How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Privacy.com gives US shoppers merchant-locked virtual debit cards, but it only works with a US bank account, so non-US readers need a different tool.
- Revolut and Wise are the strongest general replacements, because both offer virtual cards plus multi-currency accounts for international spending.
- Capital One Eno and Citi Virtual Account Numbers cost nothing extra, but they only work if you already hold an eligible card with that bank.
- IronVest and MySudo go further than card masking by adding masked emails and phone numbers to the same subscription.
- Business buyers should look at Ramp and Extend instead, since those tools are built for team spending controls rather than personal shopping.
Quick comparison
| Tool | Best for | Starting price | Free plan |
|---|
 Revolut | International shoppers and travelers | Free | Yes |
 Wise | Multi-currency spending | Free | Yes |
 Capital One Eno | Existing Capital One cardholders | Free | Yes |
 Citi Virtual Account Numbers | Existing Citi cardholders | Free | Yes |
 IronVest | Full identity masking | See website | No |
 MySudo | Separate personas for sign-ups | $1.99 per month | No |
 Ramp | Business team spending | Free | Yes |
 Extend | Virtual cards on a business card | See website | No |
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Starting priceFree
Free planYes
Revolut is the closest general replacement for Privacy.com, and in some ways it is more flexible. You can create a disposable virtual card that changes details after each purchase, which gives you single-use protection without setting up a new card for every store. You can also create multi-use virtual cards for subscriptions, and paid plans raise the number of active cards you can hold at once. The multi-currency account is the real advantage over Privacy.com: you can hold and spend in dozens of currencies at rates close to the mid-market rate, which makes Revolut a strong pick for travelers and cross-border shoppers.
The limits matter. In the United States, Revolut accounts are prepaid debit accounts rather than full bank accounts, so features differ from the UK and European versions. Free plan users face caps on how many new virtual cards they can create each month, and customer support runs through the app rather than by phone. Even with those limits, the free tier covers the core Privacy.com use case, and paid plans start at $9.99 per month for readers who want more cards and higher limits.
What we like- Disposable single-use cards
- Multi-currency accounts
- Up to 20 active virtual cards on higher plans
Watch out for- US accounts are prepaid debit, not full bank accounts
- Card creation limits on the free plan
- Support is app-based
#2Wise
Best for: Multi-currency spending4.7/5 on
G2 (11 reviews, checked Oct 2026)
Visit wise.com
Starting priceFree
Free planYes
Wise is a multi-currency account with a debit card, and its digital cards work well as a Privacy.com substitute for people who spend across borders. There is no monthly fee, and you can hold balances in more than 40 currencies, converting at the mid-market rate with a stated conversion fee. You can hold up to three digital cards at once, and you can replace card details up to three times a day, which gives you a basic way to retire a compromised number. The Wise card costs about $9 in the United States, and issuance is free in some other markets.
Wise is not a privacy tool in the Privacy.com sense. It does not offer merchant-locked numbers or true single-use cards, so a stolen number is not confined to one store. What it offers instead is cheap international spending with transparent fees, which is the weak point of Privacy.com on its lower tiers. If your main goal is to stop a breached card number from being reused elsewhere, Revolut or IronVest fits better. If your main goal is to shop in other currencies without heavy fees, Wise is hard to beat.
What we like- Mid-market exchange rates
- Up to 3 digital cards at once
- No monthly fee
Watch out for- No merchant-locked or single-use card option
- Card replacement limits apply
- Not a privacy-first tool
Starting priceFree
Free planYes
Capital One Eno is the simplest Privacy.com alternative for anyone who already holds a Capital One credit card. Eno creates virtual card numbers linked to your existing card, and you can choose a merchant-specific number that only works at one store, which mirrors the core Privacy.com feature. There is no extra cost, no separate account to fund, and purchases still earn the rewards of your underlying card. Setup takes minutes inside the Capital One app or browser extension, and you can manage numbers from the same dashboard as your real card.
The limits are clear. You need an eligible Capital One card to use Eno at all, so it is not an option for readers with other banks. Virtual numbers work for US online purchases, and they cannot be added to Apple Pay or Google Wallet, so they do not help for in-store tap payments. If you already bank with Capital One, Eno is the obvious first choice, and it costs nothing to try. If you do not, one of the standalone tools below is a better fit.
