You can help support this site by using our links to Amazon & eBay. I serve as an advisory board member for the Anti-Malware Testing Standards Organization (AMTSO), an international nonprofit group dedicated to coordinating and improving testing of anti-malware solutions. Citi offers virtual account numbers(Link). 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). Please appreciate that there may be other options available to you than the products, providers or services covered by our service. But since American Express offers such attractive rewards and benefits, you should give these next cards some thought. Some banks offer a Virtual Account Number feature which allows us to generate an unlimited amount of credit card numbers tied to a single card account. Through that app, you can generate one-time use virtual cards like the other cards featured in this list. welcome bonus offer of up to 150,000 points with the Amex Platinum card! Finder monitors and updates our site to ensure that what were sharing is clear, honest and current. You can link an American Express or Capital One card as the payment source and theyll create a one-time use virtual card. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. First National Bank Freestyle Checking has no monthly fee, but it doesnt earn interest. The old one was better. Virtual credit card numbers are a convenient way to make credit card purchases online. 1996-2023 Ziff Davis, LLC., a Ziff Davis company. The agent said they are no longer offering that benefit. For rates and fees of The Business Platinum Card from American Express, click here. It can also be added to Google Pay. Bank of America used to offer virtual card numbers with their ShopSafe program, but they ended the program effective September 20, 2019. Hot Tip:Check to see if youre eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card! You should receive your card number via email or through your online account once the process is complete. CNET is not an insurance agency or broker. Reports indicate the following two Citi cards provide virtual account numbers: welcome bonus offer of up to 150,000 points with the Amex Business Platinum card! These options are similar to virtual credit cards, which offer a different digital number than your real credit card for security purposes. For rates and fees of The Platinum Card from American Express, click here. All rights reserved. Because each virtual card is a unique 16-digit card number, you can control how much of your credit line each vendor has access to. As one of the foremost experts in credit cards, over the past 4 years, he has amassed, Citi ThankYou Rewards Drops 2 Transfer Partners [InterMiles, Enrich], American Airlines Tests Free Wi-Fi on Most Domestic Flights, The 5 Best Virtual Credit Cards for Personal Use, Capital One Venture X Rewards Credit Card, Capital One VentureOne Rewards Credit Card, The 3 Best Amex Personal Cards With Click to Pay, Blue Cash Preferred Card from American Express, The 5 Best Virtual Credit Cards for Business Use, 1. Optional, only if you want us to follow up with you. You can get a virtual credit card if your credit card issuer offers it as a benefit. Get the most out of everything youve earned with banking, credit cards, lending and investing strategies designed for you. Its super easy to sign up, and Extends dashboard is easy to use. Overall, it's not exactly my favorite debit card but it works. And virtual debit cards let you do that without a physical card online or by using your smartphone at the checkout. With account approval, you can enjoy 12 months of 0% introductory APR on purchases from the date of the account opening and a whopping 21 months of 0% introductory APR on balance transfers (though with a proportionate 5% or $5 balance transfer fee, whichever is greater). Max 12 months. Chase Total Checking is easy to use and gives you access to 16,000 ATMs and more than 4,700 branches. Currently, the Double Cash card has an attractive 0% balance transfer APR, but the real reason to use this card is to earn up to 2% cash-back per dollar spent. Are There Any Downsides to Virtual Credit Cards? At the top left, tap Menu Payment methods. To access virtual credit cards for the Citi Double Cash Card, you must select "Other Services" on your account homepage, then navigate to "Virtual Account Numbers.". I just had my citi 2% card replaced with a new account number and the new card has the VAN option. Add your Chase debit card to a digital wallet like Paypal, Google Pay or Apple Pay from your Chase app. I was always able to set a limit and it worked perfectly fine, caught several fraudulent charges to my CC without having to get a completely new number, but no more. it has actually become my primary bank. Card number can be used on any website (even those who do not accept PayPal) or over the phone or a store who will key in the number. Weve rounded up Chases new account bonus offers and what youll need to qualify. A lot of other provide 2% in all purchases with more benefits. Your welcome offer wont be as large, but you will earn: Theres also an introductory 0% APR benefit you can take advantage of, no foreign transaction fees, the ability to transfer miles to travel partners, and no authorized user fees. Invest your spare change in real-time and earn up to 10% in bonus investments. A debit card exclusively for Uber drivers. Click 'Get a digital card.'. Also, returns can be problematic if the virtual card you used has expired; you might have to take store credit. If youre interested in using a virtual card, compare bank accounts to find one either with virtual or contactless payment options, or simply fill up your digital wallet on your phone and leave your physical card at home. In the Wise app, you'll find the virtual card option under the name 'digital card'. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. welcome bonus offer of up to 90,000 points with the Amex Gold card! Some banks offer a Virtual Account Number feature which allows us to generate an unlimited amount of credit card numbers tied to a single card account. 