Best Virtual Credit Card Providers 2023

Best VCC Credit Cards

by Raven T.

The VirtualCredit Card is ideal for all online shoppers. Some companies call these cards ‘prepaid’ or ‘stored-value,’ but they mean the same thing. What is a virtual credit card, you ask? Let me explain.



What is a virtual credit card (VCC)?

  1. What is a virtual credit card (VCC)?
  2. Why do I want a VCC?
  3. Free Credit Card Number Demo
  4. Okay, I want a VCC. Where do I get one?
    1. Netspend
    2. Payoneer
    3. American Express Go
    4. Neteller
    5. Visa VVC
    6. Walmart MoneyCard
    7. Netspend VCC
    8. Freecharge Go Mastercard
    9. Kotak Netc@rd
    10. Dhani Pay
  5. Safety tips on Using VCC Credit Cards
  6. Concluding words for Getting a VCC Credit Card

A virtual credit card, or VCC, is a randomized credit card number for online use. To learn more how it works, check out this free credit card numbers app. This number connects back to your main credit card account. VCCs can be closed without having to close your main account. Think of a VCC as a ‘ throw-away’ version of your real credit card.

You won’t earn interest for your money, and VCCs do not improve your credit score. That also means that VCCs don’t harm your credit score.



There are several different providers of VCCs. Though some internet venders do not accept payment through VCC and transactions with VCCs can be slow, these virtual credit cards are actually quiteversatile in most scenarios.

You’re probably thinking: that sounds great and all, but what’s the point?

Well, I’ve got some great reasons to want a VCC. You might even sign up for one as soon as you’re done reading this article.


Why do I want a VCC?

1. Most online stores will accept payment through VCC

As virtual credit cards become more popular, merchants have learned to trust VCCs. Though, as I’ve mentioned, VCCs are occasionally prohibited depending on the site you shop with, many trusted companies supply VCCs and encourage their usage.

2. Using a VCC to pay is safer than using your physical card

This is my favorite reason for using a VCC. The online card is a randomized number that prevents any of your bank account data from being shared with venders.

Venders traditionally have access to your billing address, name, credit card number and credit card security code. With a VCC, none of this information (besides the randomized numbers of your VCC) are offered to merchants. This prevents any identity and credit card theft.

3. Limits are easier to set than those of normal credit cards

Time and payment limits exist for every kind of credit card that you can use, including VCCs. However, with virtual credit cards, you have more freedom when deciding what your limits are.

If you actually want to limit how much you spend on a certain site, VCCs can help you by setting spending limits for your VCC. This is useful if you want to keep yourself from overspending.

Make sure you read the rules and regulations of your VCC. Just like your main credit card account, there’s the possibility of over-limit repercussions on a VCC. These limits depend heavily on your providers, so check with the company to determine what’s best for you!

4. Changing type of currency is easy

If you’re making purchases with a merchant from another country, VCCs are ideal for that. Say that you typically use USD to pay online. You can easily exchange USD for EUD (or whatever new currency you need) if you need to with the settings of your VCC.

Make sure you check that this is a feature on the card you sign up for if this is a feature that you definitely will need in a card. Everything depends on your provider.


Okay, I want a VCC. Where do I get one?

I’m glad you asked. Here are the top 12 providers of virtual credit cards for 2023.


1. Netspend

Netspend
Netspend

Netspend offers prepaid cards for online shopping. There is no activation fee for your Netspend card.

This provider also has no minimum balance that you must maintain when using your VCC. This card, like all legal credit cards, requires identity verification.

Netspend does not check your credit score when you open an account, which is a highly admired feature for VCCs.


2. Payoneer

Payoneer
Payoneer

The Payoneer VCC is available through some mass payout companies. This payment method is listed as “Payoneer Virtual Card” if you have an account with a mass payout company.

Payoneer prides itself in low fees and global connections. The card is prepaid and is not associated with your bank account.



3. American Express Go

American Express Go
American Express Go

You can receive a physical version of your American Express VCC if you choose. This VCC is marketed to companies who can use it for safe spending, but individuals are free to use this VCC too.

There’s a mobile app from which you can control your VCC. Alternatively, you may use your physical VCC card to make purchases in person. Transactions are easy to keep an eye on with American Express Go.


