In 2025, the virtual card market is increasingly catering to individual users. Tools that were once available only to businesses are now accessible to everyone. One such solution is virtual cards with no spending limits.
Traditional bank cards impose transaction limits on international purchases due to security measures, bank policies, or payment system restrictions. However, in an era of digital nomads and evolving consumer expectations, such limitations have become outdated. People require financial mobility and convenience.
This article provides an overview of three virtual card services — Spend, Payoneer, and Ezzocard. These services support unlimited spending and are accepted worldwide.
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Spend
Spend.net is a financial platform that issues virtual cards for various purposes. Users can choose between advertising-specific cards and universal dollar-denominated cards. All cards are free and can be used globally, as they are powered by Visa and Mastercard.
The key advantage of SPEND is cashback on every purchase. Regardless of how the card is used, users receive an automatic refund of 1% of the amount spent.
The service imposes no spending or issuance limits. Users determine their own expenses and the number of cards they wish to generate. Additionally, users can adjust replenishment fees — the minimum fee is typically 2%, while all other transactions, including declined payments, currency conversion, refunds, and withdrawals, have zero fees.
Service features:
- Security: 3D Secure for transaction verification
- Funding methods:
- Cryptocurrency support: USDT, BTC
- Ability to select a preferred cryptocurrency in the user account
- Registration:
- Quick sign-up via Google account
- Alternative registration via email
- Customer support:
- 24/7 live chat with managers
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Payoneer
Payoneer virtual cards support major international currencies, including USD, EUR, and GBP. They can also process transactions in other currencies through a built-in conversion mechanism. The cards operate on the Visa and Mastercard networks.
Payoneer offers multiple commission structures and spending limits. Payments made in USD and EUR are fee-free, but a 2% withdrawal fee applies when transferring funds to a bank account. ATM withdrawals incur a 3.5% fee plus a fixed charge of $3.15 (for non-USD withdrawals, the fee is 1.8% plus $3.15).
For spending, the daily card limit is $200,000, subject to certain conditions. The daily ATM withdrawal limit is $5,000.
Service features:
- Security: Two-factor authentication
- Funding methods:
- Cryptocurrency support: USDT, BTC
- Ability to select a preferred cryptocurrency in the user account
- Registration:
- Standard registration via the Payoneer website (with identity verification)
- Alternative sign-up via the mobile app
- Customer support:
- 24/7 live chat in the mobile app
- Priority support for premium users
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Ezzocard
Ezzocard is a prepaid virtual card service that allows users to create an unlimited number of single-use cards for online payments. These cards are ideal for digital services and subscription payments, as they are also based on Visa and Mastercard. However, Ezzocard does not offer unlimited spending per card.
Cards are available in fixed denominations ranging from $10 to $2,000, but there is no limit to how many cards a user can generate. Issuance takes just a few clicks.
There are no deposit fees, but a 1% transaction fee applies to all purchases.
Service features:
- Security: Not specified
- Funding methods:
- Cryptocurrency support: BTC, ETH, LTC, BCH, DOGE, XRP, BNB, USDT, USDC
- Other methods: PerfectMoney, WebMoney
- Registration: Not required
- Customer support:
- Available via email and live chat on weekdays during business hours
Unlimited virtual cards provide financial flexibility for international transactions. Services like Spend, Payoneer, and Ezzocard enable seamless global payments while offering varying levels of security, fee structures, and convenience.
The right choice depends on individual needs. Spend is ideal for users prioritizing cashback and low fees. Payoneer suits those needing multi-currency support. Ezzocard is a preferred option for users seeking anonymous prepaid solutions.
As digital financial tools continue to evolve, virtual cards are becoming increasingly popular among users who value mobility, privacy, and global accessibility. In 2025, we can expect further advancements, including flexible spending limits, enhanced security features, and support for additional cryptocurrencies. Emerging services may also introduce dynamic spending limits and built-in analytics for expense tracking, further refining the virtual payment experience.
