Best Virtual Credit/Debit Cards for iPhone
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Compare the Top Virtual Credit/Debit Cards for iPhone as of April 2026
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What are Virtual Credit/Debit Cards for iPhone?
Virtual credit and debit cards are digital versions of physical credit and debit cards. Virtual credit/debit cards function just like a traditional physical credit or debit card, but the cards are digital and online only, so there is no physical copy of the card. Virtual credit and debit cards are useful for companies that want to track spending, and gain extra security from one-time use card numbers. Compare and read user reviews of the best Virtual Credit/Debit Cards for iPhone currently available using the table below. This list is updated regularly.
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1
Wallester
Wallester
Wallester is an Estonian-licensed financial institution and official Visa partner since 2018, specialising in digital financial solutions and card issuance. We help companies across the EEA and the UK streamline payments, launch branded cards, and scale efficiently. What we do: 1️⃣ White-Label Solution with Embedded Finance Our White-Label solution lets businesses integrate financial services directly into their platforms—known as embedded finance. This enables branded payment cards tailored to specific needs, improving customer experience and opening new revenue streams. We ensure swift time-to-market with simplified integration and dedicated support. 2️⃣ Wallester Business: Corporate Expense Management Wallester Business modernises corporate expense management with instant access to virtual and physical Visa cards. Through our app and portal, companies can track expenses, analyse budgets, and integrate seamlessly with accounting systems for better financial control.Starting Price: $0 -
2
Rippling
Rippling
Manage all your employee spending with Rippling Spend. Consolidate, automate, and control corporate cards, expenses, bills, and payroll in one place. Rippling removes the need for multiple systems, automates manual reconciliation, and provides control over company spending. Simplify closing the books and gain clear visibility over all expenditures. Experience seamless spend management with Rippling.Starting Price: $8 PEPM -
3
Melio
Melio
Melio is an accounts payable tool built to simplify bill payments, boost workflow efficiency, and optimize cash flow for businesses of all sizes. To get started, try all of Melio's features free for 30 days! Pay vendors online through bank transfers or credit/debit cards, even if they typically accept checks—Melio manages the manual work for you. Effortlessly integrate with QuickBooks and Xero to ensure your financial records stay current. With Melio, pay by bank transfer or card to extend cash flow and earn rewards. Adding vendor or bill details is a breeze—input them manually, upload files, or take a photo of invoices. Schedule payments to align with your cash flow, and let Melio handle the rest. International vendor payments are made easy by paying in their local currency for products and services your business needs. The Melio mobile app, available for iOS and Android, lets you monitor and manage payments anytime, giving you full control over your finances on the go.Starting Price: Free -
4
Divvy
Divvy
Divvy has combined seamless expense management software with business cards so you never have to process another expense report. With Divvy, you can leverage faster expense reporting, enforceable budgets, and a single platform to offer real-time visibility into all spend. Ready to gain more control and streamline your spend management—in a one-stop, easy-to-use platform? Get Divvy today to empower your team and save everyone time (including yourself). Divvy provides their customers with a strong credit line and makes going over budget literally impossible. Put a stop to painful expense resorts and simplify the AP process with Divvy—all for free.Starting Price: Free -
5
Expensya
Expensya
Expensya is a solution that transforms spend management. Expensya users can manage and process any type of expense: online purchases, general costs, expense reports, remote work, Per Diems, mileage expenses, and more. Thanks to its across-the-board features and expertise, Expensya currently supports more than 5000 companies and provides a comprehensive solution to its users, for flawless end-to-end management of all business spends. Expensya also integrates with your bank cards, your HR system, your ERP, your accounting system, and your Travel manager. Expensya automates every step of the process, saving time and increasing your team's productivity Our vision is to give the most complete, intuitive, and scalable solution.Starting Price: $5.91/month/user (annually) -
6
e.PN
EPN
e.PN offers virtual cards with the lowest fees and the largest number of supported banks, making it a top choice for individuals and businesses looking to streamline their financial transactions. With competitive rates that decrease as your spending increases, e.PN offers a user-friendly app that provides real-time notifications, account management, and 24/7 support. Perfect for frequent spenders, the platform ensures safe, convenient, and affordable virtual card transactions.Starting Price: $10 -
7
BILL
BILL
