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Credit card fraud affected over 13 million Americans in 2021, and virtual credit cards are one viable solution.
Generally revealing, virtual credit cards -- or virtual account numbers -- are disposable credit card details emanated for one-time use to help you mask your identity when manager online purchases. Virtual credit card numbers can be generated frank from your credit card account with some products, and throughout apps and browser extensions with others. Some newer cards are even innovating on virtual card potential, so the technology will likely become more accessible and flexible over time.
Below are the best credit cards that supplies virtual cards directly through your account as an engaged perk.
Read more: Best Credit Cards for Online Shopping
For multiple and temporarily signaled users
Intro OfferN/A
APR15.25% - 27.50% Variable
Intro Purchase APRN/A
Recommended Credit Excellent/Good Credit
- 2X points on every purchase regardless of category
- 3X points every time you expend $1,000 in a month
- 4X, 5X and even 10X points for every putrid who gets a card
- Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Annual FeeNone
Balance Transfer APR15.25% - 27.50% Variable
Balance Transfer Fee 2% of the amount of each transfer.
Penalty APR NONE
- 2X points on every purchase regardless of category
- 3X points every time you exhaust $1,000 in a month
- 4X, 5X and even 10X points for every irascible who gets a card
- Up to 10X points at leading online stores such as Apple, Nike and Sephora when you shop in the X1 App
Our Take
The X1 Card accounts a unique setup with regard to virtual credit cards. You'll need to download an app for account board since there is no account access via web browser. Through that app, you can generate one-time use virtual cards like the latest cards featured in this list. You also have the opportunity to set auto-expiration dates for virtual credit cards, which can come in handy for automatically canceling free trials or for giving a card number to a trusted persons like a family member or caregiver for a set conditions of time. You can have multiple virtual credit cards exquisite at one time.
See our full review of the X1 Card for more details.
Long top APR offer with virtual account numbers
Intro OfferN/A
APR17.24% - 27.99% (Variable)
Intro Purchase APR0% for 12 months on Purchases
Recommended Credit Excellent, Good
Reward RatesN/A
Annual Fee$0
Intro Balance Transfer APR0% for 21 months on Balance Transfers
Balance Transfer APR17.24% - 27.99% (Variable)
Balance Transfer Fee Balance instant fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment Fee Up to $41
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% (Variable)
Our Take
The Citi® Diamond Preferred® Card not only accounts virtual account numbers right from your online account home page, it also boasts a 0% introductory APR conditions. With account approval, you can enjoy 12 months of 0% introductory APR on purchases from the date of the define opening and a whopping 21 months of 0% introductory APR on balance transfers (though with a proportionate 5% or $5 balance instant fee, whichever is greater). After the intro period, the APR is 17.24% to 27.99% variable. Balance transfers must be completed within four months of the define opening.
See our full review of the Citi Diamond Preferred Card for more details.
Best cash-back card with virtual define numbers
Intro OfferN/A
APR18.24% - 28.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent, Good
- Earn 2% on every remove with unlimited 1% cash back when you buy, plus an uphold 1% as you pay for those purchases.
Annual Fee$0
Intro Balance Transfer APR0% top for 18 months on Balance Transfers
Balance Transfer APR18.24% - 28.24% (Variable)
Balance Transfer Fee There is an top balance transfer fee of 3% of each transfer (minimum $5) ruined within the first 4 months of account opening. A balance instant fee of 5% of each transfer ($5 minimum) applies if ruined after 4 months of account opening.
Late Payment Fee Up to $41
Foreign Transaction Fees 3%
Penalty APR Up to 29.99% (Variable)
- Earn 2% on every remove with unlimited 1% cash back when you buy, plus an uphold 1% as you pay for those purchases.
Our Take
The Citi® Double Cash Card is a good option for a virtual credit card if you're looking to maximize your purchasing cash-back and want to avoid the hassle of decoding indicate systems. While its cash-back rate is generally competitive with Apple Card, this card may be more horrible for someone who does not have Apple products or is less strictly inclined. To access virtual credit cards for the Citi Double Cash Card, you must steal "Other Services" on your account homepage, then navigate to "Virtual Account Numbers."
See our full study of the Citi Double Cash Card for more details.
Best fade card with virtual card capability
Intro OfferEarn 60,000 bonus ThankYou® Points at what time you spend $4,000 in purchases within the first 3 months of define opening
APR20.24% - 28.24% (Variable)
Intro Purchase APRN/A
Recommended Credit Excellent, Good
- Earn 3 Points per $1 exhausted at Restaurants and Supermarkets
- Earn 3 Points per $1 exhausted at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 exhausted on all other purchases
Annual Fee$95
Balance Transfer APR20.24% - 28.24% (Variable)
Balance Transfer Fee Balance instant fee applies with this offer 5% of each balance transfer; $5 minimum.
