After much looking, I found out Delray Beach allows free digital cards to all Florida residents. A smaller library but they do have Overdrive and Hoopla, so if you are in Florida, here is the link -
https://www.delraylibrary.org/library-card/
I just chose home library as Delray Beach on the virtual card app, and entered my information of where I live, and immediately got a library card number and made a pin, used to enter into Overdrive and Hoopla. It's too pricey and small for non-residents (60 a year) for me to recommend, but great if in Florida as another resource since it's free.