Privacy-first virtual credit cards that keep purchases private and off your bank statement. Create disposable cards for one-time purchases, protect your real card details from data breaches, and set limits on how much each card can be used.
Trusted by 3,552 people around the worldSetting up Halocard on GrapheneOS was easy (although it requires JIT enabled in Vanadium) and affordable. Now I don't have to worry about data breaches with my card information because I have the virtual and disposable ones instead.
Lucca, United States
Halocard acts as shield between your primary bank account and the places you make purchases. Your transactions are never visible by your bank, and with custom billing addresses, you decide what information is shared with a merchant.
Create a card, make your purchase, and delete it. If a site gets hacked or sells your data, the card number is already gone. No risk to your real payment details.
Get notified the moment any charge hits your card. See something unexpected? Freeze the card in one tap. No waiting on hold, no calling your bank, no paperwork.
Sign up from 144+ countries with just a passport or national ID. No credit check, no US bank account needed. Fund with stablecoins, card or bank transfer.
Sign up from your browser. No app download needed.
Verify you're a real person in less than 3 minutes. No US residency required.
Use stablecoins, debit/credit card, or bank transfer (1%).
That's it! Create disposable or dedicated cards for any purchase. Keep your spending private and your real card details safe.
$12/mo
or $120 yearly (Save $24)
✨ Annual plans unlock:
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
$15/mo
or $150 yearly (Save $30)
✨ Annual plans unlock:
Everything in Essential
Virtual USD Account (coming September)
$75/mo
or $750 yearly (Save $150)
✨ Annual plans unlock:
Everything in Pro
Priority support (2 hour SLA)
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.
Card type
Availability
Spending limit
USD account
Account funding
ID verification required
Credit check performed
Acceptance at US merchants
Apple & Google Pay support
Custom billing address
Private purchases
Customer support
Comparison reflects publicly available information as of May 2026. Competitor details subject to change.
Top-up with stablecoins, card payments, or bank transfers in USD, EUR or GBP.
Spin up a new virtual card in seconds for any purchase. Use it once and delete it, or keep it for recurring private spending.
Lock any card instantly if it is compromised or you simply do not need it anymore.
Use a custom billing address for every card to keep your real address private and protect your identity online.
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
Manage all your private cards from your phone or desktop browser. No app required.
Compare 9 virtual credit card providers for small businesses. Covers card types, fees, geographic availability, and which fits your business spending needs.
Citi discontinued its virtual account numbers program. Discover what happened, what current Citi options exist, and which modern alternatives provide the best replacement.
Anthropic doesn't sell Claude gift cards. Find out why cards get declined, how virtual cards solve payment issues, and the best ways to gift Claude access.
Stop surprise renewals and regain control of your SaaS stack. Assign one virtual card per vendor, set spend limits, and simplify reconciliation.
