Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Citi virtual credit card: How does it work?

A great way to boost your credit card security.

Virtual credit cards are a separate set numbers you can create to use for online shopping. This is a useful feature if you don’t want to reveal your actual credit card information to vendors or if you fear a subscription may be hard to cancel.

Citi is a Finder advertising partner

Does Citi have a virtual credit card?

Yes, Citi is one of the rare credit card providers that offer virtual credit card numbers, for eligible cards. Unfortunately, Citi doesn’t list which cards are eligible.

Some users report that the only cards that aren’t eligible are its personal and business Costco cards, and the Citi® / AAdvantage® Executive World Elite™ Mastercard® and the Citi Simplicity® Card.

But this could change, however.

Compare Citi credit cards with a virtual credit card option

Since Citi doesn’t specify which cards are eligible for virtual card numbers, check a card’s benefits before applying to see if you’ll find the feature.

1 - 3 of 4
Name Product Filter values Rewards Purchase APR Annual fee
Capital One VentureOne Rewards for Good Credit
Capital One VentureOne Rewards for Good Credit
1.25x miles on every purchase, every day and 5x miles on hotels and rental cars booked through Capital One Travel
26.99% variable
The same rewards and $0 annual fee as the Capital One VentureOne Rewards Credit Card, but for those with good credit.
Brex 30 Card
8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases
The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.
Capital One VentureOne Rewards Credit Card
Earn unlimited 1.25x miles on every purchase, every day. Earn 5x miles on hotels and rental cars booked through Capital One Travel
0% intro for the first 15 months (then 16.49% - 26.49% variable)
Earn 20,000 bonus miles once you spend $500 on purchases within the first 3 months from account opening.

Compare up to 4 providers

How to use a Citi virtual credit card

If your credit card is eligible to get Citi virtual credit card numbers, you’ll need an online Citi account to enroll. Here’s how it works:

  1. Visit
  2. Click Enroll In / Get.
  3. Sign in to your online account.
  4. Choose either web-based access to your credit card virtual numbers or download the PC version.
  5. Select the credit card you want to use.
  6. Click Generate.

This features also allows you to add spending limits and expiration dates.

Benefits of a Citi virtual credit card

The main benefits of a Citi virtual credit card are:

  • Secure online shopping. You can use your virtual card at unfamiliar vendors. And if there’s a data breach, deactivate your virtual card without affecting your real credit card. This is an excellent way to keep your credit card secure.
  • Set spending limits. A cap on spending protects you from hackers spending too much on your card.
  • Set expiration dates. Limit the length of time your virtual credit card is active with an expiration date.

What to watch out for

Using the Citi virtual card has its benefits, but there are some drawbacks to consider.

  • Limited use. Virtual cards are meant to be used online or by phone.
  • Not for all online purchases.
  • It could feel like a hassle. If you’re not tech-savvy, creating and managing virtual cards online or on your computer could feel overwhelming.
  • Subscriptions may suffer. If you’ve set up recurring payments with a virtual card, if it expires or you reach the limit, you could miss a payment.
  • Returns. If you want to return an item, it may be hard to get your money back if your virtual card has expired.

When shouldn’t I use my virtual credit card?

Don’t use your virtual card for items like tickets that require you to show your credit card to pick them up.

Bottom line

Citi is one of the few credit card providers that offers virtual credit card numbers. If your card is eligible, you can create virtual cards, set dollar limits and expiration dates and increase your card’s security for online purchases.

But if you don’t find the Citi credit cards appealing, look for other virtual-number cards until you find the right product.

Frequently asked questions

Is there an alternative to virtual credit cards?
Yes, you can use digital wallets, such as Apple Pay, Google Pay and Samsung Pay to avoid using your card directly with the merchants. Cards in your digital wallet may not be accepted everywhere, however, unlike virtual card numbers.

What happens to my virtual Citi credit card if I report my real card as lost or stolen
You will likely lose your virtual credit cards as well.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site