Privacy.com

Privacy.com (founded 2014; parent rebranded as Lithic in 2021) is the original virtual-card service: US users link a bank account/debit card and generate unlimited virtual cards, with 600k+ customers per official claims. Card types include Single-Use, Merchant-Locked and Category-Locked, plus recent MCP/CLI capabilities for AI agents.

Official claims (verified 2026-10-23)

• Use cases: mask real card numbers, stop subscription creep, prevent fraud, per-merchant/category limits
• Free for personal use (interchange-funded); browser extension and mobile app

Hard requirements

• US residents only: US bank account/debit card, US phone number and SSN-grade KYC
• Not available to mainland-China or Hong Kong users; paid "account opening" services carry ban and fund-loss risk
• Listed here as the category benchmark ($0 monthly, unlimited cards)