Best Virtual Debit Cards Compared (2026)

# Best Virtual Debit Cards Compared (2026) Need a card number in seconds — for online shopping, subscriptions, or just keeping your real card off the internet? Here are the best virtual debit card options. ## What is a virtual debit card? A virtual debit card is a card number (with expiration and CVV) that exists only digitally. No plastic. You get it instantly and can use it for online purchases, add it to Apple Pay or Google Pay, or use it anywhere cards are accepted digitally. ## The contenders ### SendMoney - **Issued:** Instantly at account creation - **Fee:** Free - **Apple Pay / Google Pay:** Yes - **Spending source:** Yield-bearing balance (your money earns until you spend it) - **Controls:** Lock/unlock, spending limits, merchant category blocks, real-time notifications - **Physical card:** Also available (free) - **Bonus:** Your balance earns up to 8% APY while it sits ### Privacy.com - **Issued:** Instantly - **Fee:** Free (basic), $10/mo (Pro), $25/mo (Teams) - **Apple Pay / Google Pay:** Yes - **Spending source:** Linked bank account - **Controls:** Single-use cards, merchant-locked cards, spending limits - **Physical card:** Not available - **Bonus:** Great for creating burner cards per merchant ### Revolut - **Issued:** Instantly - **Fee:** Free (Standard), $10–$17/mo (Premium/Metal) - **Apple Pay / Google Pay:** Yes - **Spending source:** Revolut balance - **Controls:** Spending limits, disposable virtual cards (paid plans), freeze/unfreeze - **Physical card:** Available - **Bonus:** Multi-currency support, international spending ### Cash App - **Issued:** Requires Cash Card activation - **Fee:** Free - **Apple Pay / Google Pay:** Yes - **Spending source:** CashApp balance - **Controls:** Basic lock/unlock - **Physical card:** Available (free, customizable) - **Bonus:** Boosts (merchant cashback offers) ## Comparison table | Feature | SendMoney | Privacy.com | Revolut | Cash App | |---------|-----------|-------------|---------|----------| | Instant virtual card | ✓ | ✓ | ✓ | ✓ | | Free | ✓ | Basic only | Basic only | ✓ | | Apple/Google Pay | ✓ | ✓ | ✓ | ✓ | | Balance earns yield | ✓ (up to 8%) | ✗ | ✗ | ✗ | | Physical card | ✓ (free) | ✗ | ✓ | ✓ | | Merchant-locked cards | Coming soon | ✓ | Paid plans | ✗ | | Spending controls | ✓ | ✓ | ✓ | Basic | ## The bottom line If you want a quick virtual card for online purchases and privacy, Privacy.com is hard to beat for single-use and merchant-locked cards. If you want a full-featured account where your balance earns yield and you get both virtual and physical cards for free, SendMoney offers the most value. Revolut is best for international spending across currencies. [Get a free virtual card →](/cards)