American Express: You can use a virtual card number through Google Chrome by connecting an eligible Amex card.Virtual numbers may not be available for all Citi cards. Citi: You can find your virtual number on your account page after you enroll in the service.Virtual numbers may not be available for all Capital One cards. Capital One: You can access a virtual number through the issuer’s Eno virtual assistant browser extension.
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The process varies from issuer to issuer, but here’s how to get a virtual card number with a few of the major issuers: Not every issuer offers virtual credit card numbers, but you might have access to a virtual credit card number with an existing credit card. How to get a virtual credit card number from your issuer Virtual credit card transactions are typically limited to online transactions (but you can use your digital wallet at participating merchants) Not all issuers offer virtual credit cards While virtual cards are a great tool to add an extra level of security while shopping online or over the phone, there could be a few disadvantages to consider.
Pros and cons of using a virtual credit card For example, when you use the card stored in your phone’s digital wallet, a 16-digit number, also known as a token, replaces your credit card number so the receiving merchant can’t see your card’s information.Įven if your issuer doesn’t offer virtual credit cards, you may still be able to add your credit card to a digital wallet for an extra layer of security when shopping online or in person at participating retailers. However, virtual wallets can offer similar protections.
Virtual card numbers protect your personal card information when shopping online, but digital wallets - like Apple Pay, Google Pay and Samsung Wallet - store things like credit card data, boarding passes and concert tickets. Virtual card numbers aren’t the same as digital wallets. Virtual cards are meant to limit digital fraud by reducing the risk of your credit card information being stolen. It’s generally intended for one-time use - though some can be reused - and prevents a retailer from storing your credit card information.
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What are virtual credit cards and how do they work?Ī virtual credit card is a digital credit card that replaces the 16-digit code printed on the front of your physical credit card. Best virtual credit cardsĮarn unlimited 1.25X miles on every purchase, every day. Several of the largest credit card issuers offer virtual credit card capabilities for cardholders, and some newer cards are innovating with the technology too, making virtual cards more accessible and flexible. Virtual credit cards also let you use a newly opened account before the physical card arrives, allowing you to start earning rewards or making progress toward a welcome bonus immediately.
This number is different from the one associated with your physical credit card, keeping your card’s information safe when you use it online. But you can add an additional layer of protection when shopping online by using a virtual credit card.Ī virtual credit card lets you generate a unique credit card number directly from your account - if your issuer offers this feature - or through an app or browser extension. The best way to protect yourself from fraud is to practice good digital security habits, including never entering personal information on unvetted websites, not making credit card transactions over unsecured public Wi-Fi and using strong, unique passwords for all of your accounts. That’s more than 150 million people and a 7% increase from 2021. In 2022, 65% of Americans reported having fraudulent charges on their credit card or debit card at some point in their lives, according to the 2023 Credit Card Fraud Report from.
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