Start with the kind of card you are buying
A virtual card comparison usually starts in the wrong place, with the network badge instead of the underlying product. Plazo ES names its kind plainly: credit, in a virtual form on a mastercard network. The others are listed only as virtual, virtual and virtual cards, with no borrowing terms given for them, so check the account terms before you commit.
Next, look at what each card is built to do. DolarApp DolarCard is aimed at businesses and lists multi-currency, crypto, virtual-card and travel features on a mastercard network, and was founded in 2023. JBJ Production Haiti is a mastercard virtual card with crypto features but a currency count of 1, which suits a single market rather than a spending life across several. Lynk Visa virtual card pairs visa with travel and multi-currency features, was founded in 2021 and has its base in JM.
Monthly and annual costs
Monthly fees across this group run €0 to €0.88, so the spread is narrow and the decision turns on the extras. DolarApp DolarCard lists a monthly fee of $0 and an annual fee of $0, with its model given as no annual fee. JBJ Production Haiti lists a monthly fee of $0. Cash at a machine is the line that surprises people, since a free monthly plan says nothing about withdrawals: DolarApp's ATM free allowance is $0, and the wider set sits at €0 to €0.23.
The habit worth building is to total what your own spending will trigger instead of stopping at the headline. A card with no monthly fee and no annual fee can still charge for a top-up, a currency conversion or a withdrawal, so put those figures next to each other before you choose, and multiply them by how often you would actually use each one.
Currency costs and loading money
Foreign-exchange cost is the clearest separator in this group. Lynk Visa virtual card lists an FX fee of 0%, DolarApp DolarCard lists 0%, and JBJ Production Haiti lists 0%, while the wider comparison runs 0% to 4%. If you spend in more than one currency, that line should shape the shortlist before any reward does.
Loading money is a separate line, and only one of these brands states one: DolarApp DolarCard charges 3 USDc per USD/EUR/crypto topup (Standard plan) for a top-up on its standard plan. Read that against the multi-currency and crypto features, because a card that holds several currencies and crypto still charges for the act of funding them. Compare the load fee with the FX fee on the same pattern of spending rather than in isolation, and treat any card that states neither as one you have to ask about.
Who holds the money, and how safe it feels
This is the question that separates a virtual card from a virtual account, and it deserves more attention than most comparisons give it. DolarApp DolarCard is custodial, so the balance sits with the provider rather than moving as your own funds, and it pairs that arrangement with in-app card freezing, an extra code at sign-in, further checks on card payments, mobile wallet support, ATM withdrawals and cashback on spending. Plazo ES is a credit card, which is a borrowing arrangement rather than a stored balance, so the two carry different risks on money you have already spent.
Read both structures side by side before you compare charges, because either can look cheap on paper while leaving your money exposed to a provider's own position. Weight the arrangement above the price when the sum involved is money you could not replace. The DolarApp DolarCard review sets that model out in full, and it is the one to read closely if you are comparing custodial and credit options against each other.
Cashback, and whether it changes the maths
Two of these brands pay cashback. Plazo ES lists cashback with a rewards rate of Up to 15% at partner brands, and DolarApp DolarCard lists cashback with a cashback rate of 0.5% to 2%. Read each figure exactly as it is printed rather than as a headline number, because one is tied to partner brands and the other is a band.
A useful test is whether the reward changes your normal spending. Cashback on categories you already use is a small, repeatable gain, while a rate attached to partner brands only pays off if you would shop there anyway. Set against a monthly fee spread of €0 to €0.88 and an FX spread of 0% to 4%, cashback rarely outranks currency cost as the deciding factor for anyone who travels or buys in more than one market.
Card controls and where to get help
DolarApp DolarCard is the most explicit about card controls, listing in-app freezing, an extra sign-in code, extra checks on card payments, mobile wallet support, ATM withdrawals, cashback on spending, and a virtual and physical card on the mastercard network. Help runs through email, chat and help centre, which is a broad set of routes for a card that lives in an app.
Support is a genuine separator. JBJ Production Haiti reaches you through email, chat and phone, DolarApp DolarCard through email, chat and help centre, Lynk Visa virtual card through email, and Plazo ES through chat and help centre. Weight a live chat or a phone line above a help centre when the problem is a payment frozen at a till, and weigh it above cashback as well.
A shortlist you can act on
Put the criteria in this order: card kind and who holds the money first, then monthly and annual fees, then the FX fee and any load fee, then cashback, then support routes. On what is listed here, JBJ Production Haiti is the narrow choice, DolarApp DolarCard the broad multi-currency business option, Lynk Visa virtual card the travel and multi-currency option on a visa network, and Plazo ES the credit option offering cashback at Up to 15% at partner brands.
Use the Virtual cards ranking for the wider field, then the Lynk Visa virtual card review, DolarApp DolarCard review and JBJ Production Haiti review for the accounts in detail. If your priority is moving cash rather than holding a card, KeeCash and Privacy.com cover other parts of the same picture.