A virtual card can stop a subscription charge even when a merchant stalls cancellation — Privacy.com is the most flexible standalone service in 2026. Capital One's Eno numbers and Apple Card's regenerable virtual number work well if you already hold those cards. Remember the limit, though: closing a card blocks payment but doesn't cancel the contract. To end the subscription itself, Rocket Money surfaces charges from 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 (24 cards), Pro $10/mo (36 cards), Premium $25/mo (60 cards) — privacy.com/pricing, checked August 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. Capital One's own pages confirm eligible customers can also use virtual cards through Google Pay.
- Bank connection
- Required — works only with an eligible Capital One credit card account
- Platforms
- Browser extension (Chrome, Firefox, Edge)
- Pricing
- No separate fee for eligible Capital One cardholders; enrollment in the extension is required
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
- Virtual cards are included on Revolut plans; card counts and terms vary by plan and region (Revolut's site blocks automated checks — verify current details)
Historically issued masked (virtual) card numbers to shield your real number, alongside identity and password tools. As of August 2026, ironvest.com no longer lists masked cards at all — the site markets business-facing fraud-prevention products (ActionID identity verification and payment-fraud tools). Treat the consumer masked-card feature as unavailable and choose an actively supported issuer instead.
- Bank connection
- Required when active — links bank/card accounts to fund masked cards
- Platforms
- Web, browser extension, iOS, Android
- Pricing
- Not published for consumers — its site now markets business fraud-prevention tools by demo
Consumer masked cards no longer listed on ironvest.com as of August 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. After OneMain Financial acquired it, the standalone consumer product was retired, and its remaining features are aimed at OneMain's own customers. 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
Standalone Trim retired; remaining features are geared to OneMain customers
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