4. Neteller

Neteller
Neteller

If you live anywhere besides the USA, Neteller is a great choice. This provider makes fast payments and allows you to deposit funds into your account without exposing your personal information and putting yourself at risk.

Unfortunately, Neteller is no longer available in the US. Many other locations around the world still have access to Neteller. Check the website to find out if you can apply for a VCC today!

5. Visa VVC

This provider is transparent with its fees and easy to use. You don’t have to risk going into debt and your money is insured by the FDIC.

The trusted Visa name occasionally allows this card to be accepted by merchants skeptical of VVCs. If you shop a lot online, Visa is a good option to look into.


6. Walmart MoneyCard

Walmart  MoneyCard
Walmart MoneyCard

This card is prepaid and works to earn you cash back. You get 3% back on Walmart online purchases, 2% at Muphy USA and 1% at Walmart stores.

This money goes back to your card at the end of the year. You can get up to $75 back if you shop consistently with your Walmart MoneyCard!


7. Netspend VCC

Netspend VCC
Netspend VCC

With no credit check and no minimum balance required, Netspend is a good VCC choice. This card has no activation fee.

Make sure you pay attention to plan options. Monthly plans and pay-as-you-go plans are offered for the Netspend card. Choose what will fit best with your spending habits!


8. Freecharge Go Mastercard

Freecharge Go Mastercard
Freecharge Go Mastercard

With Freecharge Go, you can pay using your app. All platforms that support Mastercard will accept the Freecharge Go VCC. That means more options for online spending!

You can secure your virtual card with an MPIN. This ensures a safer shopping experience with Freecharge Go. The card is PCI-DSS compliant with a 128-bit encryption, so if you’re looking for safety, Freecharge works in your favor.


9. Kotak Netc@rd

Kotak  Netc@rd
Kotak Netc@rd

This card works anywhere that accepts VISA cards. Kotak Netc@rds are single use. This means they’re great for one-time, extra secure transactions.

Think of this card as a burn-card, like a burn-phone. Use it once and, as soon as the transaction goes through, you won’t be able to use it again. That means no one else can steal your card information!


10. DhaniPay

DhaniPay
DhaniPay

Dhani Pay is great for virtual shopping from India. The card works at Iac merchants who accept RuPay cards.

This card also has a feature that allows you access to airport lounges across 18 cities if you pay a small fee, not to mention some opportunities for shopping vouchers. The benefits of this card are its main attraction.



Safety tips on Using VCC Credit Cards

If you decide you want to try a provider that isn’t on this list, make sure you stay safe. US law mandates that those who sign up for a virtual credit card must provide identification to verify their personal situation.

If you try a site that I haven’t listed and the provider claims to be from the US, make sure you check for a notice regarding this law. Verified VVC provider sites have notes about the law that requests user identification.

To ensure that you aren’t giving away your identity to just anyone, do some research.

  1. Google the provider that you’re interested in and look for forums that discuss the safety of the VCC you want to sign up for
  2. Avoid websites that seem shabbily made or unorganized
  3. Avoid websites that cannot be verified by your browser
  4. Always look for more information about what you’re signing up for (either directly on the website or through safe sites found with a browser)


Concluding words for Getting a VCC Credit Card

If you’re in deep credit score trouble, a VCC won’t help with that. VCCs are incrediblyconvenient and useful, but keep in mind that they’re just pre-paid cards.

You need the funds to pay the card fees. You need an initial, approved credit or debit card account in most cases to open up a VCC account.

VCCs are useful if you:

  • Are an avid online shopper
  • Need help to cut down on spending (you can set limits!)
  • Want to keep your account and personal information secure
  • Don’t trust venders or merchants with your real, main credit card number

VCCs can’t solve all of your problems. Just remember that safety and organization are key here, as in most financial situations. Make sure you pay any fees associated with your VCC in a timely manner. Keep on top of your credit score through other means, like by paying off credit cards you’ve already been approved for.

That being said, shopping with VCCs can be fun and simple. Enjoy the experience with a logical head, and happy spending!

About Raven T.

Reven T. is a highly influential fashion blogger known for their impeccable style, insightful fashion tips, and captivating content. With a passion for all things fashion, Reven has established themselves as a prominent figure in the industry, gaining a substantial following on various social media platforms.

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