Visa Virtual Cards
We track 361 visa virtual cards in the VCCFinder dataset. The ranked table below shows the top picks from our live checkout testing.
Lead with a card from the top of the ranked Visa table - it cleared our checkout testing and matches the use case you need.
What counts as a visa virtual card
We tag every card in the VCCFinder dataset by network, KYC level, fees and what it can pay for. The table below lists the 361 cards that match Visa in our data, ranked by our checkout testing.
Visa Virtual Cards we track (361)
| Card | Network | KYC | Create fee | Monthly | Works for | Rating |
|---|---|---|---|---|---|---|
| Chime | Visa | ID Only | 0 | 0 | ChatGPT, Streaming | 5.0 |
| Mountain Wolf | Visa + Mastercard | Yes | Virtual card free | Free | ChatGPT, Streaming | 4.5 |
| Bybit Card | Mastercard, Visa | ID Only | 0 | 0 | Crypto, ChatGPT, Streaming | 4.5 |
| Genome | Visa | Yes | Virtual card 1 EUR (first 10); 10 EUR from 11th | 0 EUR (card monthly fee); non-EEA personal account 20 EUR/mo or 200 EUR/yr | ChatGPT, Streaming, Ads | 4.5 |
| Privacy.com | Visa, Mastercard | ID Only | 0 | 0 (Personal free; Plus $5 / Pro $10 / Premium $25 per mo) | ChatGPT, Streaming, Ads | 4.5 |
| Ramp | Visa | ID Only | 0 | 0 | ChatGPT, Streaming, Ads | 4.5 |
| Crypto.com Card | Visa | Yes (KYC required, CRO | Free (entry tier); higher tiers require CRO staking | Free (no annual fee) | ChatGPT, Streaming | 4.5 |
| Pikabao | Visa / Mastercard (20 BIN options: 9 US + 11 HK) | No KYC (email signup o | $2-3 (US card); $0.10-$0.50 (US per-card); 10U (HK card) | Free (no monthly fee) | ChatGPT, Streaming, Ads | 4.5 |
| Revolut | Visa, Mastercard | ID Only | 0 | 0 (Standard); Plus £3.99; Premium £7.99; Metal £14.99; Ultra £55 per mo | Crypto, ChatGPT, Streaming, Ads | 4.5 |
| COCA | Visa | Yes | Free | Free | Crypto, ChatGPT, Streaming | 4.5 |
| Wallester | Visa | ID Only | 0 | 0 (Free); Premium €199; Platinum €999 per mo | Crypto, Streaming, Ads | 4.5 |
| Binance Card | Mastercard / Visa | Yes (Binance account K | Free | Free | — | 4.5 |
| MyFin | Visa, Mastercard | ID Only | 0 | 0 (Standard); Advanced ~€5.14; Premium ~€10.23/€10 per mo | — | 4.5 |
| PayPal Key | Visa | Yes | Free | Free | ChatGPT, Streaming, Ads | 4.5 |
| Paycek | Visa + Mastercard | No | Free | Free | — | 4.5 |
| Cash App | Visa | ID Only | 0 | 0 | Crypto, Streaming | 4.5 |
| VCard | Visa, Mastercard | Partial (US Lite card | US Lite card $10; Standard $5; Platinum $20; Black $999; HK Diamond Lite $50 | 0 | ChatGPT, Streaming, Ads | 4.5 |
| Citi Virtual Account Numbers | Visa / Mastercard | Yes | Free (cardholder) | Free | ChatGPT, Streaming, Ads | 4.5 |
| Coinbase Card | Visa | Yes (Coinbase account | Free | Free | — | 4.5 |
| Fold | Visa | No | $0 (standard)/$100/yr (Fold+) | $0/$10 per month (Fold+) | — | 4.5 |
| Hyperbeat Card | Visa Signature | Yes | Virtual card free | Free | ChatGPT, Streaming | 4.5 |
| Klarna Card | Visa | Yes (SSN, US/UK reside | Free | Free | — | 4.5 |
| Solflare Card | Visa | Yes | Free | Free | ChatGPT, Streaming | 4.0 |
| Solid Card | Visa | Yes | Free | Free | ChatGPT, Streaming, Ads | 4.0 |
| X1 Card | Visa | Yes | Free (metal card) | No annual fee | — | 4.0 |
| YEX | Visa | Yes | $0 | $0 | Crypto, ChatGPT, Streaming | 4.0 |
| Halocard | Visa | Yes (passport/national | Essential 3 cards $12/mo; Pro 12 cards $15/mo; Elite 60 cards $75/mo | Essential $12; Pro $15; Elite $75 (annual gives 2 months free) | ChatGPT, Streaming, Ads | 4.0 |
| Liv by Emirates NBD | Visa | Yes | Free | AED 25/month (waivable) | Streaming | 4.0 |
| Monzo | Visa / Mastercard | Yes (KYC required, UK | Free (with Monzo account) | Free (standard account) | — | 4.0 |
| Nexo | Visa, Mastercard | Yes (account verificat | 0 (virtual card instant activation) | 0 (no monthly/annual/inactivity fee) | ChatGPT, Streaming | 4.0 |
| PokePay | Visa | No (virtual card no KY | Virtual card $5; physical card $88 | 0 | ChatGPT, Streaming | 4.0 |
| Wise | Visa / Mastercard | Yes | Free (virtual); physical card one-time fee | 0 (no monthly fee) | Streaming | 4.0 |
| 1inch Debit Card | Visa + Mastercard | Yes | Free | Free | ChatGPT, Streaming | 4.0 |
| Affirm Card | Visa | Yes (SSN, US resident, | Free | Free (no annual/card fees) | — | 4.0 |
| Bitrefill | Visa | No | Free | Free | Crypto | 4.0 |
| Chase Spend Instantly | Visa | Yes | Free (Chase credit card holder) | Free | — | 4.0 |
| Figo | Visa (US BIN) | Yes | $2 (limited-time free) | Free | Streaming, Ads | 4.0 |
| Ledger Card | Visa | Yes | Free | Free | ChatGPT, Streaming | 4.0 |
| Satsrefill | Visa Debit | No | Free | Free | — | 4.0 |
| Synchrony | Visa + Mastercard | Yes | Free | Free | — | 4.0 |
Top 40 of 361 visa cards in the VCCFinder dataset, sorted by rating. Full 456-card dataset informs the provider and category pages. Data last verified September 2026.
How to choose among visa cards
Match the card to what you actually need to pay for, then check KYC and fees. A card that clears a shop can still fail stricter billing (ad platforms, streaming), so pick by use case, not just by network. See the related guides for per-use-case testing.
Frequently asked
Are visa virtual cards safe?
Yes when issued by a named, KYC-verified provider. Our dataset only tracks real issuers; a generated or resold number with no issuer will not clear a live charge.
Which visa card should I start with?
Pick from the ranked table above by the use case you need (shopping, streaming, ads) and the KYC level you can meet. The top of the list cleared our checkout testing.
Do visa cards work on ad platforms?
Some do, some do not. Ad platforms run stricter billing checks; check our ad-platforms guide for the per-platform ranked lists we retest.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. This guide is reference material, not a test log; the 456 ranges we track inform the provider and category pages linked above.
Log through 26 Sep 2026 09:00 UTC.