FWIW, you lost me with "no points for non travel/dining currently". I get 2% on my credit card on all purchases, and I get 2.20% on my high-interest savings. I also have virtual card numbers, though admittedly through a terrible (Flash, so desktop-only) interface.

I can see how this card is great for people who haven't established good credit and need to use debit cards, but I'd think that even this audience would want to get credit cards so they can get improve their credit rating.

Innovation in the space is certainly welcome, so I'm absolutely rooting for you. For now though, it's from the sidelines.