BILL (NYSE: BILL) is a leading financial operations platform for small and midsize businesses (SMBs). As a champion of SMBs, we are automating the future of finance so businesses can thrive. Our integrated platform helps businesses to more efficiently control their payables, receivables and spend and expense management. Hundreds of thousands of businesses rely on BILL’s proprietary member network of millions to pay or get paid faster. Headquartered in San Jose, California, BILL is a trusted partner of leading U.S. financial institutions, accounting firms, and accounting software providers. For more information, visit bill.com.Starting Price: $45 per user per month -
8
Expensify
Expensify
Track expenses, pay bills, generate invoices, collect payments, plan trips, and manage company credit cards. All of your preaccounting, in one app. Expense Management - Snap a photo of a receipt with SmartScan for easy expense reporting, approval, next-day reimbursement, and syncing with accounting software. Expensify Card - Get the best business credit card for even faster expense reporting making corporate card reconciliation and expenses a breeze, and it’s free. Bill Pay - Send your vendor bills to Expensify for automatic tracking, approval, and payment. Invoices - Create and send invoices, while collecting payments and syncing automatically to your accounting package. Travel - Book flights, hotels, and cars simply by chatting with Concierge, your personal trip planner. Personal Payments - Split bills, request payments, and chat with friends. Give it a go at Expensify.cash!Starting Price: $5.00/month/user -
9
Airbase
Paylocity
Airbase is the top-ranked modern spend management platform for businesses with 100-5,000 employees. It’s the best way to control spending, close the books faster, and manage financial risk. Airbase software combines accounts payable automation, expense management, and corporate cards. It guides procurement for all purchases — from initial requests to payment and reconciliation. Bring efficiency to complex business processes and accounting needs like multi-subsidiaries and purchase orders. Flexible intake and approval workflows ensure multi-stakeholder oversight and a culture of spend compliance. Airbase integrates with your other business systems and seamlessly syncs to general ledgers. Employees and accounting teams love using Airbase. -
10
Brex
Brex
Financial software and services to fuel your growth. Brex lets you send free ACH and wires worldwide, get higher card limits, earn money-saving rewards, and track expenses easily. Built for the ones who do things differently. Scale faster by combining your deposits, spend and controls in one account. That’s the power of all-in-one finance. From employee purchases to paying vendors to accounting, expense tracking is built right in. Email or text us your receipts. We'll match them to the right expenses. Easily sync expense data across systems to automate reconciliation. Run custom spend reports to easily find cost-saving opportunities. Issue cards, search transactions, approve or follow up, and more—in one place. Create unique cards with custom limits for each subscription, vendor, and employee. All for free. Set custom limits and give users approved ways to spend for specific items, such as training or WFH snacks.Starting Price: $5 one-time payment -
11
Joompay
Joompay
With Joompay you can: • Get a virtual debit card for free and use it for safe and secure online shopping. We also support both Google Pay in case you want to add Joompay card to your wallet. • Order our card in plastic. We had so many enquiries about our card in plastic, we could not leave them unanswered! You can pre-order your plastic card now in one of our 3 beautiful colors: alpaca-white, narwhal-blue, flamingo-pink • Enjoy our special offers on shopping. That's why we have an outstanding 5% cashback from your Joom purchases! You will also receive a €10 bonus if your first purchase on Joom costs more than €10. Check our app for more offers available. Limited time only! • Get notified about any activity on your account. Every time you send or receive a transfer, you'll get an instant push notification. You will never miss out on your money moves! • Feel safe and secure. Lost your plastic card? Freeze it right in the app. Found it in your bag? Unfreeze it right away.Starting Price: $0 -
12
Kabbage
Kabbage
Use a virtual card number to make online purchases until your debit card arrives. No set-up or monthly maintenance fees, and no minimum balance requirements. Withdraw cash at one of thousands of in-network ATMs nationwide. Cover expenses the old-fashioned way with checks connected to your account. Set up your vendors, organize your bills and issue payments electronically from your account. Deposit eligible checks using the Kabbage mobile app. Make check deposits through the Kabbage mobile app. And for those times you need to write a paper check, you can do that, too. There are no set-up or monthly maintenance fees, and no minimum balance requirements. Within your account, create up to five Reserve sub-accounts to organize your income streams or to set aside money for specific goals. Kabbage Checking accounts are provided by Green Dot Bank, Member FDIC, and are FDIC-insured up to $250,000. Your debit card uses an EMV chip for extra protection of your account.Starting Price: $10 per month -
13
Payhawk
Payhawk