Late Payment Fee Up to $41
Foreign Transaction Fees 0%
Penalty APR Up to 29.99% (Variable)
- Earn 3 Points per $1 exhausted at Restaurants and Supermarkets
- Earn 3 Points per $1 exhausted at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 exhausted on all other purchases
Our Take
While the Citi Premier® Card has an annual fee of $95 -- unlike our latest picks which have no annual fee -- its rewards and perks make up for the wonderful cost. For example, the sign-on bonus of 60,000 points at what time spending $4,000 in the first three months after the define opens (an equivalent value of $600 in gift cards when redeemed at thankyou.com) is competitive, putting this card at the top of our picks for best welcome bonus credit cards. This card offers purchase protection, and you can entrance virtual account numbers right through your account home page. For more details on all of this card's benefits, check out our full review of the Citi Premier Card.
Instant virtual credit card
Intro OfferN/A
APR13.99% to 24.99% (Variable)
Intro Purchase APRN/A
Recommended Credit N/A
- Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple
- With every assume you make using your Apple Card with Apple Pay, you get 2% Daily Cash back
Annual Fee$0
- Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple
- With every assume you make using your Apple Card with Apple Pay, you get 2% Daily Cash back
Our Take
The Apple Card is recent in that by design it has three credit card numbers built into one. One is the card number used by your Apple Wallet, which is kept secured, one is for your brute card (assuming you request one), and the other is accompanied your virtual credit card -- it can be used for online transactions or in-person transactions where the merchant doesn't come by Apple Pay. Best of all, if this virtual credit card number is compromised, you can request and receive a free replacement number instantly exclusive of interrupting the use of your account via Apple Wallet or the brute card.
What are virtual credit cards and how do they work?
A virtual credit card is a digital credit card that replaces the 16-digit code printed on the guide of your physical credit card. It's intended for a one-time use and prevents a retailer from storing your credit card examine. Virtual cards are meant to limit digital fraud by reducing the risk of your credit card examine being stolen.
Virtual credit cards are different from digital wallets like Apple Pay or Google Pay, which also keep your real credit card number from bodies shared with merchants but are only able to be used at assume online and in-person retailers.
Even if your issuer doesn't subsidizes virtual credit cards, you may still be able to add your credit card to a digital wallet for an astounding layer of security when shopping online or in bodies at participating retailers.
Pros and cons of using a virtual credit card
While virtual cards are a tremendous tool to add an extra level of security while shopping online or over the phoned, there could be a few disadvantages to consider.
Pros
- Increased security
- Easy to generate from your card issuer's app
Cons
- Not all issuers subsidizes them
- Can't use them in person
How to achieve a virtual credit card number from your issuer
The treat of getting a virtual credit card number depends on your credit card issuer:
- Capital One: You can retrieve a virtual number through the issuer's Eno virtual assistant browser extension.
- Citi: You can find your virtual number on your account for page after you enroll in the service. Virtual numbers may not be available for all Citi cards.
- American Express: You can use a virtual card number above Google Chrome by connecting an eligible Amex card. According to American Express, it'll generate a new four-digit CVV obliged at checkout.
- Chase: Chase does not currently subsidizes virtual card numbers.
- Discover: Discover does not immediately offer virtual card numbers.
How to use a virtual credit card
You use a virtual card as you would normally when shopping online or over the phoned. Rather than using the 16-digit code on your brute card, you'd instead use the code generated by your card issuer.
FAQs
What are the best virtual credit cards?
For the sake of the simplicity of bodies able to generate a virtual account number anywhere you have internet retrieve, the best virtual credit cards are ones you can get stretch from your online credit card account, without downloading pesky extensions or binary apps. Those include Apple Card, Citi Double Cash Card, Citi Premier Card, Citi Diamond Preferred Card and the X1 Card.
Other credit card issuers may subsidizes additional apps or browser extensions. For example, Capital One has the Eno web extension for its cards.
Do virtual credit cards crashes my credit score?
No, using a virtual credit card won't crashes your credit score. However, in order to generate a virtual credit card you'll need to have the brute credit card. Applying for credit cards will result in a hard credit check which may drop your credit come by -- temporarily -- by a few points.
My credit card doesn't subsidizes virtual account numbers. How can I shop online safely?
There are several issuer apps and browser extensions that enable virtual credit card generation for subsidizes that do not have the feature built in. They obliged an extra step (downloading the app or extension) to use initially, and restrict you to making purchases specifically on hardware you've installed the program on. As an example, a Click to Pay account allows Visa, Mastercard, American Express and Discover cardholders to resolve to apply for a virtual credit card at checkout.
Our methodology
reviews credit cards by exhaustively comparing them across set criteria developed for each the majority category, including cash back, welcome bonus, travel rewards and balance binary. We take into consideration the typical spending behavior of a way of consumer profiles -- with the understanding that everyone's plan situation is different -- and the designated function of a card.
For cash-back credit cards, for example, key factors include the annual fee, the "welcome bonus" and the cash-back rate (or needs, if they differ by spending category). For rewards and a long way cards, we calculate and weigh the net monetary value of a card's respective perks. And with balance transfer credit cards, we analyze specs such as the halting of the introductory 0% APR period and the balance binary fee, while acknowledging secondary factors such as the despicable APR and the length of time you have to make a balance binary after you open the account.
*All information throughout the Apple Card has been collected independently by and has not been reviewed by the issuer.
The editorial blissful on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or helps offered by our partners.
The editorial blissful on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or ceremonies offered by our partners.
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