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When you use your credit card online, you’re potentially exposing your card information to fraudsters or hackers. To avoid such risk, card providers like Capital One offer virtual credit card numbers to replace your real details. This way, if your virtual card numbers are compromised, your real credit card remains safe.
Yes. Capital One is a rare card provider that offers this feature to personal cardholders. To take advantage of it, you must use Capital One’s virtual assistant, Eno.
You need a Capital One online account to sign up for a virtual card. Then create a virtual credit card in five steps:
You can use the unique virtual card number that appears at checkout on future orders with the same online merchant.
Shopping with a Capital One virtual credit card keeps your personal and financial details safe:
One drawback to consider when using a virtual credit card through your Capital One account is that getting money back on returned items might be more difficult.
Retailers typically reimburse money to the card number you originally used to make the purchase. If that card is no longer active, it may require a call or email to designate an alternate form of reimbursement.
Try not to use virtual card numbers for purchases where you may have to show your card for verification. For example, if you buy will-call tickets online with a credit card, you may be required to show your physical card at pick-up. In such an instance, it’s best not to use a virtual credit card.
Capital One is one of the rare card providers that offer virtual credit card numbers to keep your physical details secure while you shop online. You can create a virtual card for each online retailer you shop at through a browser extension.
If you aren’t a Capital One cardholder and aren’t interested in becoming one, compare other providers that offer virtual credit cards.
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