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 Shopping & Subscriptions
Take control of your online subscriptions and shopping with dedicated virtual cards. Create a separate card for every service, set real-time spending limits, and cancel any subscription instantly without touching the rest.
Trusted by 3,563 people around the world
1 of 10. Samantha K., Australia. Finally paying for Claude and OpenAI from outside the US
The most flexible virtual card for online shopping
One card per subscription, total control
Create a dedicated virtual card for Netflix, Spotify, Amazon, and every other service you use. If a free trial tries to charge you, just freeze that one card.
Set budgets per service
Cap each subscription card at its monthly cost. No surprise charges, no price increases slipping through. If a service raises its price, the charge simply declines.
Real-time spending alerts
Get instant notifications the moment any subscription charges your card. Spot unwanted renewals immediately and freeze the card before the next billing cycle.
Shop 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. Access US-only stores and services from anywhere.
Secure and reliable virtual cards with no hidden fees
Card types
Spending
Controls
Payments
Start managing your purchases 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 Netflix, Spotify, Amazon, and every other subscription or store you use. Set limits and start shopping.
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 people who want full control over their subscriptions
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 subscription or online store.
Freeze on demand
Lock any card instantly to stop an unwanted renewal or pause a subscription you are not using.
Custom billing address
Use a custom billing address for every card to protect your personal details from online retailers.
3D-Secure Authentication
Visa 3D-Secure is supported whenever a merchant requests it to prevent fraud.
No apps to download
Manage all your subscription cards from your phone or desktop browser. No app required.
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