>but nothing strikes me as being a lie or misrepresentation

I think this point is kind of sketchy.

>Go incognito with a unique credit card number. Virtual cards allow you to use improvised information at checkout to fight against hackers and protect yourself against data breaches—an important consumer safeguard right at the point of sale.

Does privacy.com allow you to put in fake billing addresses when you use their cards, and does that pass AVS? I really don't see how using a virtual card number is like "incognito" if you still have to use your real billing address, especially when you already have multiple credit cards.