Best cash-back card with virtual account numbers
Card Highlights
Intro Offer
N/A
APR 14.74 % – 24.74 % ( Variable )
Recommended Credit Excellent, Good
Reward Rates
Annual Fee $ 0
Intro Purchase APR N/A
Additional Details
Intro Balance Transfer APR 0 % presentation for 18 months on Balance Transfers
Balance Transfer Fee There is an presentation balance remove fee of 3 % of each remove ( minimum $ 5 ) completed within the first gear 4 months of explanation opening. A balance transfer fee of 5 % of each transfer ( $ 5 minimum ) applies if completed after 4 months of score opening .
Balance Transfer APR 14.74 % – 24.74 % ( Variable )
Late Payment Fee Up to $ 40
Foreign Transaction Fees 3 %
Penalty APR Up to 29.99 % ( Variable )
Rewards & Redemption Details
Our Take
The Citi® Double Cash Card is a good option for a virtual credit circuit board if you ‘re looking to maximize your purchasing cash-back and want to avoid the harass of decoding point systems. While its cash-back rate is broadly competitive with Apple Card, this circuit board may be more suitable for person who does not have Apple products or is less technologically incline. To access virtual credit cards for the Citi Double Cash Card, you must select “ early Services ” on your history home page, then navigate to “ Virtual Account Numbers. ” See our full review of the Citi Double Cash Card for more details .
Instant virtual credit card
Card Highlights
Intro Offer
N/A
APR 10.99 % to 21.99 % ( Variable )
Recommended Credit N/A
Reward Rates
Annual Fee $ 0
Intro Purchase APR N/A
Rewards & Redemption Details
Our Take
The Apple Card is alone in that by plan it has three credit card numbers built into one. One is the poster number used by your Apple Wallet, which is kept fasten, one is for your physical tease ( assuming you request one ), and the other is considered your virtual credit card — it can be used for on-line transactions or in-person transactions where the merchant does n’t accept Apple Pay. Best of all, if this virtual citation batting order number is compromised, you can request and receive a rid substitution total immediately without interrupting the use of your report via Apple Wallet or the physical circuit board .
Long intro APR offer with virtual account numbers
Card Highlights
Intro Offer
N/A
APR 14.49 % – 24.49 % ( Variable )
Recommended Credit Excellent, Good
Reward Rates N/A
Annual Fee $ 0
Intro Purchase APR 0 % for 12 months on Purchases
Additional Details
Intro Balance Transfer APR 0 % for 21 months on Balance Transfers
Balance Transfer Fee Balance transfer fee applies with this offer 5 % of each balance transfer ; $ 5 minimum .
Balance Transfer APR 14.49 % – 24.49 % ( Variable )
Late Payment Fee Up to $ 40
Foreign Transaction Fees 3 %
Penalty APR Up to 29.99 % ( Variable )
Our Take
The Citi® Diamond Preferred® Card not only offers virtual account numbers right from your on-line report home page, it besides boasts a 0 % basic APR period. With account blessing, you can enjoy 12 months of 0 % basic APR on purchases from the date of the account open and a whack 21 months of 0 % introductory APR on balance transfers ( though with a proportionate 5 % or $ 5 symmetry transfer fee, whichever is greater ). After the presentation period, the APR is 14.49 % to 24.49 % variable. poise transfers must be completed within four months of the report opening. See our full recapitulation of the Citi Diamond Preferred Card for more details.
Read more: How to Apply for FAFSA – College Ave
Best travel card with virtual card capability
Card Highlights
Intro Offer
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
APR 16.74 % – 24.74 % ( Variable )
Recommended Credit Excellent, Good
Reward Rates
Annual Fee $ 95
Intro Purchase APR N/A
Additional Details
Balance Transfer Fee Balance transfer tip applies with this offer 5 % of each remainder transfer ; $ 5 minimal .
