Online banking has been getting very high credits in the market right now with many people turning away from heir traditional banks to work online on their computers for online transactions, sales, buys and subscriptions.
And that is why virtual credit card and virtual debit card providers have got very much more clients for their great abilities and features. That is why in this article today, we will be bringing to you the best free virtual credit/debit card providers in the US this year 2022.
Top 10 Best Free Virtual Credit /debit card providers in the US
First of all, what is a virtual credit card, what is a virtual debit card, and what is all this all about?
What is a Virtual Credit Card and what is it all about?
A virtual credit card is a one-time use credit card number that you can use to make purchases online. These fictitious account numbers are intended to keep your real account number out of the wrong hands.
A virtual credit card is a 16-digit number that is produced at random and linked to your actual credit card account. This service may be offered by your credit card company as a way to safeguard you from fraud when you shop without showing your physical credit card.
Virtual credit cards are one-of-a-kind credit card numbers that allow you to use your main credit card account without risking data breaches or fraud. You can use a virtual credit card to limit the use of a credit card number to a particular retailer.
What is a Virtual Debit card and what is it all about?
As the name says, a virtual debit card is an online card and a type of payment card linked to a virtual bank account. It is also known as a check card or bank card. And due to that, you will have numerous advantages with this virtual debit card and one of them being free access from anywhere.
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Virtual Debit cards are issued by banks and credit unions(Obviously virtually for providers), and MM/YY expiration date is always printed. You cannot purchase anything with an expired card. Use your debit card to receive cash from a nearby ATM, pay out $ 5, $ 1, $ 10, $ 50, or $ 100, buy online or in-store, pay your bill automatically, $ 5. Or you can receive cash from where $ 10 was returned. A store that returns the most money.
What is the difference between a Virtual Credit card and a Virtual Debit card?
This is quite easy because as the name says; When you use a virtual credit card, the money you spend is taken on credit and can be used for one time payments. You're borrowing money from the bank that issued your credit card on the condition that you repay it by the due date.
A virtual debit card, on the other hand, allows you to spend money that is already in your account and it is not only for one time payments but for several payments like subscriptions. When you use a debit card, the money is deducted from your checking or savings account.
This implies that every time you swipe or tap a debit card to make a transaction, money from your bank account is withdrawn.
READ ALSO: How To Get Money Off An Expired Debit Card Easily
How to get a virtual credit card
The steps to obtain a virtual credit card are as follows:
Step 1: Get a credit card
Step 2: Go to the settings section of your credit card account online.
Step 3: If necessary, download and log into the virtual card issuer's app.
Step 4: Locate a virtual credit card and obtain the card number.
Step 5: Accept the produced 16-digit virtual card number, expiration date, and security code, and select the number's validity period.
Step 6: At this point, you can use your virtual credit card.
The Top Ten Best Free Virtual Credit/Debit Card Providers in the US
Virtual cards providers assist you in obtaining a computer-generated credit or debit cards (not physical plastic cards). They allow you to shop online without having to provide your credit card number.
These cards offer fraud protection as well as automatic spending limit monitoring.
READ ALSO: How to Setup Paypal Key and Get a Free Virtual Credit Card 2022
The Top Virtual Card/Debit Services are listed below, along with their most popular features and website connections. There are both open source (free) and commercial(paid) options on the list.
#1. US Unlocked
This virtual prepaid card provider is most recognized for allowing users to shop from a range of US shops from any location in the world. It just took a few minutes to sign up for their service, load $50 onto the card, and pay a nominal charge to use the card for one-time transactions at a variety of US shops.
The virtual card comes with a billing/shipping address in the United States, making transactions with US retailers simple. You may gain immediate access to services like Netflix US, Hulu, and HBO Max, which are only available in the United States.
US Unlocked offers two types of cards. The first card is only good for one transaction and cannot be used again. The other is a merchant-specific card, which becomes locked to a specific merchant following a transaction with them.