Payhawk is one of the leading spend management solutions for domestic and international businesses throughout Europe, the US, and the UK. Combining company cards, reimbursable expenses, accounts payable, and seamless accounting software integrations into a single product, Payhawk makes business payments easy — for everyone. Payhawk helps customers in over 32 countries to maximise efficiency, control spending at scale, and stay agile. With offices in London, Berlin, Barcelona, Paris, Amsterdam, Vilnius, Sofia, and New York, Payhawk’s diverse customer base includes top names like LuxAir, Babbel, Vinted, Wallbox and Wagestream. -
14
Revolut
Revolut
One place to manage all things business. Get more from your business account with powerful tools that give you total control over your finances. Spend less time on admin and more time focused on what’s important – your business. Join the 500,000+ customers on Revolut Business. Send and receive international payments, with no hidden fees. Multi-currency accounts allow you to hold, exchange, send and receive funds in 28+ currencies - always at the real (interbank) exchange rate. Free international and local payments within your plan allowance, and free transfers between Revolut Business accounts. Stay organized with multiple accounts for your business needs. Spend in over 150 currencies at the real (Interbank) exchange rate. Stay in control – issue physical and virtual cards, track spending in real-time for your entire team. Automate your expenses and capture receipts in the app instantly.Starting Price: $32.00/month -
15
Mercury
Mercury
Mercury makes bank accounts that help tech companies scale. Open FDIC-insured bank accounts that come with API access, virtual cards, team management, and a lot more. Make efficient decisions in real time with cashflow analytics, programmatic payments, instant runway estimates, and more. Tap into Silicon Valley’s core. Our network and expertise are always at your disposal. Send money with three clicks by wire, check, or ACH. See where you’re making and spending money in real time. Control what features employees can access. Find any transaction you’ve ever made in seconds. Keep secure with fluent 2-factor authentication and full activity logs. Connect to Gusto, Stripe, Quickbooks, and other tools in your financial stack. -
16
Choise.com
Choise.com
Choise.com is a gateway crypto platform that combines CeFi and DeFi solutions. We give you the best of the two worlds – seamless crypto purchasing and swapping, interest accounts, passive income on your holdings, access to liquidity pools, and a multitude of other earning tools. -
17
PST
PST
Our service provides virtual VISA and MC cards in USD and EUR to pay for online purchases, but our cards are primarily designed to pay for advertising. Cards can be instantly topped up with with crypto. -
18
Novo
Novo
Award-winning Business Banking. Manage your business finances on the go. Connect Novo to your tools, send invoices, pay, get paid and much more. 'Time is money' and we want you to keep it. Skip the bank line and set up an account on your favorite device. Accept debit and credit card payments for your invoices via Stripe. Get an email confirmation when an invoice is paid by card. Accept invoice payments via Square. Novo Reserves allow you to set aside funds for taxes, profit, payroll, and other large business expenses. Save funds for later, create a rainy day fund or set money aside for taxes. Link your other bank accounts to Novo for seamless transfers. Remote check deposit allows you to deposit a check directly from your phone. Make payments in the US and internationally. Deep integrations as a Stripe Verified Partner. See your Stripe balances right in your Novo account. Get $20,000 in fee-free processing when you sign up for Stripe. -
19
Chime
Chime
Welcome to better online banking through Chime. No hidden fees. Get paid up to 2 days early with direct deposit. Grow your savings, automatically. Experience the ease and simplicity of online banking. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank or Stride Bank, N.A.; Members FDIC. Track your account balances, daily transactions, and savings from anywhere with the Chime mobile app. Turn on balance notifications and instant transaction alerts any time you use your Chime Visa® Debit Card. Send money instantly to friends using Pay Friends on our mobile banking app. Chime’s mobile banking app enables you to manage all of your online banking on the go. With over 135,000+ five star reviews in app stores, our mobile app has everything you need with a simple, intuitive design. Tired of waiting for your direct deposit? Open a Chime Spending Account, set up Direct Deposit and you’re automatically eligible to receive your paycheck earlier. -
20
Citi helps make my credit card number virtually impossible to steal by generating a random Citi card number that I can use while shopping online. When shopping online or by mail order, you can use a randomly generated Citi card Virtual Account Number instead of your real account number. Simply click Enroll in/Get below to begin using Virtual Account Numbers. All purchases made with your temporary number will appear on your monthly statement with your other purchases and will include the Virtual Account Number that was used for each transaction. The Virtual Account Numbers benefit is not available for all Citi cards. If you currently have a Citi card, you can view benefits for your specific card by logging in or registering for Card Benefits.
