The card that says no
so you don't have to.
Loom Card is a Visa card that enforces your spending rules at checkout. Set limits by category, get real-time alerts, and build the discipline budgeting apps promised.
Loom Card
•••• •••• •••• 4821
Monthly Limit
$2,400
Spent
$1,847
77% of monthly budget used
The Problem
Knowing isn't enough.
You need a system.
78%
Track but can't act
Budget apps show where money went. They can't stop it from going there. You see the damage after it's done.
3.2×
Willpower fails
People overspend 3.2× more than planned in impulse categories. Self-control is a finite resource.
0
No enforcement exists
No consumer card lets you set your own spending limits by category and actually declines the transaction.
Features
Everything you need to
enforce your discipline.
Spending Rules
Set limits by category — food, entertainment, shopping. Choose daily, weekly, or monthly intervals. Your rules, your card.
Real-time Enforcement
When you hit your limit, the card declines. Not a notification. Not a warning. An actual decline at the point of sale.
Break Glass Override
True emergencies happen. Override with a deliberate in-app confirmation that adds just enough friction to make you think twice.
Smart Insights
Weekly summaries, category breakdowns, goal tracking. See exactly where discipline held — and where it slipped.
How It Works
Four steps to financial control.
Sign up & verify
Create your account and complete a quick KYC verification. Takes under 3 minutes.
Sign up & verify
Create your account and complete a quick KYC verification. Takes under 3 minutes.
Set your rules
Choose categories and set spending limits — daily, weekly, or monthly. Use guided mode or go manual.
Set your rules
Choose categories and set spending limits — daily, weekly, or monthly. Use guided mode or go manual.
Get your card
Instant virtual Visa card — add it to Apple Pay or Google Pay and start spending with guardrails.
Get your card
Instant virtual Visa card — add it to Apple Pay or Google Pay and start spending with guardrails.
Stay protected
Hit 80%? You get a warning. Hit 100%? The card declines. Your budget enforces itself.
Stay protected
Hit 80%? You get a warning. Hit 100%? The card declines. Your budget enforces itself.
Pricing
Less than one impulse purchase.
The cost of Loom Pro is less than the average impulse buy it prevents every week.
Starter
Get started with basic spending visibility.
- 1 virtual card
- 3 spending rules
- Basic category tracking
- Weekly email summary
- Community support
Pro
Full enforcement, unlimited rules, and AI insights.
- 1 virtual card
- Unlimited spending rules
- Real-time transaction decline
- Break Glass override
- AI-powered insights
- Priority support
- Custom MCC rules
- Progressive enforcement
Testimonials
People who stopped just tracking.
“I've tried YNAB, Copilot, spreadsheets — nothing stopped me from ordering takeout at midnight. Loom Card actually declines it. That's the difference.”
Maya R.
Freelance Designer
“The break-glass override is genius. I know I can always get through, but the friction makes me think twice. Saved me ₪3,200 last month.”
Daniel K.
Software Engineer
“Setting rules by category changed everything. I have zero limits on groceries but hard caps on online shopping. It just makes sense.”
Noa S.
Marketing Manager
Ready to stop overspending?
Join thousands of financially conscious adults who traded willpower for systems. Get your Loom Card today.
No credit card required · Launching Q2 2026