If you are in the USA, you may want to get yourself a Virtual Credit Card for your online transactions. Here, we are going to tell you the best virtual credit card providers in the USA this 2022.
Virtual credit cards are one of the best payment methods in online shops especially if you will like to keep your personal data private and secure.
To avoid people from getting to know your real data and avoid some extra tax when paying online, a VCC will prove handy.
With traditional credit cards vulnerabilities, many people have become sceptical and seek ways to protect themselves online. VCCs (Virtual Credit Cards) are gradually gaining recognition.
What is a Virtual Credit Card?
A virtual credit card is just a credit card number. It is generated automatically to serve the purpose of making payments online.
By using some software, Organisations can generate an interim credit card number that serves as a credit card to ease online payments.
One good thing about VCC is that you can’t trace them back to the original easily. So, online hackers or deceitful merchants are not able to get to your sensitive data.
Also, given that virtual credit cards are non-physical, it is almost impossible to clone them, which makes it highly safe for all online transactions.
Advantages of using Virtual Credit Cards (VCCs)
If you are to get a VCC from a provider in the USA, start first by taking a look at some of the advantages of VCCs.
- Firstly, there is the protection of your personal information.
- Secondly, there are no extra charges to when you use them(free)
- Thirdly, VCC is accepted by most internet users globally
- Customers are allowed a minimum and maximum credit limit per transaction each day.
Some Cons of VCC
- Firstly, virtual credit cards are valid for only a specific time period, specified by the card issuer.
- Secondly, not accepted by all merchants since it isn’t the real CC.
- Thirdly, at times transaction may delay resulting in the item purchased being sent without the transaction getting completed.
- And lastly, if there is a transaction where the customer has to show the original credit card in which the payment was done, virtual cards are unusable.
9 Best Virtual Credit Card Providers in the USA 2022
Now let’s take a look at some of the 9 best Virtual Credit Card Providers in the USA in 2022
#1: US Unlocked
If you are looking for a good VCC for Netflix and many other streaming services, then US Unlocked is a good choice to go for. Their Virtual Credit card will allow you to shop in US stores and worldwide stores with your U.S billing address.
Virtual Payment Cards from the US Unlocked will be loaded automatically from your US Unlocked Account Balance, making spending easier!
You can check here the list of stores where you can shop using the US Unlocked VCC.
Why use US Unlocked?
- Personalized support via Ruby, The US Unlocked Virtual Shopping Assistant
- Easy to use payment cards issued by a US Bank
- Accepted by thousands of US online merchants
- Dozens of convenient load methods worldwide
- Safe, secure and trusted by 100,000+ customers
- Access to Premium Freight Forwarding Partners.
Airtm allows you to pay money through a virtual card. And with their service, you can send money online using a real exchange rate. This site allows you to use your dollars to fund your digital card.
When you register for Airtm, you will need to fill in your details and upload some documents like an ID card for verifications.
You can use their VCCs anywhere online where prepaid Mastercard or Visa are accepted (adult content and gambling are prohibited). All transactions are subject to a risk assessment.
The following topup gateways are available:
- No minimum balances.
- Enables you to make online purchases in any currency.
- Provides 24/7 hours support to users.
- It offers cards that can be recharged with crypto.
- Allows you to add money from more than 800 banks.
Payoneer’s cross-border payments platform empowers businesses, online sellers and freelancers to pay and get paid globally as easily as they do locally. So, if you want a secure, fast, and adaptable credit card, Payoneer is a better choice. Their VCC is available to only selected people though.
Blur secures ALL the personal information you put online – making it safe, fast, and easy to log in and checkout from your browser, phone, or tablet.
All Blur Masked Cards (virtual cards) have a built-in limit, so there’s no risk of hidden charges or data breaches.
Blur can generate a new credit card number for every purchase and also can sync securely across all devices.
Another good feature is their service is the ability to block secret data collection, hidden trackers, and more.
#5: Amex Go (American Express Go) VCC – Top of the Best Virtual Credit Card Providers in the USA 2021
American Express Go is an expensive 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 travellers to pay on the go.
The Amex Card is classified among the most used Credit Card for online payments. Their VCC can be used Worldwide. To get one is simple. Just create a user profile and virtual Card in the American Express Go portal, with the option to send a physical Card.
Virtual Cards are sent to users via the Amex GoTM mobile app, and they can start using them online right away. Also, a physical Card can be used for in-person purchases once it arrives. Furthermore, one good thing about it is that there is an option to reuse the virtual Card at a later date.
Their VCC is also made in such a way you can use it worldwide. The currencies are the euro and US dollar. Moreover, you can have the Moment Process for making free VCC with simple data and confirmation. The other benefit is Neteller will charge less if you claim the first virtual MasterCard for free.
Privacy Cards put the control in your hands when you make a purchase online. Business or personal, one-time or subscription, now you decide who can charge your card, how much, how often, and you can close a card any time.
Using their virtual credit card service helps you to protect their money when shopping online. It is one of the best virtual credit cards that offers a unique card number that only works for the individual merchant.
It’s very easy to use and gives me great peace of mind in protecting your card info from a multitude of stores, utilities, etc.
Another good VCC Provider for someone in the U.S is Beneto. With their service, you can manage your organization’s expenses and spending by generating and assigning a virtual card for your account.
- Card information is securely stored in your account.
- It helps you to manage both virtual and physical cards.
- You can instantly use a virtual card once it is issued.
- The card is accessible by authorized users.
- It offers more security and speed than a traditional physical card.
#9: ecoPayz Virtual cards
With the contactless ecoPayz Mastercard®, you have instant access to your ecoAccount* funds to spend at home or abroad, and make ATM withdrawals.
Available in 8 currencies, it gives you total control over your finances, not only of your spending but your security with advanced security features that’s easy to manage in your account.
ecoPayz uses the latest security and fraud protection technology to provide you with a fast, secure way of transferring funds to and from our merchants, partners and spending safely online.
The security and integrity of your personal information is our top priority, and your financial information is never shared with anyone, even when you pay directly on sites.
- It offers an instant and safe payment service.
- ecoVirtualcard has 2 step verification process through the phone.
- You can get a card PIN without any hassle.
- This virtual credit card USA service gives multilingual support.
Best Virtual Credit Card Providers in the USA 2021 – Our take
If you are always doing business online, getting a Virtual Credit Card is something to practice if you really want to keep yourself safe.
Above, we have listed some of the Best Virtual Credit Card Providers in the USA 2021. It should be noted that the list above doesn’t indicate the first is the best VCC provider. But for our take on this, we will recommend;
- American Express Go – safe and secure plus has support for use worldwide
- US Unblocked
- Privacy – You are in control of your money when you spend online
The other providers are good. This is just our opinion and based on the features of each provider, you should be able to make your choice.
Are virtual credit cards safe?
Virtual credit cards essentially give you a leg up over fraudsters, especially if you’re using a single-use number. Not only will it mask your actual account number—but it’ll also be invalid after one transaction, rendering it useless to hackers. The main issue is to know where to get one.
Can you transfer money from a virtual card?
You can transfer your virtual Visa funds to your bank just like you would transfer them from a regular card. The Visa card has a card number, expiration date and security code, just like a plastic card.
Can I transfer a virtual Visa card to PayPal?
Yes. Anywhere in the U.S. where PayPal is accepted, you can use prepaid gift cards that have a Visa®, MasterCard®, American Express® etc.
What is a virtual card?
A virtual card has a 15-digit number, expiration date, security code, and associated billing zip – just like a regular credit card. Virtual Cards offer improved control, with the ability for the Corporate account holder to define the amount and time frame.