For blocking a charge at the payment level, Privacy.com is the most flexible standalone virtual-card service; Capital One's Eno numbers and Apple Card's virtual number work well if you already hold those cards. To find and cancel subscriptions instead, Rocket Money scans linked accounts, while Gravity offers no-card, guided cancellation on iPhone.
There are two very different ways to get subscriptions under control. Virtual card services (Privacy.com, Capital One Eno, Apple Card, Revolut) hand a merchant a disposable or lockable card number, so you can pause, close, or spend-limit a card to stop a charge without touching your primary account. Subscription managers take the opposite approach: they surface recurring charges and help you cancel the underlying service. Blocking a card is a backstop, not a cancellation, so the two approaches complement each other.
Every product below was checked for live status in 2026 against its own site or an authoritative source. We also flag the graveyard: Intuit shut Mint down in March 2024 (folding it into Credit Karma), Truebill rebranded to Rocket Money, Trim has largely wound down, and IronVest's masked-card feature is currently listed as temporarily unavailable. Pricing is dated where we have it and marked 'Check current pricing' where a figure could not be confirmed.
The most flexible standalone virtual-card service. Generate merchant-locked or single-use card numbers, set per-card spend limits, and pause or close any card to stop a subscription charge without disturbing your real account number. Closing a card blocks the merchant but does not cancel the underlying subscription.
- Bank connection
- Required — links bank/card accounts to fund each virtual card
- Platforms
- Web, browser extension, iOS, Android
- Pricing
- Free Personal tier (up to 12 new cards/month); Plus $5/mo, Pro $10/mo, Premium $25/mo (privacy.com/pricing, as of July 2026)
Eno creates a unique, merchant-locked virtual card number at checkout; you can lock, unlock, or delete a number to shut off a recurring charge, and it keeps working even when your physical card is reissued. There is no standalone signup — you must already hold a qualifying Capital One card.
- Bank connection
- Required — works only with an eligible Capital One credit card account
- Platforms
- Browser extension (Chrome, Firefox, Edge)
- Pricing
- Free for eligible Capital One cardholders
Every Apple Card carries a virtual card number in Wallet for online checkout, separate from the titanium card number. You can regenerate the number to invalidate the old one, cutting off any merchant still trying to bill it. It is one number per card, not per-merchant, so regenerating affects every recurring charge on that number.
- Bank connection
- Required — you must hold an Apple Card
- Platforms
- iPhone / iPad (Wallet app)
- Pricing
- No annual fee; virtual number included for Apple Card holders
Generate standard virtual cards, or single-use disposable cards whose details regenerate after each payment. Freeze or delete a virtual card to block a recurring charge. Note that disposable cards regenerate per transaction and are not designed for recurring billing — use a standard virtual card for subscriptions.
- Bank connection
- Required — cards are funded from a Revolut account
- Platforms
- iOS, Android, Web
- Pricing
- Included on all plans at no extra cost (up to 20 virtual cards)
Historically issued masked (virtual) card numbers to shield your real number, alongside identity and password tools. As of 2026 the masked-card feature is listed as temporarily unavailable pending payment-infrastructure work, and users report a long outage. Confirm the card feature is actually live before relying on it for subscription control.
- Bank connection
- Required when active — links bank/card accounts to fund masked cards
- Platforms
- Web, browser extension, iOS, Android
- Pricing
- Check current pricing
Masked-card feature listed as temporarily unavailable in 2026
A subscription manager, not a virtual card. It scans linked accounts to surface recurring charges, and on the Premium tier can submit cancellation requests on your behalf. Useful for discovering forgotten subscriptions, but it requires linking financial accounts to work.
- Bank connection
- Required — links bank/card accounts to detect and cancel subscriptions
- Platforms
- iOS, Android, Web
- Pricing
- Free tier; Premium is pay-what-you-want $7–$14/month; bill negotiation costs 35–60% of the first-year savings
Rebranded from Truebill in 2022
A private iPhone subscription manager. You add the services you pay for, and it tracks renewal dates and trial deadlines, then gives official-source-verified, step-by-step guidance to cancel any service — you cancel, it guides. It never links financial accounts.
- Bank connection
- Not required
- Platforms
- iPhone (iOS 17+)
- Pricing
- $19.99/month or $59.99/year
Bobby
A minimalist manual tracker that logs what you pay and when and reminds you before renewals. It does not issue cards or cancel anything — it is a lightweight ledger for people who want to see and time their own cancellations without linking any accounts.
- Bank connection
- Not required — you enter subscriptions manually
- Platforms
- iPhone (iOS)
- Pricing
- Free; one-time $2.99 to unlock unlimited tracking
Trim
Trim was a bill-negotiation and subscription-cancellation service. As of 2026 it appears to have largely wound down and is not meaningfully taking on new users; listed here as a warning so you do not waste time signing up. Choose an actively supported alternative instead.
- Bank connection
- Required (when operating) — linked bank/card accounts
- Platforms
- Web
- Pricing
- Check current pricing
Reports indicate Trim has largely wound down; verify it is still operating
Gravity is made by Viral App Labs LLC. Competitor details are drawn from each provider’s own public information and can change; check the provider’s current site before deciding.
Gravity