This is super close to the product that I really really really want. The only thing that's missing for me, is that this requires a checking or savings account. When I purchase something with my credit card (most things), it's because I want the rewards program points. With this, I don't get that. If I can't pay with my credit card, then I'm losing money (~$300/yr).

I really want a product that let's me proxy my credit card (and change it when I get a new card). I want a firewall for my credit card.