Features
- The company sells two sorts of cards: a one-time use card that cannot be used again after a single purchase and a merchant-specific card that is locked to a specific merchant after a transaction.
- Depending on your country, you can load your account via local bank transfers, Sofort, Boleto, Yandex, and 14 more innovative options.
Fee: Has a $15-lifetime membership fee.
Visit: US Unlocked
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#2. American Express
You're well aware of how difficult it is for a freelancer to obtain a credit card. American Express recognizes this and offers its customers a virtual credit card service that is both simple to use and administer. And is currently the best platform for freelancers and contract workers.
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This virtual card can be used to make online purchases by self-employed professionals such as freelancers, digital marketers, and writers. With this VCC, keeping track of all your transactions is a breeze. You can also establish spending limitations on the card, which helps you figure out how much you'll be charged.
Features
- You may easily build own virtual card.
- It aids in keeping track of all transactions.
- This program allows you to keep track of your spending.
- Employees of your company can contribute money.
Fee: Completely Free of Charge
Visit: American Express
#3. Payoneer
Virtual cards are used to make online payments by most users and with Payoneer, you have this feature at your disposal.
Payoneer's virtual card enables you to make purchases online in MasterCard-accepting eCommerce stores. Using Payoneer's virtual card to make payments is similar to using a physical card. You only need to submit your credit card information on a payment page.
If you already have a Payoneer account, getting a virtual card is fairly simple. You must fill out the essential information on Payoneer's website. The provider will then review your details before handing you a virtual credit or debit card.
Features
- For online purchases that are made quickly
- Application is simple.
- Accepted everywhere MasterCard is accepted
- A completely free account.
Fee: Free
Visit: Payoneer
#4. Blur - Best for secure password-protected online transactions.
Blur's virtual credit card services are popular because they add a high level of protection to bank or online transactions. It syncs with a variety of devices, allowing you to pay and check out using your phone, tablet, or browser.
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For each purchase, you can generate a new credit card number. Its security is maybe its most appealing feature. The software can encrypt your password, making it hard for hackers to steal vital data or bank account information.
Features
- For each purchase, Blur can establish a fresh credit card number.
- It has the ability to sync securely across all devices.
- This service can disable hidden trackers, eliminate secret data collecting, and more.
- With only one tap, you can complete the online form.
- It has the ability to encrypt your password.
Fee: Free of charge
Visit: Blur
#5. EcoPayz
EcoPayz is an all-in-one virtual payment system that allows customers to send and receive money from anywhere in the world using a single, secure online platform. To open an account with EcoPayz, you don't need a bank account or a credit check. After you've set up your account, you'll have access to your funds through this platform, which you can spend in any way you like.
The tool is also equipped with the most up-to-date fraud protection technologies, ensuring that your money is protected while making online purchases. When using EcoPayz's virtual card to conduct transactions with merchants, partners, or online retailers, it is safe, secure, and efficient.
Features
- It provides a free virtual credit card as well as an immediate and secure payment option.
- EcoPayz uses a two-step phone verification process.
- You may easily obtain a virtual prepaid Debit card PIN.
- This virtual credit card provider in the United States offers multilingual help.
Fee: Free
Visit: EcoPayz
#6. Walmart MoneyCard
Walmart MoneyCard is a full-service virtual financial system that, in essence, manages your banking needs through a strong digital ecosystem. You may load money onto your Walmart MoneyCard instantaneously from any bank in the United States. This money can be put towards making online purchases a breeze.
You may now deposit cash for free at any Walmart store across the country using the MoneyCard app. Within the MoneyCard app, you can add up to four more virtual debit card accounts, as long as they are all over the age of 13.
Features
- Cash reloads for free
- Money can be added from any bank account.
- Save money and earn 2% interest.
- Create a family virtual debit card account for four more people.
Fee: Free to download and use
Visit: Walmart MoneyCard
#7. EzzoCard
If you're looking for a virtual card that allows you to shop anonymously online, EzzoCard is an excellent place to start. EzzoCard's virtual credit and debit card can be used on any website that accepts Visa or MasterCard as a form of payment.
