Split cards by purpose. Separate limits, separate statements. A problem with one card never touches the others.
ChatGPT Plus, Claude Pro, Midjourney, API credits. US BINs have the highest approval rate.
Steam, Nintendo eShop and PlayStation in other regions, switch to cheaper stores freely.
Amazon, eBay, US Apple Store, AliExpress, with your real card number kept out of it.
Netflix, Spotify, YouTube Premium, Disney+ across regions.
Meta, Google and TikTok ad accounts. One card per account, limits you control.
AWS, Shopify, Alibaba, SaaS tools. Sub-account permissions and reconciliation exports.
Free to sign up, pay per card, no monthly fee.