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21
Pleo
Pleo
Pleo is a smart spending management platform designed to help businesses automate and streamline their expense processes. By offering smart company cards with customizable spending limits, Pleo enables employees to purchase what they need while ensuring financial control for the business. Administrators gain real-time visibility into company expenses, with features like automatic receipt matching, transaction flagging, and the ability to freeze cards if necessary. Pleo simplifies bookkeeping and financial efficiency, making expense management effortless for businesses of all sizes.Starting Price: £39 per month -
22
Haslle
Haslle
Haslle, Spending Management Solution for Smart Teams. Haslle helps you manage company budgets, purchases and subscriptions using smart payment cards collaboratively with your team. Get a Virtual Bank Account for Spending. Approve Budgets, Purchases, Invoices and Subscriptions. Issue virtual and physical cards and control purchase process. Collect Data, Receipts and Invoices. Boost Analytics and Decision Making. Integration with your Accounting and ERP. Approvals on the go. Easily approve company budgets, purchases, payments, invoices and subscriptions, using data at the touch of your fingertips. Empower Your Teams while staying in control. Have your teams make better decisions and improve what you purchase over time. Choose vendors and aggregate invoices to get better discounts between departments. Smart Company Cards that track Expenses make chasing receipts a thing of the past.Starting Price: $200 per user, per month -
23
Oxygen
Oxygen
You’re burning with ambition. You’re a pioneer. At Oxygen, we invite you to partner with us. Launch yourself with mobile business banking built for you. We want you to win. Breeze through the process of incorporation in the Oxygen app – wherever you are in the US. With no monthly fees to tie you down, you can enjoy our 24/7 banking services without the bills. Create one-time use cards with no fear of sharing your Oxygen Visa® Business Debit Card details. You can control monthly spend, merchants authorized, and freeze or cancel virtual cards with a tap. Earn instant cashback rewards (5%) at approved merchants using your Oxygen Visa® Business debit card. No games, gimmicks or tricks – just real money. Handy integration with SaaS accountancy tools means you can tie up all your financials in real time.Starting Price: Free -
24
Regate
Regate
Regate automates your financial and accounting management and saves you time on a daily basis. 100% integrated with your accounting software, you benefit from real-time accounting that is always up to date. Regate has been designed to reduce the number of tools and save time for accountants and finance managers. Regate provides an intelligent, collaborative platform that makes your day-to-day accounting easier, understands, automates, and gives you greater control over your business. Save 90% of your invoice and payment processing time. Generate the right accounting entries and automate the retrieval of your receipts. Pay by SEPA transfer or directly by card, without ever connecting to your bank. Reconcile cost management and accounting monitoring on the same platform. Benefit from a unified and real-time view of all your accounting. Equip your teams with virtual and physical cards adapted to each need and follow all their operations in Regate.Starting Price: Free -
25
B4B Payments
B4B Payments
Smart and savvy businesses save time, money, and hassle with our end-to-end card issuing and payment solutions. Issue as many cards as you need, ten or tens of thousands, delivered directly to the cardholder, to you, or virtually. Whoever you need to get funds to, take control of your spending with our card management platform. Simplify and streamline your expense, surprise, and delight with rewards and incentives or make secure cash payouts on a card. Our scalable payment solution is a convenient, cost-effective way to manage high volumes of local and international payments, with low-cost foreign exchange rates and no hidden fees. We offer everything you need to manage all your business payments in a single powerful platform. Bring your innovative payment or card proposition to market fast and without hassle, with access to our regulatory permissions, scheme licenses, product expertise, and industry partnerships.Starting Price: Free -
26
Expensemate
Expensemate
