Cursor is kind of the default these days and has reasonable pricing. Both the completion and the agent work well. You could nitpick various options, but really it's ok and you can do a lot worse than Cursor.

An alternative is buying credit for a specific provider and using that with Aider. Which is also not bad.

None of the major players are likely to abuse your card. Just make sure you're either using a prepaid plan or prepaid credits with no auto topups.