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Maybe you'd like one of the banks that provides you with limited-use or one-time credit cards? I've been using one called Envelope Budgeting for the last few months after my previous one shut down. It's $40/year, but that's waived if you spend more than $5,000 USD in card purchases. I put the Neal.fun on my "Misc" card that I keep at $0 balance and transfer money to when I buy something.

I believe there are other services that will also give you virtual cards, I'm not familiar with them off hand.

https://envelopebudgeting.com/



I use https://privacy.com for this, you can create virtual cards with total spend limits or spend rate limits.




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