Best Virtual Credit Cards 2025 : Added Security For Your Online Transactions

A virtual credit card is a temporary credit card number that you can use while shopping online. These disposable card numbers are designed to protect your actual account number from falling into the wrong hands. Keep in mind, however, that using a traditional credit card for purchases isn’t inherently risky, and that’s true whether you’re shopping in person or online. This is due to the fact credit cards tend to offer zero liability for fraud, so you won’t be on the hook for purchases you didn’t make either way.

You could also run into a snag if a merchant requires verification of your account information. For example, let’s say you use a disposable card number to make an online reservation for a rental car or hotel room. When you show up, the company may require you to pay with the same card used to make the reservation.

A few major credit card companies offer this feature, as do other providers like Privacy.com and Revolut. If you need to return an item purchased with a virtual credit card, the process should be the same Zoro Card as with a physical card, with refunds issued to your virtual card number and then credited to your main account. Once you enroll for a virtual credit card with your issuer, you can begin using it.

The 5 Best Virtual Credit Cards for Business Use

A virtual credit card number has its own expiration date and card verification value (CVV). When you purchase something online with a virtual credit card, the charge appears on your regular card statement. You can’t use a virtual credit card for in-store purchases, such as buying groceries. In addition, a virtual card might not be ideal if you need to verify your identity when you’re picking up an online order. Furthermore, a virtual credit card may not work if you need to produce a physical credit card when you’re checking into a hotel or renting a car, for example.

Some of the most popular virtual credit card options are Click to Pay and Capital One Eno. A virtual credit card gives you a number that’s tied to your traditional credit card account but isn’t the same as the number on your physical card. Virtual cards also include a card verification value (CVVs) and expiration dates that differ from the ones on the card in your wallet. When you hear reports of website security breaches and credit card fraud, you may wonder whether sharing your credit card number for an online purchase is safe.

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options. Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. With responsibility for overseeing CNET’s credit card coverage, she writes and edits news, reviews and advice. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink.

Benefits of using a virtual credit card number

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet. Lastly, there are no foreign transaction fees or authorized user fees. Additionally, this card has an annual hotel savings benefit of $100 off a stay of at least $500 when booked through thankyou.com or 800-THANKYOU (once per calendar year). We’re poised to accelerate the adoption of blockchain technology and tokenization into mainstream financial services. Whether you choose to work with a financial advisor and develop a financial strategy or invest online, J.P.

For questions or concerns, please contact Chase customer service or let us know about Chase complaints and feedback. View the Chase Community Reinvestment Act Public File for the bank’s latest CRA rating and other CRA-related information. The Capital One Venture X Rewards Credit Card is a premium credit card with a myriad of benefits and a lower annual fee than other high-end cards with similar features.

Virtual cards were historically focused on industries like travel and insurance, as well as specific accounts payables flows. For example, digital payment services such as Visa Checkout, Masterpass and Amex Express Checkout allow you to make purchases online without entering your card information. Just sign up for one of the services, add your card information, then log in when you’re shopping with participating retailers to complete the transaction.