This is an excellent one and one I’ve been dreading getting to. I have a system that works great among several credit cards all setup to optimize cash back and track certain spending my having specific purposes for the various cards. These are all mainstream providers, although I haven’t looked I can assume the privacy policies are not great.

I’d love a service that could offer both an internally good privacy policy as well as allowing for many virtual cards that don’t require a real name to validate. I could envision a service that works like this…

• Still a credit card.
• Unlimited or near unlimited virtual cards, no real name required with merchant to validate.
• Similar protections as other credit cards regarding fraud etc, generally accepted as much safer than using debit.
• Binning to allow categories for the various virtual cards (only really helpful for tracking purposes, guess this could always be done by hand).
• Decrease cash back amount - say 0.5 % with the difference between the more typical 1-3% based on category being extra profit to offset what is lost by not sharing any customer data with other parties.

I realize Privacy.com probably comes close on some of these but works more like a debit card from what I understand. Of course cash is the best but I’m not sure that convenience tradeoff is one I’m ready to make yet, but more power to you. That is a LOT of personal data not bouncing around various parties.