Click here to see a list of advertisers that we work with. American Express doesn't offer true virtual credit cards for personal products, but it partners with Visa, Mastercard, and Discover to offer Click to Pay, an online payment method that effectively shields your credit card number from merchants to simplify and secure the checkout process. The old one was better. The Amex Platinum card currently has an enormous welcome offer, the best airport lounge access benefit of any card out there, excellent travel rewards, and other high-end benefits. After that, just visit the Citi website and create one whenever you need a virtual credit card. Best of all, if this virtual credit card number is compromised, you can request and receive a free replacement number instantly without interrupting the use of your account via Apple Wallet or the physical card. It helps that Citi offers the ability to create virtual credit cards! No hassles and no headaches. You can get a virtual credit card by getting a credit card that offers the ability to create virtual credit cards. I dont like their new virtual credit card system. Theres a huge welcome offer and the ability to earn up to 5x Membership Rewards points on purchases: Go ahead and make use of the American Express Global Lounge Collection, rental car and hotel elite status, as well as the 35% Pay with Points rebate. PCMag.com is a leading authority on technology, delivering lab-based, independent reviews of the latest products and services. Best Current Credit Card Sign Up Bonuses & View Your Pre-Approved & Pre-Qualified Credit Best High Yield Savings Accounts up to 5.00% Shopping Cart Trick 2023 Get Credit Cards Comenity Bank Credit Cards 2023: A List, Best Cards Chase $600 Checking + Savings Bonus (Available [Expired] Citi $300/$700/$1,500 Personal Amex used to offer virtual account numbers, but stopped in 2004, Discover discontinued their program in 2014, Chase and Wells Fargo dont offer a VAN feature, US Bank doesnt offer it with theirtraditionalcredit cards, though. oxygen bank gives you the option to create virtual cards. We dont charge you for our services. I havent researched these companies to know if they are safe and worth using, but here are the ones Ive found: The Google Chrome browser allows creating virtual account numbers. The Citi Premier card is one of the best credit cards for everyday spending. some sort of virtual account program for corporations, PayPal offers virtual account numbers called PayPal Key, they do have some sort of business program, List of Credit Cards that Issue an Instant Card Number Upon Approval, Discover Q2 2023 5% Categories: Restaurants & Wholesale Clubs, [Targeted] Discover: Get 6% Back At Paypal On Up To $1,000 In Purchases (March, April, May), [Targeted] Citi Spend Offers For March, April, May (Online, Electronics, Home, Restaurants), Bank of America Alaska Airlines Business Card 70,000 Miles, [Targeted] Citi Sears: Earn $60 Per Month, Chase Launches DoorDash Credit Card Free DashPass + $100 Cash Bonus, https://www.donationhumanity.com/2019/02/the-4-best-virtual-usa-bank-account.html. Lastly, there are no foreign transaction fees or authorized user fees. That's everything an unscrupulous merchant needs to charge a Caribbean vacation on your card. If you chose a prepaid card, youll need to load funds by linking the prepaid card account with another bank account or by depositing checks or cash, whatever the prepaid card account allows. The idea is to use a temporary virtual number for any online or phone transactions where you want create limits or protect yourself from fraud. Max 12 months. Once youve chosen your prepaid card or bank account, follow the accounts prompts to apply for the account and sign up. To recap, Capital One offers virtual credit cards through Eno, and one of the best business credit cards Capital One can offer is the Capital One Spark Miles card. Lastly, take note of no foreign transaction fees, and high-end travel insurance. Therefore this is not good for free but good for everything else! SeeList of Credit Cards that Issue an Instant Card Number Upon Approvalfor a complete rundown on this option. What Is a Virtual Credit Card? Check out faster, easier, and more securely. Virtual credit cards are different from digital wallets like Apple Pay or Google Pay, which also keep your real credit card number from being shared with merchants but are only able to be used at select online and in-person retailers. Currently, 2 major issuers offer a complete virtual credit card solution for personal cards: Citi and Capital One (via Eno). Depending on the issuer, you may be able to set a maximum charge for the virtual. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. $0 intro annual fee for the first year, then $95 (, 3x ThankYou Points at restaurants, supermarkets, gas stations, air travel, and hotels, 2% cash-back (1% when you spend and 1% when you pay your bill, earned as ThankYou Points), 10x miles on hotels and rental cars booked through Capital One Travel, 5x miles on flights booked through Capital One Travel, Up to $300 annual travel credit on bookings via Capital One Travel, 10,000 bonus miles every account anniversary, Access to Capital One Lounges, Plaza Premium Lounges, and complimentary Priority Pass Select membership, Rental car and travel insurance, cell phone insurance, 5xmiles on hotels and rental cars booked through Capital One Travel, 2 free visits to Capital One Lounges or Plaza Premium Lounges every year, 3x