Virtual Credit Card Providers Comparison 2024
Comprehensive comparison of the top virtual credit card providers in 2024. Compare Privacy.com, Capital One Eno, Revolut, and other leading VCC services to find the best solution for your online payment security needs.
Quick Comparison
| Feature | Privacy.com | Capital One Eno | Revolut | Citi VAN |
|---|---|---|---|---|
| Monthly Fee | $0-10 | Free* | €0-45 | Free* |
| Virtual Cards | 12-∞ | Unlimited | Limited-∞ | Unlimited |
| Mobile App | ✓ | Limited | ✓ | ✗ |
| Browser Extension | ✓ | ✓ | ✗ | ✗ |
| International | ✗ | ✗ | ✓ | Limited |
| Spending Controls | Advanced | Basic | Advanced | Basic |
* Free for existing customers only
Detailed Provider Reviews
Privacy.com
Leading virtual card provider focused on privacy and security
Pros
- Unlimited virtual cards (paid plans)
- Advanced spending controls
- Merchant blocking features
- Browser extension
- Mobile app available
Cons
- Free plan limited to 12 cards/month
- US only
- Requires bank account linking
Pricing
Security Features
Bank-level encryption, 2FA, real-time monitoring
Capital One Eno
Virtual cards from established bank with robust security
Pros
- Free for Capital One customers
- Browser extension available
- Automatic merchant locking
- Strong bank backing
- No monthly limits
Cons
- Requires Capital One account
- Limited customization
- US market focused
Pricing
Security Features
Bank-grade security, fraud monitoring, instant alerts
Revolut
European digital bank with comprehensive financial services
Pros
- Multiple virtual cards
- International support
- Disposable cards available
- Integrated with full banking
- Competitive exchange rates
Cons
- Premium features require subscription
- Complex pricing structure
- Limited US availability
Pricing
Security Features
3D Secure, biometric authentication, real-time notifications
Citi Virtual Account Numbers
Virtual account numbers for Citi credit card holders
Pros
- Free for Citi cardholders
- Browser-based generation
- Spending limits available
- Established bank security
Cons
- Requires Citi credit card
- Limited features
- Outdated interface
- No mobile app
Pricing
Security Features
Standard bank security, fraud protection
Common Security Features
End-to-End Encryption
All providers use bank-level encryption to protect card data
Real-time Monitoring
Instant fraud detection and transaction alerts
Spending Controls
Set limits and restrictions on virtual cards
Merchant Locking
Lock cards to specific merchants for added security
How to Choose the Right Provider
For Privacy-Focused Users
If privacy and advanced controls are your top priorities, Privacy.com offers the most comprehensive features for managing virtual cards.
For Bank Customers
If you're already a customer of Capital One or Citi, their virtual card offerings provide good basic functionality at no additional cost.
For International Users
For users outside the US or those needing multi-currency support,Revolut provides the best international coverage.
For Beginners
If you're new to virtual cards and want something simple, start with your existing bank's offerings before exploring specialized providers.
Important Considerations
Before Choosing a Provider
- • Check availability in your country/region
- • Review fee structures and monthly limits
- • Consider integration with your existing banking
- • Evaluate security features and compliance
- • Test customer support responsiveness
Security First
Always prioritize providers with strong security track records and transparent privacy policies.
Cost Analysis
Consider both monthly fees and per-transaction costs when evaluating different providers.
User Experience
Look for providers with intuitive interfaces and reliable mobile applications for easy management.
Final Recommendation
Our Top Pick: Privacy.com
For most users seeking comprehensive virtual card functionality, Privacy.com offers the best balance of features, security, and usability. While the free plan has limitations, the paid tier provides unlimited cards with advanced controls.
However, your best choice depends on your specific needs, location, and existing banking relationships. Consider starting with a free option to test the service before committing to paid plans.