Virtual Cards

Free virtual business debit cards

Create instant virtual cards for online purchases, ad spend, and subscriptions. Set limits, tie to sub-accounts, and cancel anytime.

1.75% APY† • Zero fees^ • FDIC insured to $3M*

Why virtual cards are the future of business spending

Instant, disposable, controllable — and free

Generate a virtual card in seconds. Get a unique card number, expiration, and CVV immediately — no waiting for physical delivery.

Create one-time cards for risky online purchases or recurring cards for subscriptions. Cancel a card to cancel the subscription.

Each virtual card is a unique number. If one is compromised, cancel it without affecting your other cards or main account.

Tie each virtual card to a specific sub-account. Ad spend draws from marketing. Software draws from operations. Automatic categorization.

Separate virtual cards for each ad platform. Set monthly limits matching your ad budget. Spend auto-categorizes.

One virtual card per subscription. Cancel the card to immediately stop billing. See all subscriptions in one view.

Create a single-use virtual card for a risky online vendor. The card number expires after one transaction.

Issue virtual cards to team members with specific limits. No need to share a company card number.

Use a disposable virtual card for free trials. No surprise charges when you forget to cancel.

Create a virtual card for each vendor. Track spending per vendor automatically in your accounting.

How fast can I create a virtual card?

Instantly. Generate a new virtual card in seconds from your Holdings dashboard. It's ready to use immediately.

Are virtual cards free?

Yes. Create unlimited virtual cards at no cost. No issuance fees, no monthly fees, no per-transaction charges.

Can I create single-use virtual cards?

Yes. Create cards that auto-deactivate after one transaction — ideal for one-time purchases or risky vendors.

What happens if a virtual card number is stolen?

Cancel it instantly and create a new one. Only that specific card number is affected — your other cards and main account are untouched.

Can I use virtual cards for recurring subscriptions?

Yes. Create a recurring virtual card for each subscription. When you want to cancel, just deactivate the card.

Where are virtual cards accepted?

Holdings virtual cards are on the Visa network and accepted anywhere Visa is accepted online.

Open your account in minutes. No branch visits, no paperwork, no fees.

1.75% APY† • Zero fees^ • FDIC insured to $3M*