In an increasingly digital economy Virtual Cards are no longer a futuristic concept—they’re an essential financial tool. Whether you’re a business managing expenses or a consumer looking for secure online shopping, virtual cards offer convenience, control, and enhanced security. As the demand for online payments grows, so does the number of providers offering virtual card services. But with so many options available, how do you know which virtual card provider is right for you? In this 2025 guide, we’ll break down the best virtual card providers, what sets them apart, and what you should consider before choosing one.
What Are Virtual Cards and Why Are They Popular in 2025?
Virtual cards are digital versions of debit or credit cards that exist solely online. They function just like physical cards—complete with a card number, CVV, and expiration date—but are used primarily for online or over-the-phone purchases. What makes them especially popular in 2025 is their ability to reduce fraud. Unlike traditional cards, many virtual cards can be single-use or merchant-specific, making them far more secure. With the rise in e-commerce, subscription-based services, and digital banking, virtual cards offer the flexibility and safety modern consumers and businesses demand.
Revolut – Best for International Use
Revolut continues to lead in the fintech space and remains a top choice for virtual cards in 2025. Known for its sleek mobile interface and multi-currency support, Revolut allows users to generate disposable virtual cards for one-time use. This is ideal for travelers, freelancers, or anyone making international transactions. You can create a new virtual card in seconds, and once used, the number becomes invalid—great for preventing fraud. Revolut also allows real-time control over spending limits and merchant-specific permissions, making it a powerful tool for global digital transactions.
Privacy.com – Best for Personal Privacy and Control
Privacy.com remains a go-to platform in the U.S. for those who prioritize personal privacy. It allows users to create burner cards for each transaction or subscription, helping you avoid being billed unexpectedly or getting caught in recurring payments. You can lock cards to specific merchants, set monthly or transaction limits, and pause or delete cards anytime. It’s ideal for anyone concerned about data breaches or those who frequently shop online. With seamless browser extensions and mobile apps, managing virtual cards has never been easier.
Capital One Eno – Best Virtual Card Extension from a Bank
For those already using Capital One credit cards, Eno is an excellent tool for generating virtual card numbers tied to your existing account. What makes Eno special is its browser integration, which automatically suggests and fills in virtual card details during checkout. The card numbers are merchant-specific, reducing the risk of unauthorized charges. Eno also allows you to monitor, freeze, or cancel any virtual card through the Capital One dashboard, making it a great solution for users looking for bank-grade security combined with the convenience of virtual cards.
Wise (Formerly TransferWise) – Best for Freelancers and Remote Teams
Wise has transformed international payments for freelancers, small businesses, and remote workers. In 2025, its virtual card service stands out for those managing multiple currencies and cross-border payments. Users can hold and spend in over 50 currencies, making Wise an efficient tool for global collaboration. The virtual cards are tied to Wise’s borderless account, and users can create, freeze, or delete them as needed. Transparent fees and real-time exchange rates are a bonus, especially for digital nomads and online entrepreneurs.
Emburse – Best for Business Expense Management
Businesses looking for smarter expense control should consider Emburse, a platform designed for enterprise-level card management. In 2025, Emburse continues to be favored by companies that want to issue virtual cards to employees for travel, procurement, or subscriptions. Admins can set approval flows, enforce budgets, and track every transaction in real-time. It integrates with popular accounting software, making financial reconciliation smoother. For large teams or startups scaling operations, Emburse offers unmatched oversight and customization.
ZilBank – Best for U.S.-Based Small Businesses
ZilBank has grown steadily into a solid option for small to medium-sized businesses in the U.S. The platform allows businesses to issue unlimited virtual cards with complete control over each card’s use. You can assign virtual cards to different departments, vendors, or projects, simplifying internal financial tracking. With robust fraud prevention tools, two-factor authentication, and integration with major U.S. banks, ZilBank gives SMBs a straightforward, scalable way to manage their digital spending.
Key Features to Consider When Choosing a Virtual Card Provider
Not all virtual card providers are created equal, and your choice should depend on how you plan to use them. Here are some key features to evaluate:Security: Look for options that offer single-use cards, merchant-locking, or instant deactivation.Ease of Use: User-friendly apps or browser extensions make managing your cards simple.Limits and Controls: Being able to set spending limits, expiry dates, and merchant restrictions adds a layer of safety.Integration: Businesses may benefit from platforms that integrate with accounting or payroll systems.Fees: While many virtual card providers are free, some charge for premium features, international use, or business accounts.
Final Thoughts: The Right Virtual Card for You
In 2025 Virtual Cards are not just a security upgrade—they are a smart financial tool for both individuals and businesses. Whether you’re a frequent online shopper, a freelancer dealing with multiple clients, or a CFO managing a company’s expenses, there’s a virtual card provider tailored for your needs. Revolut and Wise are excellent for international use, while Privacy.com and Capital One Eno cater to personal security. Businesses should consider Emburse or ZilBank for scalable, controlled expense solutions. The key is to identify your specific requirements and match them with a provider that offers the right balance of security, usability, and features.