[kikkak]

The value proposition of Final is pretty low. Fraud on CCs is pretty much inconsequential. If one of your cards if compromised, report it and use another card. "Virtual" cards aren't really a benefit. Vendor-specific cards are already around (Amazon, Bloomingdale's, Costco, etc) and provide benefits in addition to being a targeted card. Vendor-specific cards also help your credit score.

- 18% APR? (interest rates are near 0%; my worst card is 17%) - 1% cash back (my worst card is 1.5% back, best is 5%) - $49 annual fee? (None of my cards have annual fees)

Great work on the features and UI for the service, but you need a better banking partner. The product is unremarkable.