I wonder if you can prepay using a card ? But otherwise to answer your potential question, I understand OP as I like to prepay things like my phone operator. I put 500 USD there, and come back one year later. This way it can free-up my limit of 10 virtual cards I have, and most of all, can keep their limits as close as possible to the minimum. If you have a mix of services on the same card it is much more difficult and more risky. If you have 100 USD + 50 USD + 25 USD + 75 USD + 60 USD in monthly spend. Then you have 310 USD at risk, when your risk could be way lower.