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Make your money work for you with a Premier checking account from BMO, which offers interest earnings, quarterly credit card spend bonuses, ATM surcharge rebates and lending benefits such as a closing cost credit and home equity interest rate discount. Debit card. Additionally, the issuer of a virtual credit card number may allow you to lock or delete a particular virtual account number if you worry that . Were big fans of the Amex Blue Cash Preferred card because it offers fantastic cash-back rewards fit for frugal families. CitiBusiness / AAdvantage Platinum Select Mastercard, For Capital One products listed on this page, some of the above benefits are provided by Visa, For rates and fees of The Platinum Card from American Express, click, For rates and fees of American Express Gold Card, click, For rates and fees of Blue Cash Preferred Card from American Express, click, For rates and fees of The Business Platinum Card from American Express, click, For rates and fees of American Express Business Gold Card, click. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. you are allowed to have up to 10 active cards at a time. I still have access to the virtual account. I live in Ireland but I'm planning on holiday for a month and a half this year in the summer. Debit cards give you convenient access to funds in your checking account. Her know-how has been featured in such publications as CBS, CNET and Reviews.com, and she was a panelist in Finders 2020 money-saving webinar. Can someone advise whether Citi Double Cash or Citi Costco Visa offer virtual card numbers ? Log in to your online account to create your virtual card. It seems that everything from workplaces to social interactions have gone virtual lately, and credit cards are no exception. Get 5x miles on hotel and rental car bookings that are made through Capital One Travel and 1.5x miles on all purchases. Applying for credit cards will result in a hard credit check which may drop your credit score -- temporarily -- by a few points. Capital One VentureOne Rewards Credit Card, 1. While not precisely the same as a virtual credit card, Apple Pay serves the same purpose, letting you pay without giving the merchant a credit card number. As such, some Amex cards do enjoy an additional layer of security thanks to Click to Pay, but these cards cant give you a true virtual credit card number like Capital One and Citi can. PCMag, PCMag.com and PC Magazine are among the federally registered trademarks of Ziff Davis and may not be used by third parties without explicit permission. PCMag supports Group Black and its mission to increase greater diversity in media voices and media ownerships. Subscribing to a newsletter indicates your consent to our Terms of Use and Privacy Policy. American Express offered "Private Payment" from 2000 to 2004. When you open an Ando checking account, you'll be sent a Visa debit card in the mail. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). A virtual credit card is a temporary credit card number that consumers can use to pay for most things online. The Capital One Venture X card is an incredible credit card option offering a huge welcome offer, excellent rewards, and fantastic benefits, this should be a contender for a slot in your wallet. $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. This card also comes with an introductory 0% APR benefit, zero fraud liability, no foreign transaction fees, and free employee cards. Earn a one-time bonus of 20,000 miles - equal to $200 in travel - once you spend $3,000 on purchases within the first 3 months of account opening. Sarah George is a personal finance writer at Finder whos spent the last four years wielding her digital pen on all things banking and insurance. Capital One Venture Rewards Credit Card, 5. Virtual credit cards are legal and are offered by a few of the big banks! Sign up for your prepaid card or bank account. And typically you can set it to expire in anywhere up to a year from its creation date. Select which prepaid card youd like to link to the virtual card. But it may take some time to get your cash back. With this card, youll still get the ability to create virtual credit cards, maintain simple structures, and get a welcome offer. For rewards and miles cards, we calculate and weigh the net monetary value of a card's respective perks. 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. The process of getting a virtual credit card number depends on your credit card issuer: You use a virtual card as you would normally when shopping online or over the phone. Virtual credit cards are on the rise. However, we may receive compensation when you click on links to products or services offered by our partners. Use the card by unlocking your phone and tapping to pay through your digital wallet, or by entering the virtual debit card number online or over the phone. Check out faster, easier, and more securely. This newsletter may contain advertising, deals, or affiliate links. 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). For $5 per month you can upgrade to Premium, which gets you the ability to generate virtual credit card numbers even when your card issuer doesn't have native support. Even though you used a virtual card number, you'd have to dispute that charge. Virtual credit cards are not an alternative to a traditional credit card account. Below is a list of all known banks and cards that offer such a feature. All Rights Reserved. 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. There are a number of smaller companies who built businesses around the virtual account number idea. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. This virtual prepaid card is tied to a digital bank account. This allows you to use a different credit card number for each merchant you spend at, prevent fraudsters from getting your primary account details, and set spending limits or expiration dates for each virtual credit card. The compensation we receive may impact how products and links appear on our site. She writes and edits articles about personal finance, with a focus on credit cards, loans and banking. My favorite debit card in the mail monitors and updates our site ensure! Rates and fees of the Platinum card by a few of the Amex Gold!. An alternative to a traditional credit card for security purposes welcome bonus of. 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