Virtual credit cards
Enhance your financial security with virtual credit cards. They add a layer of protection by replacing your physical card number for online activities, ensuring your real card number remains safe even if the virtual one is stolen. Learn more about virtual credit cards.
CREDIT CARD
ANNUAL FEE
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WELCOME OFFER
Earn 80,000 Membership Rewards(R) Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
REWARDS RATE
Earn 5X Membership Rewards(R) Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards(R) Points on prepaid hotels booked with American Express Travel.
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CREDIT CARD
ANNUAL FEE
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WELCOME OFFER
Earn 70,000 bonus ThankYou® points after spending $4,000 in the first three months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.
REWARDS RATE
Earn 10x on hotels, car rentals, and attractions booked through CitiTravel.com. Earn 3 points per $1 spent on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations. Earn 1 point per $1 spent on all other purchases
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CREDIT CARD
ANNUAL FEE
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WELCOME OFFER
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
REWARDS RATE
2 Miles per dollar on every purchase, every day. 10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights booked through Capital One Travel.
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CREDIT CARD
ANNUAL FEE
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WELCOME OFFER
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
REWARDS RATE
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
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CREDIT CARD
ANNUAL FEE
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WELCOME OFFER
Earn 60,000 Membership Rewards(R) Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
REWARDS RATE
Earn 4X Membership Rewards(R) Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards(R) points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards(R) points on flights booked directly with airlines or on American Express Travel: Book Flights, Hotels, Cars, Cruises & more
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Cashback credit cards
CREDIT CARD
ANNUAL FEE
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WELCOME OFFER
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
REWARDS RATE
Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
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CREDIT RANGE NEEDED
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CREDIT CARD
ANNUAL FEE
annual_fees
WELCOME OFFER
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
REWARDS RATE
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
APPLY
CREDIT RANGE NEEDED
credit_score_needed
CREDIT CARD
ANNUAL FEE
annual_fees
WELCOME OFFER
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
REWARDS RATE
Earn unlimited 1.5% cash back on all purchases.If you’re a Bank of America Preferred Rewards(R) member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
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CREDIT CARD
ANNUAL FEE
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WELCOME OFFER
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
REWARDS RATE
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.
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Travel credit cards
CREDIT CARD
ANNUAL FEE
annual_fees
WELCOME OFFER
Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
REWARDS RATE
Earn 3 Points per $1 spent at Restaurants and Supermarkets. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels. Earn 1 Point per $1 spent on all other purchases.
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CREDIT RANGE NEEDED
credit_score_needed
CREDIT CARD
ANNUAL FEE
annual_fees
WELCOME OFFER
Earn 80,000 Membership Rewards(R) Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
REWARDS RATE
Earn 5X Membership Rewards(R) Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards(R) Points on prepaid hotels booked with American Express Travel.
APPLY
CREDIT RANGE NEEDED
credit_score_needed
CREDIT CARD
ANNUAL FEE
AnnualFees
WELCOME OFFER
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase Travel℠
REWARDS RATE
Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
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CREDIT CARD
ANNUAL FEE
AnnualFees
WELCOME OFFER
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening.
REWARDS RATE
2 Miles per dollar on every purchase, every day. 10 Miles per dollar on hotels and rental cars booked through Capital One Travel. 5 Miles per dollar on flights booked through Capital One Travel.
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No Annual Fee credit cards
CREDIT CARD
ANNUAL FEE
annual_fees
WELCOME OFFER
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
REWARDS RATE
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
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CREDIT CARD
ANNUAL FEE
annual_fees
WELCOME OFFER
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
REWARDS RATE
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. 1% Cash Back on other purchases.
APPLY
CREDIT RANGE NEEDED
credit_score_needed
CREDIT CARD
ANNUAL FEE
annual_fees
WELCOME OFFER
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
REWARDS RATE
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
APPLY
CREDIT RANGE NEEDED
credit_score_needed
CREDIT CARD
ANNUAL FEE
annual_fees
WELCOME OFFER
One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening.
REWARDS RATE
1.5% Cash Back on every purchase, every day. 5 % Cash Back on hotels and rental cars booked through Capital One Travel (terms apply).
APPLY
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CREDIT RANGE NEEDED
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You can generate a unique credit card number seamlessly through your account, app, or browser extension. This number is different from the one listed on your physical card but still tied with your account. This separate number adds an extra layer of security, protecting your actual card details during online transactions.
When you check out, the virtual number hides your payment information and helps to protect your account against fraud or breaches.
How do you access your virtual credit card numbers?
The process varies from issuer to issuer, but here’s how to get a virtual card number with a few of the major issuers:
- Capital One: You can access a virtual number through the issuer’s Eno virtual assistant browser extension. Virtual numbers may not be available for all Capital One cards.
- Citi: You can find your virtual number on your account page after you enroll in the service. Virtual numbers may not be available for all Citi cards.
- American Express: You can use a virtual card number through Google Chrome by connecting an eligible Amex card. According to American Express, it’ll generate a new four-digit CVV needed at checkout.
Why should you use a virtual credit card?
Virtual card numbers can help ensure your personal credit card information remains secure when you use your card for online transactions. This provides an extra layer of security to your financial information online.
Some virtual card numbers can also be used in a single or recurring format, allowing you to control how frequently it is used or when it expires. If your credit card issuer already provides this feature, you don’t have to apply for a new credit card and incur a hard inquiry on your credit report.
What are the risks of a virtual card?
Virtual credit cards aren’t entirely fraud-proof. It is still important that users remain vigilant with their credit accounts, check their statements regularly for any unauthorized transactions and review any suspicious transaction or alerts from LifeLock. The process of returning items can also be more difficult as many merchants require the same card number to process refunds. There can also be complications when using virtual credit cards for transactions that require verification at a later stage, such as car rentals or hotel bookings where the virtual card and physical card numbers do not match.
The process of returning items can also be more difficult as many merchants require the same card number to process refunds. There can also be complications when using virtual credit cards for transactions that require verification at a later stage, such as car rentals or hotel bookings where the virtual card and physical card numbers do not match.
Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.