The best virtual credit card option is the Citi Premier® Card because it’s one of the best credit cards overall and Citi makes it easy to create virtual card numbers for online shopping. Citi Premier card offers 60,000 points for spending $4,000 in the first 3 months, ongoing rewards of 1 - 3 points per $1 and a $95 annual fee. To get a virtual card number, Log in to your Citi account through the Citibank Virtual Account Numbers, click on Enroll In/Get, download the Citibank browser extension to create your virtual card number and take note of the expiration date and security code. Citi Virtual Account Numbers works with nearly all online merchants.
Below, you can check out some of the best credit card offers that also give you the option of using virtual card information for extra security.
Best Credit Cards with Virtual Card Numbers
It’s best to get your virtual credit card information from your credit card issuer or card network. These virtual card numbers are easy to get, secure to use online, and free. Some of the most popular virtual credit card options are Click to Pay Visa, American Express Go and Capital One Eno. They work with more cards than just the handful mentioned above, too.
Best Virtual Credit Card Options
Click to Pay Mastercard and Click to Pay Visa are both available to all Visa, Mastercard, Amex and Discover cardholders, by the way. Click to Pay Mastercard also works for Diner’s Club cardholders.
That just goes to show how many card issuers and networks now offer virtual or “disposable” credit card numbers for cardholders to use while shopping online. This gives shopping online with a credit card an extra layer of security.
In addition to the virtual card numbers you can get from your card issuer or network, you can also add your card to a number of popular “digital wallet” services. They provide an extra security layer similar to EMV or “contactless” credit card technology. Some popular digital wallets include Apple Pay, Samsung Pay, G Pay (Google), PayPal, and Garmin Pay. This technology isn’t limited to credit cards, either – you can add your debit card or prepaid card to many of these services.
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