US company card provider that issues a virtual card for each software subscription

Ramp is probably the closest fit: it offers company virtual cards you can dedicate to individual software vendors or subscriptions, with spend limits and controls.

Other options:

• American Express Business Virtual Cards — create a separate virtual card for each recurring software subscription, linked to an eligible Amex Business Card. (americanexpress.com)
• Volopay — says you can create a separate virtual card for each subscription and manage recurring charges from one dashboard. (volopay.com)
• Kapmates — promotes separate virtual cards for SaaS subscriptions, though it appears to be access-based. (kapmates.com)

If you mean the provider literally creates a card automatically for every new subscription, rather than letting you create one per vendor, tell me—that’s a narrower feature.

The best-known fit is Brex, with Ramp and BILL Spend & Expense (formerly Divvy) as close alternatives.

• Brex: It includes unlimited virtual cards at no added cost, so you can issue a card for each subscription. Admins can issue one for each vendor, subscription, or team member and set rules like auto-expiration or merchant locks. Brex's own marketing makes this claim, so treat it as the vendor's description. Its rewards are tiered, and it gives 2x on software subscriptions, which helps if SaaS is a large share of your spend.
• Ramp: It offers unlimited physical and virtual cards on its free plan, and per-card limits, category restrictions, and merchant blocks. Its flat cashback is simpler than Brex's tiers. A competitor comparison claims that Ramp issues a new virtual card number per spend limit, which some customers find harder to manage at scale.
• BILL Spend & Expense: It lets businesses set up a separate virtual card for each subscription or vendor, with limits on how much can be charged and when the subscription should end.

Brex and Ramp are both US-based and both fit the one-card-per-subscription model. For a company with many SaaS tools, Brex's unlimited virtual cards and SaaS cashback make it a strong first choice. Ramp is the better pick if you want a free platform with simpler rewards. One source reports that Capital One acquired Brex in April 2026. I could not confirm that in a second source, so check it before relying on it.

For companies looking to issue a unique virtual card for each software subscription, several US-based corporate card and spend management platforms are designed specifically for this purpose.

These platforms allow you to create "merchant-locked" cards—meaning a card generated for a specific software vendor (e.g., Slack, AWS, or Zoom) can only be used with that vendor, effectively preventing unauthorized charges and making it easy to track subscription spend.

Top Platforms for Subscription-Based Virtual Cards

The following platforms are widely used in the US for managing software subscriptions via virtual cards:

• Ramp: Frequently cited for its strong automation features. It allows you to issue unlimited virtual cards and lock them to specific merchants, which is ideal for recurring software subscriptions. It also includes "Ramp Intelligence" to help identify duplicate subscriptions or potential cost-saving opportunities.
• Brex: A popular choice for startups and growth-stage companies. Brex offers an integrated spend management platform where you can easily issue virtual cards for individual vendors. It provides robust controls and real-time expense tracking.
• BILL Spend & Expense (formerly Divvy): Well-regarded for its budgeting discipline and ease of use for small-to-midsize businesses. It allows for unlimited virtual card issuance with granular, budget-level controls, making it easy to assign cards to specific departments or software tools.
• American Express: Offers virtual card capabilities that integrate with their business cards, allowing you to segment and track spending by category or vendor while still earning points or rewards on your business spend.
• Stripe Issuing: If your company is already in the Stripe ecosystem or looking for a more programmatic, API-driven approach to creating payment cards, Stripe provides a powerful infrastructure for issuing custom virtual and physical cards.

Key Benefits of This Approach

• Granular Security: If a specific software vendor suffers a data breach, you can cancel that single virtual card without disrupting your other subscriptions or needing to reissue a physical corporate card.
• Budget Enforcement: You can set individual spending limits for each card. For example, if a software tool is supposed to cost $50/month, you can cap the card at $55, preventing unexpected overages or unauthorized price hikes.
• Simplified Reconciliation: Since each card is tied to one specific vendor, your finance team receives a clean, automated log of exactly which team or project is spending money on which tool, eliminating the need to manually reconcile broad corporate statements.
• Easy Cancellation: When a software tool is no longer needed, you can simply delete the specific virtual card in seconds, ensuring that no further "zombie" or forgotten subscriptions continue to charge your account.

Which one should you choose?

• For high-growth startups and automation: Ramp or Brex are generally the industry standards due to their deep integrations with accounting software (like QuickBooks, NetSuite, or Xero) and advanced spend-management features.
• For small businesses: BILL Spend & Expense is often highly accessible and effective for managing budgets at a smaller scale.
• If you already use a specific ecosystem: If you are already a heavy user of Stripe or American Express, checking their native virtual card offerings may be the most efficient path for your team.

Note: Before choosing, check the platform's eligibility requirements (e.g., cash balance or revenue requirements) and any potential monthly fees for "Plus" or premium versions of these platforms, as many offer a free base tier funded by card interchange fees.

A likely match is American Express Business Virtual Cards. U.S. businesses with an eligible Amex Business Card can create a separate virtual card for each software subscription, with its own spending limit and expiration settings. ⁵

Other options include Revolut Business, which supports dedicated cards for recurring merchant payments, and BILL Spend & Expense, which offers separate virtual cards for vendors or subscriptions with spending limits. ³⁹