points per $1 spent on air travel and at restaurants,supermarkets,gas stations,and hotels, 1x points per $1 spent on all other purchases, 10x miles per $1 on hotels and rental cars booked via, 5x miles per $1 on flights booked via Capital One Travel, 5x miles on hotels and rentals cars booked via Capital One Travel, 5x points per $1 spent for flights booked directly with airlines or with Amex Travel up to $500,000 per year, and prepaid hotels booked with Amex Travel, 6% cash-back at U.S. supermarkets (up to $6,000 per year) and on select U.S. streaming subscriptions, 3% cash-back at U.S. gas stations and on transit, including taxis, rideshare, parking, tolls, trains, buses, and more, 5x Membership Rewards points per $1 spent on flights purchased directly with the airline or with American Express Travel (up to $500,000 per year), 5x Membership Rewards points per $1 spent on prepaid hotels booked with Amex Travel, 1x Membership Rewards points everywhere else. But since American Express offers such attractive rewards and benefits, you should give these next cards some thought. For more information on our advertisers, see here. Readers are part of the CNET family, and the strength of that relationship is the ultimate test of our success. 2 AAdvantage miles per $1 spent on eligible American Airlines purchases, telecommunications merchants,cable and satellite providers, car rental merchants, andgas stations, 1 AAdvantage mile per $1 spent on all other purchases. While the Citi Premier Card has an annual fee of $95 -- unlike our other picks which have no annual fee -- its rewards and perks make up for the extra cost. For rates and fees of The Business Platinum Card from American Express, click here. We do not transact in the business of insurance in any manner, and we are not attempting to sell insurance or asking or urging you to apply for a particular kind of insurance from a particular company. Virtual credit card numbers are a convenient way to make credit card purchases online. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Our expert industry analysis and practical solutions help you make better buying decisions and get more from technology. For cash-back credit cards, for example, key factors include the annual fee, the "welcome bonus" and the cash-back rate (or rates, if they differ by spending category). In the years since that fateful meeting, Ive become PCMags expert on security, privacy, and identity protection, putting antivirus tools, security suites, and all kinds of security software through their paces. This card also comes with an introductory 0% APR benefit, zero fraud liability, no foreign transaction fees, and free employee cards. Probably will drop my Citi card. Additionally, Amex offers virtual cards via a partnership with Extend on its business card products, and it has American Express Go for corporate cards. However, if you have a Capital One credit card, you can use the app or website to create a virtual card for your account. Set spending limits specific to one merchant. Lock, unlock or request a replacement card via app, Get spending notifications for kids purchases, Set daily limits on your debit card spending, Lock or unlock your cards for security via the browser extension. Every time you make a purchase, the card number is disposed and a new one is is generated for your next transaction! We constantly monitor our competition, user activity, and journalistic awards. Throw in complimentary Hertz Presidents Circle status, cell phone insurance, up to 4 authorized users for no additional annual fee, and the ability to create virtual credit cards, and youve got a winner! Although you dont get fancy luxury travel perks such as lounge access, youdo get a 25% Pay with Points rebate and access to The Hotel Collection. 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 point systems. (The current public offer is 80,000 points.). There are several issuer apps and browser extensions that enable virtual credit card generation for accounts that do not have the feature built in. American Express doesnt offer true virtual credit cards for personal products, but it partners with Visa, Mastercard, and Discover to offer Click to Pay, an online payment method that effectively shields your credit card number from merchants to simplify and secure the checkout process. Depending on the issuer, you may be able to set a maximum charge for the virtual number, further protecting your transaction. If you can't turn on the virtual card, you can still use . Get up to 4x Membership Rewards points as follows: Get up to $240 in annual statement credits as follows: The Amex Gold card has access to The Hotel Collection, and you wont be hit with any foreign transaction fees or authorized user fees, either, so the card is packed to the brim with value (see rates and fees). For more details on all of this card's benefits, check out our full review of the Citi Premier Card. Bank of America offers the ShopSafe(Opens in a new window) service to any Visa or MasterCard holder who also uses online banking. Is a leading authority on technology, delivering lab-based, independent reviews of the credit. A maximum charge for the account and sign up ultimate test of our.., further protecting your transaction the feature built in one whenever you need a virtual credit card numbers are convenient. These next cards some thought it helps that Citi offers the ability to create virtual card... 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