U.S. Bank does not offer virtual credit card numbers, and there are currently no indications this will change anytime soon. Even though U.S. Bank does not offer virtual card numbers, U.S. Bank cardholders can still get a virtual credit card through the payment system Click to Pay.
Click to Pay was started in late 2019 as a collaborative virtual payment service between Visa, Mastercard, Discover, and American Express. It is similar to the virtual credit card benefits offered by many card issuers, but it’s open to any credit card on the top four card networks. Therefore, even though U.S. Bank does not offer virtual credit cards directly, you can still get a virtual card number for a U.S. Bank credit card through Click to Pay in order to have an added layer of security for online purchases.
Anyone with a Visa credit card can use a virtual Visa credit card number through the free digital card service Click to Pay with any online merchant that shows the EMV payment icon at checkout. After selecting the icon, cardholders can choose a card to use and make their purchase without giving out their real card number. The EMV icon looks like a square with two arrows pointing to the right.… read full answer
To set up a Click to Pay account through Visa, you’ll need to provide your name, email, billing address, and card information. It’s important to note that your credit card doesn’t need to be on the Visa network to work with Click to Pay. In fact, Click to Pay works with cards on all four major card networks: Visa, Mastercard, American Express and Discover. That said, you can only add Visa cards through the Visa portal. Other cards can be added through another card network’s website, your card issuer’s website, or the merchant’s website during checkout.
Click to Pay will save the credit card and billing information you provide when you sign up. When you check out with Click to Pay, a virtual credit card number is generated to take the place of your actual card number and security code. The payment process is quick, and since your actual card number never leaves the Click to Pay system, it’s well-protected against fraud.
You cannot get a cash advance through a virtual credit card.
Virtual credit cards are just an option offered with some credit card accounts, adding an extra layer of security against fraud by masking a card’s sensitive information. They can only be used for online, and some over-the-phone purchases.
Since a cash advance requires you to have a physical card, which you either show to a bank teller or insert in an ATM, there’s no way to do one by using virtual card information.… read full answer
The best credit card for instant approval and use is the Blue Cash Everyday® Card from American Express. Applicants who get approved instantly for this credit card when they apply online will be able to get the card number immediately and start using the card to make purchases just a few minutes after they’ve applied.… read full answer
Specifically, you’ll have a short period of time to write down your card information once you’re approved for this credit card. People who miss this window of opportunity will need to wait until they get the card in the mail.
The Amex Blue Cash Everyday card offers solid ongoing rewards of 20% cash back on Amazon.com purchases for the first 6 months (up to $150 back), 3% cash back at U.S. supermarkets (up to $6,000 spent per year), 2% back at U.S. gas stations and select U.S. department stores, and 1% back on all other purchases, earned as statement credits. It also has a $0 annual fee and requires a minimum of good credit for approval.
Best Instant Credit Cards for Approval and Use
Blue Cash Everyday® Card from American Express: Best Overall
The Platinum Card® from American Express: Best for Luxury Perks
Blue Cash Preferred® Card from American Express: Best for Cash Back
American Express® Gold Card: Best for Dining Purchases
JetBlue Card: Best for No Annual Fee
Southwest Rapid Rewards® Plus Credit Card: Best Airline Card
Instant approval is always possible when you apply for a credit card online or in person, but instant use is rare. Some credit card issuers don’t offer any instant use credit cards. Others have only a few. Each issuer has their own restrictions for when you can get instant use, too.
Standard shipping time for new cards is 7-10 business days.
If you’re not able to get a credit card number for immediate use, don’t worry. Credit cards usually only take 7-10 business days to arrive after you’re approved. And many credit card companies provide expedited delivery for a small fee, or sometimes even for free.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.