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Virtual credit card numbers let you make online purchases without disclosing your card’s true account details, protecting you from fraud. They’re also easy to cancel and replace, giving you more power over when and how much merchants can charge you.
We analyzed the best virtual credit cards in 2024 based on their capabilities, reward programs, costs, and more. Here’s what we found.
The Best Virtual Credit Cards in 2024
- X1 Visa
- Apple Credit Card
- Citi Double Cash Card
- Capital One Venture X Rewards Credit Card
- Blue Cash Preferred Card From American Express
- BILL Divvy Corporate Card
- US Unlocked
- Privacy
- Netspend
- Wise
The Best Virtual Credit Cards Compared
| Card | Min. Credit Required | Virtual Credit Card Capabilities | Rewards | Recurring Fees |
| X1 Visa | None (no credit check) | 4/5 | 3/5 | $0 |
| Apple Card | Fair | 2/5 | 3/5 | $0 |
| Citi Double Cash | Good | 3/5 | 3/5 | $0 |
| Capital One Venture X | Excellent | 4/5 | 5/5 | $395 per year |
| Blue Cash Preferred | Good | 2/5 | 5/5 | $95 per year |
| BILL Divvy Corporate Card | None (business) | 5/5 | 4/5 | $0 |
| US Unlocked | None (debit) | 3/5 | 0/5 | $3.50 per month and $0.50 per transaction |
| Privacy | None (debit) | 5/5 | 1/5 | $0 (lowest tier) |
| Netspend | None (debit) | 2.5/5 | 0/5 | $9.95 per month or $1.95 per transaction |
| Wise< |