Virtual credit cards are one of the best alternative payment methods for online shopping. They can be used with any website that accepts Visa, MasterCard, American Express, or Discover and there is no need to carry a physical card with you when shopping online. This makes virtual credit cards easy to use and convenient – but which ones should you get? Which are the best ones available today?
In this article, we’ll discuss what virtual cards are, how they work, and which benefits they offer. We’ll also take a look at some of the most popular options out there so that you can find the right one for your needs!
Finally, we’ll provide some tips on keeping your information safe while using your virtual card.
What Are Virtual Credit or Debit Cards?
Virtual cards are a form of online payment that is used just like any other credit or debit card. They function the same as plastic, physical ones and can be used to make purchases on sites like Amazon or to pay for services such as Uber.
How Do Virtual Credit/Debit Cards Work?
Virtual credit and debit cards work by storing your card information on your phone or computer in a virtual wallet. This allows you to make purchases at any location or website that accepts Visa, MasterCard, American Express, and Discover without having the physical card with you!
What Are the Benefits of Virtual Credit Cards?
Virtual credit/debit cards provide many of the same benefits that physical ones do, with a few additions! Here are some of them:
Convenience- No more worrying about carrying your card when shopping. Just log into your wallet or app and make payments wherever you want to.
You can have several different cards stored in the same wallet. This means that you can set one up for personal purchases and keep another specifically for business expenses or online shopping.
You can save coupons, rewards programs, and other deals onto your virtual card to use whenever you want!
Fraud Protection- It’s virtually impossible for someone to steal your card number and use it without you knowing. Each transaction requires an authorization code or PIN that is unique to the purchase being made, so if anyone does try something you’ll be alerted right away!
Most payment processing companies also provide some form of protection against fraudulent purchases made using your card. This includes virtual cards and often covers 100% of any charges that you incur as a result.
No-Risk of Theft- If someone steals your physical card they will also be able to make purchases with it until the information is canceled or replaced. With a virtual credit/debit card that risk goes away because there are no physical cards to steal!
Safety- As long as you have your phone or computer, there’s no need to worry about losing a physical card and having someone run off with it! Virtual cards can be locked in place so that they’re not able to be used without your authorization. This is especially useful if you use them for online shopping.
Which Virtual Credit/Debit Card Should I Get?
There are many different options for virtual credit and debit cards, but some offer more benefits than others.
Here is a list of the best ones available today:
1- PayPal Virtual Credit Card
PayPal is great for online shopping because you don’t need a physical card or bank account. Just connect your PayPal account and go! You can also link the accounts of friends and family members so that they can send money quickly.
Highlights:
Paypal offers many benefits, including security, convenience, no risk of theft, and fraud protection.
A PayPal virtual credit card is also great for online shopping because you don’t need a physical card or bank account. Just connect your PayPal account and go! You can also link the accounts of friends and family members so that they can send money quickly.
2- American Express Go
American Express Go is an expense solution that compliments your Corporate Card program and adds to your convenience. It’s a faster, more flexible way for your contractors, freelancers, recruits, and infrequent travelers to pay on the go.
Highlights:
American Express Go offers the security, convenience, and flexibility that you would expect from American Express.
You can also use it for online shopping without a physical card or bank account. Just connect your American Express account and go!
The app is available on both Android and iOS devices.
3- Barclaycard US
Barclaycard US offers a mobile app that allows you to manage your account, make payments, and view transactions. You can also use the app to find nearby ATM locations and get cashback at select retailers.
Highlights:
The Barclaycard US mobile app is available on both Android and iOS devices.
You can use the app to manage your account, make payments, and view transactions.
You can also use the app to find nearby ATM locations and get cashback at select retailers.
Barclaycard US also offers a virtual credit card so that you can shop online without a physical card or bank account. Just connect your Barclaycard account and go!
Conclusion
These are just a few of the best virtual credit and debit cards available today. Be sure to shop around and find one that best suits your needs. And remember, always use a credit or debit card with fraud protection for online shopping! Thanks for reading!