We are a business expense management software package linked to prepaid Mastercard®, enabling hassle-free management of company expenses. Increase visibility and control over expenditure, remove manual expense reports and eliminate administrative complexity, we will revolutionize finance in your business. Empower your team to buy on the job. Control who spends what and where. Remove staff reimbursements, no more missing receipts. Accepted by more than 30 million merchants worldwide, where Mastercard® is accepted. Our prepaid Mastercard® supports in-store payments, contactless transactions, chip and pin, and online purchases. Prepaid cards work like a debit or credit card, you just need an available balance on your account to make a transaction. You can set limits and restrictions on the card and proactively monitor spending. Once a transaction is completed, the users receive a push notification to capture their receipt.Starting Price: $7.94 per card -
27
Validus
Validus
Small and medium businesses deserve more attention and financial support. That’s why we’re building better business finance to drive a bigger impact for small businesses and their communities. Our relationships matter to us. So does making your life easier. Our finance solutions are designed to power growth for businesses of all sizes, across all industries. With just 2 documents, you can apply for loans digitally in minutes, receive approval and get funds within 1 day. Our next-gen finance tools, from cards and expense management to money transfers and accounting, help you enjoy upsized time and money savings. Instant working capital loans to grow your business and manage operational expenses. Track and manage all company expenses in real-time, on the go. Create unlimited virtual corporate cards for free. Add to your Google Pay wallet to use in-store. Earn cashback on all card spends. Get payment alerts on your mobile.Starting Price: Free -
28
Equals Money
Equals Money
Take control of your business expenses with Equals Money cards to use around the world and monitor spending in real time. With a deep understanding of your industry, dedicated service, and a flexible product offering, the enterprise model fits your unique requirements. Empower your teams to spend around the world, wherever they’re working, while you stay in control of balances and permissions. Set permissions based on team roles, manage balances, and order cards for new staff, all in a matter of clicks. Cards can be used in over 190 countries at 35 million locations, so your team can spend securely wherever they’re needed. Save on the fees that come with using credit cards overseas and wave goodbye to discovering hidden charges when working through expenses. Your team can earn up to 3.5% cashback at major UK retailers that will automatically be credited to your business’s account. Make global business payments to suppliers, partners, staff, and clients.Starting Price: $62.83 per year -
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Pluto
Pluto
Whether you start with one module or adopt the whole platform, Pluto helps your business save time & money. Get smart, virtual, and physical cards for your entire team with automated budget controls, receipt policy enforcement, and compliance management. Improve your vendor relationships and reduce duplicate payments by maintaining a centralized place for all your bills, approvals, and payments. Make local or international payments via one-click wire transfer to 140+ currencies or by using Pluto corporate cards. Digitize and eliminate petty cash vouchers. Manage your employee’s cash on hand & receipts directly on Pluto. Don’t let cash leakages eat away at your bottom line. Allow your employees to submit reimbursement requests with ease. Get the right approvals in place with custom approval workflows. Instantly reimburse employees in bulk and surpass your finance team’s KPIs. Send weekly automated financial reports to your CFO and other executives.Starting Price: Free -
30
Pemo
Pemo
Eliminate expense hassle with Pemo’s corporate cards and all-in-one spend management software. Pemo is an all-in-one spend management solution designed to streamline financial operations for businesses in the Middle East and North Africa (MENA) region. It offers corporate cards, both virtual and physical, that automate expenses, providing real-time visibility into transactions and enabling businesses to set customized spending limits and rules. Pemo's platform consolidates every invoice, expense, approval, and spending decision, facilitating efficient expense management and eliminating the need for traditional expense reports. The system also automates invoice payments, allowing users to collect, approve, and pay invoices seamlessly, with features like automatic data extraction and streamlined approval workflows. Integration with popular accounting software ensures that financial data is synchronized, aiding in faster book closures and enhanced financial oversight.Starting Price: $15.79 per month
