Privacy.com: Virtual Cards

Privacy.com: Virtual Cards

Protect Your Payments

7.1K ratings
154 reviews
Free
With Ads

Details

  • Released
  • Updated
  • March 29, 2016
  • June 1, 2026

Features

Privacy.com: Virtual Cards screenshot #1 for iPhone
Privacy.com: Virtual Cards screenshot #2 for iPhone
Privacy.com: Virtual Cards screenshot #3 for iPhone
Privacy.com: Virtual Cards screenshot #4 for iPhone
Privacy.com: Virtual Cards screenshot #5 for iPhone
Privacy.com: Virtual Cards screenshot #6 for iPhone
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About

Safeguard your online transactions by creating virtual payment cards. Protect your actual financial details from compromised cards, unexpected charges, and recurring subscription fees. Enjoy enhanced security and control over your spending with customizable limits and real-time monitoring.

Create virtual payment cards
Merchant-locked cards
One-time-use cards
Customizable spending limits
Real-time transaction monitoring
Pause/unpause/close cards
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What users say

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What's New in Privacy.com

3.3.28

June 1, 2026

Bug fixes and improvements

Events

Read more about Cashback Control

Cashback Control

Let your cashback accrue or use it right away.

Jan 29, 2026 Feb 28, 2026

User reviews

Thieves

Declined a merchant locked purchase, then immediately accepted the purchase AT A HIGHER PRICE. “Support” claimed it wasn’t the same merchant, it was and it went thorough at a higher price on the merchants second attempt seconds later, and they told me to click something that didn’t exist to fix it. They told me they would give me a $5 credit for the trouble their incompetence caused. They did NOT. I replied, they were silent. I eventually refunded my purchase to buy it AGAIN on a real HONEST card. The real price was refunded, but the extra HIGHER price was not. It’s been a week and NOTHING has changed and THEY are keeping that extra HIGHER charge that apparently THEY snuck in to steal from me since the merchant NEVER charged that and refunded everything they took. Avoid these thieving, lying criminals at all costs. They will be reported at several more places for their crimes.
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"Account in Review" for a week

My account has been stuck in "account in review" mode for a week now. I work for a bank so I know it does not take this long to check into someone's financial history with other institutions or even OFAC. I don't know what the hold up was but I gave up and closed my account.

Amazing customer support!

I’ve had an account for several years. Amazing service and product. Quit using for a couple years, had issues getting back into my account. I emailed support and they helped friendly, efficiently. 5 stars for sure for this company.

Privacy.com doesn't adhere to privacy at all.

The whole point of this is supposed to be about privacy. First thing I'm asked is to give my personal information, including the last 4 of my social... Then when this app magically 'can't verify my identity,' it asks for my full social security number... Uh, no. You don't need that or any of my personal information unless you're looking to sell it.
Privacy.com isn't about privacy at all, it's about data brokering.
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The gold standard!

This app is a lifesaver and then some, it prevents greedy subscription charges from taking your money! You can pause cards create new ones and it's legit, it makes it so your privacy stays with your original funding source! The best app ever! I'm shocked more people don't know about it. The customer service is even better!
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User experience

🐞

Reported Bugs

5 issues

Half of the time I cannot open the app after it was closed as FaceID is broken and disables keyboard entry

Bug

Automatically pausing cards set up for annual payments

Bug

Transactions being authorized multiple times on one-time use cards

Bug

App crashing issues

Bug

Compatibility issues with newer debit cards

Bug

Requested Features

6 requests

Ability to search transactions by dollar amount

Feature

Option to hide closed cards

Feature

Ability to preload cards for budgeting

Feature

Option to set cards back to no limit

Feature

Landscape mode support

Feature

Browser extension

Feature

FAQ

What does Privacy.com do?

This app allows you to create virtual payment cards to protect your actual credit or debit card information during online transactions. It helps prevent fraud, unwanted charges, and manage subscriptions by providing a layer of security and control over your spending.

How do virtual cards from Privacy.com work?

You can create virtual cards that are either locked to a specific merchant or designed for one-time use. Merchant-locked cards can only be used at the first merchant they're used with, preventing misuse if that merchant's data is compromised. One-time-use cards automatically close after a single transaction.

Is there a cost to use Privacy.com?

The core product is free to use for domestic transactions, as the service collects transaction fees from merchants. You can create virtual cards, set spending limits, and monitor transactions without upfront costs for basic usage.

What are the benefits of using Privacy.com?

Key benefits include shielding your true financial information from merchants, creating secure merchant-locked or one-time-use cards, and gaining complete control over your spending with customizable limits. You also receive real-time transaction notifications and can easily manage your virtual cards.

Can I use these virtual cards everywhere?

Privacy Cards can be used at most merchants that accept credit and debit cards. The app is designed to provide enhanced security and control for your online purchases, protecting you from common payment-related risks.