Balance Transfer APR 16.74 % – 24.74 % ( Variable )
Late Payment Fee Up to $ 40
Foreign Transaction Fees 0 %
Penalty APR Up to 29.99 % ( Variable )
Rewards & Redemption Details
Our Take
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 exercise, the sign-on bonus of 60,000 points after spending $ 4,000 in the foremost three months after the account opens ( an equivalent value of $ 600 in endow cards when redeemed at thankyou.com ) is highly competitive, putting this card at the top of our picks for best welcome bonus credit cards. This tease offers purchase protection, and you can access virtual report numbers properly through your account home foliate. For more details on all of this card ‘s benefits, check out our full review of the Citi Premier Card .
For multiple and temporarily authorized users
Card Highlights
Intro Offer
N/A
APR 12.75 % – 19.75 % variable
Recommended Credit Excellent/Good Credit
Reward Rates
Annual Fee none
Intro Purchase APR N/A
Additional Details
Balance Transfer Fee 2 % of the amount of each transmit .
Balance Transfer APR 12.75 % – 19.75 % variable
Penalty APR none
Rewards & Redemption Details
Our Take
The X1 Card, though new and not however widely available, offers a unique setup with see to virtual credit cards. You ‘ll need to download an app for account management as there is no explanation access via web browser. Through that app, you can generate erstwhile use virtual cards like the other cards featured in this number. You besides have the opportunity to set auto-expiration dates for virtual credit cards, which can come in handy for automatically canceling unblock trials or for giving a poster numeral to a trust individual like a family member or health professional for a set period of time .
FAQs
What are the best virtual credit cards?
For the sake of the chasteness of being able to generate a virtual account number anywhere you have internet access, the best virtual accredit cards are ones you can get immediately from your on-line credit menu account, without downloading annoying extensions or extra apps. Those include Apple Card, Citi Double Cash Card, Citi Premier Card, Citi Diamond Preferred Card and the X1 Card. other credit card issuers may offer extra apps or browser extensions. For case, Capital One has the Eno web reference for its cards .
What is a virtual credit card?
A virtual credit poster, or virtual score count, is a irregular recognition circuit board number used to make purchases online or over the earphone safely. That means you do n’t have to reveal your actual history information, sparing you electric potential identity larceny. The virtual report number is generated randomly and expires after a dress period of time so that it can not be misappropriated in the future .
My credit card doesn’t offer virtual account numbers. How can I shop online safely?
There are several issuer apps and browser extensions that enable virtual credit calling card generation for accounts that do not have the feature built in. They require an extra step ( downloading the app or extension ) to use initially, and restrict you to making purchases specifically on hardware you ‘ve installed the program on. As an model, a Click to Pay report allows Visa, Mastercard, American Express and Discover cardholders to choose to apply for a virtual credit poster at checkout .
Our methodology
CNET reviews credit cards by thoroughly comparing them across set criteria developed for each major class, including cash back, welcome bonus, travel rewards and poise transfer. We take into circumstance the distinctive spending behavior of a range of consumer profiles — with the reason that everyone ‘s fiscal site is different — and the destine function of a card. For cash-back credit cards, for exercise, key factors include the annual fee, the “ welcome bonus ” and the cash-back rate ( or rates, if they differ by spending class ). For rewards and miles cards, we calculate and weigh the web monetary value of a menu ‘s respective perks. And with proportion transmit credit cards, we analyze spectacles such as the duration of the introductory 0 % APR period and the counterweight remove fee, while acknowledging secondary factors such as the standard APR and the duration of time you have to make a libra transmit after you open the account. *All information about the Apple Card and X1 Card has been collected independently by CNET and has not been reviewed by the issuer.
The editorial contentedness on this page is based entirely on objective, independent assessments by our writers and is not influenced by advertise or partnerships. It has not been provided or commissioned by any third gear party. however, we may receive compensation when you click on links to products or services offered by our partners .
The column message on this page is based entirely on objective, independent assessments by our writers and is not influenced by ad or partnerships. It has not been provided or commissioned by any third party. however, we may receive recompense when you click on links to products or services offered by our partners .