When purchasing a card from EzzoCard, you have a range of alternatives to pick from. Depending on the features and validity period you desire, you can choose from the Blue Card, Green Card, Brown Card, or Black Card.
Features
- Shop anonymously on the internet.
- Application procedure is simple.
- There is no need for a bank account or a credit check.
- There are four different sorts of cards available.
Fee: Free
Visit: EzzoCard
SEE ALSO: The Best Virtual Prepaid Cards for International Shopping
#8. Open.money
Open.money is a real-time online expenditure management, tracking, and control application for businesses and people. It's a virtual card that allows you to spend your money wisely without carrying cash or a card.
Features
- For a cashless society, Open.money is the ideal answer.
- For each subscription, you'll receive a virtual card.
- Never go overboard.
- Receive notifications for every transaction you make.
- You can keep track of your expenditures in real time.
- Every online purchase is visible in real time.
- Make your payments automatic.
- Each time you complete a task, you will be rewarded.
Fee: Free
Visit: Open.money
#9. LeoPay
LeoPay is a global financial management solution that allows customers to create an account in minutes and obtain several IBANs (International Banking Account Numbers) in various currencies. It's simple to set up and use, and it's accessible via the web or a mobile app.
Users get two virtual cards for free when they sign up for the program. The card can be used to pay or withdraw money from any location on the planet. You'll also receive transaction alerts for any payments you make or receive right away.
Features:
- Obtain numerous IBANs in more than ten different currencies.
- Two complimentary visa cards are available.
- Instant notification is available.
- 24/7 access from the web and mobile app.
Fee: Free
Visit: LeoPay
#10. NetSpend
Netspend is a fantastic online money management application. It accomplishes this by giving customers a virtual prepaid card that may be personalized with a photo or symbol of their choice. When creating a temporary card number to use on sites that don't accept debit cards, the service is quite beneficial.
The card is convenient to use across the country and offers strong security for both your physical debit and credit card information. You may also check your balance from anywhere at any time. With Netspend's virtual credit cards, receiving transaction alerts as SMS messages is also extremely convenient.
Features
- This temporary credit card service allows you to view the balance of your card account from anywhere and at any time.
- You can easily generate a temporary card number.
- Even if someone uses your card, this fast virtual Debit card provider protects it.
- Netspend cards are accepted throughout the United States.
Fee: Contact them then get the prizing
Visit: NetSpend
READ ALSO: The Best Instant Virtual Credit Card Providers in Australia - 2022
Quick Recap
In a quick recapitulation, below is the list of the top ten free virtual credit/debit card providers in the US
- US Unlocked
- American Express
- Payoneer
- Blur
- EcoPayz
- Walmart MoneyCard
- Ezzocard
- Open.money
- LeoPay
- NetSpend
Frequently Asked Questions (FAQs)
Do banks in the USA provide virtual credit cards?
Yes! But Customers can get virtual credit cards from only three institutions in the United States. Citibank, Bank of America, and Capital One are the three banks involved in providing virtual cards.
Can you limit the maximum transaction amount in a virtual card?
Yes, you can create virtual cards with different transaction limits of your choice.
What is the procedure when applying for a Virtual Credit Card with banks?
A virtual credit card can be applied for in one of two ways. To obtain a virtual card, you can first approach the bank directly. If the bank does not provide this service online, a conventional credit card can be linked to the online services of a third-party bank or payment system that does.
CHECK ALSO: How to get free Virtual Credit Cards in the US 2022
Conclusion on the best credit card providers in the US
To close this article, we had in this article the best free virtual credit card and or virtual debit card providers in America and we also brought in some additional answers to some question like the difference between a virtual credit and debit card, defining what a credit card is and what a debit card is.
Read the above article well and learn the top 10 best free virtual credit/debit card providers in the US.
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