What we like- No extra cost
- Merchant-specific numbers available
- Keeps your existing rewards
Watch out for- Requires an eligible Capital One card
- US online purchases only
- Numbers cannot be added to Apple Pay or Google Wallet
#4
Citi Virtual Account Numbers
Best for: Existing Citi cardholders
Visit citi.com
Starting priceFree
Free planYes
Citi Virtual Account Numbers work the same way as Eno: they give eligible Citi cardholders a substitute card number for online shopping, so your real card number stays out of merchant databases. There is no extra charge, and the feature is built into Citi's online banking and app, so there is no new account to open or fund. For a one-off purchase from an unfamiliar store, a virtual account number gives you a clean way to pay without exposing the number printed on your card.
As with Eno, the catch is eligibility. You need a Citi card that supports the feature, and exact options vary by card type, so two Citi customers may see different controls. Citi also does not offer the merchant-locked spending caps and per-card pause controls that make Privacy.com feel like a privacy tool rather than a card feature. For Citi customers, though, it is free, instant, and good enough for most online purchases, and it pairs well with a separate tool like IronVest for sign-ups that need a masked email too.
What we like- No extra cost
- Numbers tied to your Citi card
- Useful for one-off purchases
Watch out for- Requires an eligible Citi card
- Features vary by card
- Not a standalone product
Starting priceSee website
Free planNo
IronVest, formerly known as Blur, takes a wider view than Privacy.com. Instead of masking only your card number, it masks your email address and phone number too, so a sign-up form never sees your real contact details. The masked card is a prepaid Mastercard debit card, and you can create several active cards depending on your plan, with a free tier for masked emails and a paid tier for cards. That bundle matters because data breaches rarely expose only card numbers: leaked emails and phone numbers feed phishing and spam for years after the breach itself.
The trade-offs are price and availability. IronVest cards are limited to US residents, and card funding carries fees on some plans, so heavy users should check the current fee schedule before committing. The free tier does not include masked cards, so you need a paid plan for the full Privacy.com replacement. For readers who want one tool to cover shopping, trial sign-ups, and newsletter forms, IronVest is the most complete option on this list, and its masked email feature alone is worth the price for people who sign up for many services.
What we like- Masked emails, phone numbers, and cards in one tool
- Prepaid Mastercard debit
- Useful for sign-ups beyond shopping
Watch out for- Paid only
- US residents only for cards
- Funding fees apply on some plans
Starting price$1.99 per month
Free planNo
MySudo organizes your digital life into personas, called Sudos, and each persona can have its own phone number, email address, and Mastercard. That structure suits people who want strict separation: one persona for shopping, one for work, one for dating, and so on. If a merchant in one persona is breached, the card and contact details in your other personas stay untouched. Plans start at $1.99 per month and rise to $14.99 per month for more personas, and each purchase carries a small fee on top of the subscription.
The limits are the persona cap and the fees. Even the top plan allows only nine personas, and the per-purchase fee adds up for frequent shoppers, so MySudo is not the cheapest way to generate many throwaway cards. It is also limited to US residents shopping at US merchants. Where MySudo wins is organization: if you already think in terms of separate identities for different parts of your life, its persona model is easier to manage than a long list of unrelated virtual cards.
What we like- One Mastercard per persona
- Masked phone numbers and emails
- Good for compartmentalizing your life
Watch out for- Limited to 3 to 9 personas
- Per-purchase fees apply
- US residents and US merchants only
#7Ramp
Best for: Business team spending4.8/5 on
G2 (2,540 reviews, checked Oct 2026)
Visit ramp.com
Starting priceFree
Free planYes
Ramp is a business spend platform, and it belongs on this list because many Privacy.com users are actually small business owners who want controlled cards for staff and subscriptions. Ramp issues unlimited virtual cards, each with its own spending limit, merchant restriction, and approval rule, and it connects to accounting tools so receipts and categories flow into your books. The core platform is free, with paid tiers for advanced controls and travel features, which makes it a low-cost way to replace a stack of shared company cards.
