Chat, Email & Phone Support
Pro
12 Virtual Cards
$15/mo
or $150 yearly (Save $30)
✨ Annual plans unlock:
6 Disposable Cards /mo
1 Physical Halocard
Everything in Essential
Virtual USD Account (coming September)
Elite
60 Virtual Cards
$75/mo
or $750 yearly (Save $150)
✨ Annual plans unlock:
12 Disposable Cards /mo
3 Physical Halocards
Everything in Pro
Priority support (2 hour SLA)
Want Halocard for FREE?
Every person who joins via your referral link earns you a commission of $5 - $25 every month (up to $100 for businesses). Refer as few as 3 people and the Essential plan pays for itself. Refer beyond that and Halocard starts becoming serious income.
How Halocard compares to other virtual card providers
Feature
Halocard
Capital One Bank
Privacy.com
Card type
US Credit
US Debit
US Debit
Availability
Global
US residents only
US residents only
Spending limit
None
Account limit
Account limit
USD account
Yes (September)
Yes
No
Account funding
Card, Crypto, Stablecoins & Bank Transfers
US bank transfer
US bank connection via third party (Plaid) required
ID verification required
Yes
Yes
Yes
Credit check performed
No
Yes
No
Acceptance at US merchants
Excellent
High
High
Apple & Google Pay support
Yes
No
Pro & Premium plans only
Custom billing address
Yes
No
Yes
Private purchases
Yes
No
Yes
Customer support
Chat with real humans, phone or email
AI chatbot or call center
Support ticket
Comparison reflects publicly available information as of May 2026. Competitor details subject to change.
Built for developers who want full control over their cloud spending
Instant funding
Top-up with stablecoins, card payments, or bank transfers in USD, EUR or GBP.
Instant card creation
Spin up a new virtual card in seconds for each AI platform or cloud project.
Freeze on demand
Lock any card instantly if you spot unexpected charges or need to pause a cloud project.
Custom billing address
Use a custom billing address for every card to protect your identity when signing up for AI and cloud services.
3D-Secure Authentication
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
No apps to download
Manage all your AI and cloud cards from your phone or desktop browser. No app required.
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