![]() ![]() Virtual account numbers can be useful in various circumstances, whether for security reasons or when you want to control a specific charge. See List of Credit Cards that Issue an Instant Card Number Upon Approval for a complete rundown on this option. These are also a virtual card number meant for online use until the physical card comes in the mail. Somewhat related: there are some card issuers who offer an instant card number upon card approval. The primary focus of this post is on card issuers who offer a special feature to be able to continuously generate temporary card numbers upon request. You can link an American Express or Capital One card as the payment source and they’ll create a one-time use virtual card. The Google Chrome browser allows creating virtual account numbers. US Bank doesn’t offer it with their traditional credit cards, though they do have some sort of business program which runs on virtual account/card numbers.Chase and Wells Fargo don’t offer a VAN feature.Discover discontinued their program in 2014.Privacy ( our review – also has a $5 signup bonus with referral).I haven’t researched these companies to know if they are safe and worth using, but here are the one’s I’ve found: There are a number of smaller companies who built businesses around the virtual account number idea. ![]() Card number can be used on any website (even those who do not accept PayPal) or over the phone or a store who will key in the number. ( Direct Link) It runs on the Mastercard network and allows hooking up any credit card to the virtual card number so that the merchant will not need to see your card number. PayPal offers virtual account numbers called PayPal Key. They offer virtual account numbers on the associated debit card. Netspend is a known issuer of prepaid cards. Use the Advanced Options to specify a dollar limit and a time limit to the virtual account number. You can find it under the Card Benefits tab in your login. ![]() CitiĬiti offers virtual account numbers ( Link). As I understand, it works for recurring charges as well, not limited to 12 months. Capital OneĬapital One also offers a virtual account number called Capital One Go. Bank of Americaīank of America used to offer virtual card numbers with their ShopSafe program, but they ended the program effective September 20, 2019. They do seem to have some sort of virtual account program for corporations, and possibly other businesses. Amex used to offer virtual account numbers, but stopped in 2004.to allow a recurring charge to continue), but it’s actually to your detriment in a scenario that you got the virtual number specifically to ensure those future charges don’t hit the account. One final note, some people mention that the virtual account numbers sometimes work past when they are supposed to (we’ve heard this only regarding Bank of America). Reconciliation: If you use virtual card numbers often, it can become difficult to track your purchases since you won’t recognize the card number as your own.Car rental, Hotels, Tickets: You might need to show a physical card at the car rental, hotel, and similar purchases.Store Pickup: Beware of using them for store pickup purchases since occasionally the retailer asks to see the card for verification.Also, if you do an in-store return they might occasionally ask to see the card, and a virtual card could complicate things. If you gave the card a 2 month limit, and you initiate a return after that time, the card number probably won’t work for the return and you’ll have to ask the retailer to put it back on a different card. Returns: Any returns should be able to go back on the virtual card (and then back to the main account), but beware that this will only work while the card number if valid.Just a few things to keep in mind before using the virtual number option:
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