Ramp is not a personal tool. You need a business account, and approval depends on your company profile, so individual shoppers should look elsewhere. For teams, though, Ramp solves a problem Privacy.com never tried to solve: giving each employee and each vendor a card with limits you control, and seeing all of it in one dashboard. If your Privacy.com use is really business spending in disguise, Ramp is the upgrade.
What we like- Unlimited virtual cards
- Per-card and per-employee limits
- Accounting integrations
Watch out for- Business only
- Requires a Ramp account and approval
- Not for personal shopping
Starting priceSee website
Free planNo
Extend takes a different approach from Ramp: instead of opening a new account, it issues virtual cards drawn from a business credit card you already hold, working with partner banks in the United States and Canada. That means your team keeps the same credit line and rewards program, while each vendor or employee gets a separate virtual number with its own limit and expiry. You can create unlimited virtual cards, and controls live in the Extend dashboard rather than in your bank portal.
The catch is availability. Extend works through bank programs, so whether you can use it depends on your bank and card, and pricing varies by program rather than being listed as one flat rate. It is also business only, so personal shoppers gain nothing here. For companies that like their current business card but want Privacy.com style controls on top of it, Extend is the least disruptive option, since nothing about your underlying account changes.
What we like- Virtual cards issued from your existing business credit card
- Unlimited cards
- Keeps your existing rewards and credit line
Watch out for- Business only
- Availability depends on your bank program
- Pricing varies by bank
How we chose
We compared tools that replace the core Privacy.com job: paying online without exposing a reusable card number. We favored tools with a clear way to create, limit, pause, or retire a number, and we weighted availability, since Privacy.com only serves US residents. We also checked whether each tool is a standalone product or a feature tied to one bank, because that decides who can actually use it. Prices and limits come from vendor pricing pages and current guides, and where guides conflict we list the vendor figure or mark the price as See website. We did not test any tool hands-on, and we did not list tools that have shut down or that only serve one narrow niche.
Buying guide
Start from your situation, not from the feature list. If you already hold a Capital One or Citi card, try Eno or Citi Virtual Account Numbers first, because they cost nothing and take minutes to set up. If you travel or shop across borders, Revolut or Wise will save you more in foreign transaction fees than any card-masking feature is worth. If you sign up for many services and want your email and phone masked too, IronVest or MySudo is worth paying for, and the persona model of MySudo suits people who like strict separation.
For business spending, do not stretch a personal tool to fit. Ramp and Extend are built for team limits, receipts, and accounting, and they will save more time than a personal virtual card tool used at work. Whatever you choose, check three things before you rely on it: whether the card works at the merchants you actually use, whether foreign transaction fees apply, and how fast you can pause or close a card when something looks wrong. A virtual card only protects you if you can kill it quickly, so test the pause control on your first card before you trust it with a subscription.
Frequently asked questions
Is Privacy.com still free?
Privacy.com offers a free personal plan with a monthly cap on new cards, and paid plans from $5 per month raise that cap and remove foreign transaction fees. The tools on this list include free options too, but free plans always come with limits, so check the current cap before you switch.
Do virtual cards work for subscriptions?
Yes, if you use a multi-use or merchant-locked card rather than a single-use number. Set the spending cap above the subscription price, keep the card active, and remember that pausing the card will block the next renewal, which can be a useful way to cancel a trial.
Can I use these tools outside the United States?
It depends on the tool. Revolut and Wise serve many countries, while Privacy.com, IronVest, MySudo, and the bank features from Capital One and Citi are US focused. Check availability for your country before you sign up, since account features vary by market.
Are virtual cards safer than a regular credit card?
Virtual cards limit the damage from a breach, because a stolen number only works at one merchant or for one purchase. They do not replace fraud protection on your underlying card, and they do not protect you from phishing or from a merchant that never ships your order, so keep normal caution alongside them.
What happens if a merchant is breached?
Pause or close the affected virtual card at once, then check your underlying account for charges you do not recognize. Because the number was limited to that merchant, the attacker cannot reuse it elsewhere, which is the main advantage over a single card number used everywhere.
Should I pick a bank feature or a standalone tool?
Pick the bank feature if you already hold an eligible card and only shop online in the United States, since it costs nothing. Pick a standalone tool if you need multi-currency spending, masked emails, or cards that work outside one bank, since bank features cannot cover those cases.
Sources we checked (0)
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.