Instant Use Credit Cards & Virtual Card Numbers

Digital wallets, like Apply Pay or Google Wallet, store your payment information and allow you to make payments using your smartphone. You can use your digital wallet to make payments in-store where accepted, online or in-app purchases. Virtual credit cards are randomly generated credit card numbers linked to your existing Zoro Card credit card account. Virtual credit cards are mainly used for online purchases to enhance security by keeping your actual credit card details private. For online shopping, input the virtual card number, expiration date, and CVV code provided by your card issuer or virtual card service.

• There’s no physical card to lose or keep track of and no plastic waste.
• Your digital wallet keeps your personal information safe by hiding it from merchants.
• This allows you to use a different credit card number for each merchant you spend at, prevent fraudsters from getting your primary account details, and set spending limits or expiration dates for each virtual credit card.
• Our suite of security features can help you protect your info, money and give you peace of mind.

If your bank doesn’t offer virtual credit cards, there are other providers that could work with your existing account. Click to Pay, for example, gives all Mastercard, Visa, Discover, and American Express cardholders access to virtual card numbers, regardless of their card’s issuer. Functioning similarly to a physical credit card, a virtual credit card offers enhanced security features. When you make a payment using a virtual card, a one-time password (OTP) is generated, which remains valid for only a few minutes. This ensures that the same password cannot be reused for future transactions, significantly reducing the risk of fraud.

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Additionally, Amex offers virtual cards via a partnership with Extend on its business card products, and it has American Express Go for corporate cards. A step below the Capital One Spark Miles card, the Capital One Spark Miles Select card offers business rewards with a $0 annual fee (rates & fees). As such, some Amex cards do enjoy an additional layer of security thanks to Click to Pay, but these cards can’t give you a true virtual credit card number like Capital One and Citi can. Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

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Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service. But should you worry about getting a virtual credit card to use when you shop online? A virtual card typically lets you choose your currency, set spending limits, customize the length of time a specific card number stays active, and even set it to close after a single use (sometimes called a “disposable card”).

American Express and Capital One are among the issuers that provide virtual credit cards. On the other hand, American Express supplies a virtual card number and provides dynamic security codes every time you use the card. Otherwise, virtual credit cards are pretty much the same as their traditional counterparts. For example, virtual card transactions pop up on your monthly statement just like physical card transactions do. Virtual credit cards offer features that add protection and convenience, but they might not be the right fit for you—especially if you don’t shop online often or if you prefer to use your smartphone for online transactions.