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Virtual credit card apps and browser extensions for 2022

Virtual credit card apps and browser extensions for 2022
Written by publishing team

Have you ever had your credit card information stolen? EMV chips They may help protect you during in-person transactions, but they do not keep you safe during online or phone purchases. Replacing a compromised credit card can be difficult and stressful, especially when you know that your entire credit may be at risk. Although you can always do it Freeze your balance After the fact, there is something you can do now to help prevent identity theft.

Enter virtual credit cards. These are temporary, disposable digital credit cards designed for online or over the phone purchases. When you use a virtual card to make a purchase, only the recipient of the payment can access and store that temporary card information, not your actual credit card account number. This protects your account from exposure in the event of a data breach and adds an extra layer of security to your online transactions.


Most card issuers do not directly offer the ability to create virtual account numbers or virtual credit cards directly from your account. But apps and browser extensions like Click To Pay, Masterpass by MasterCard, American Express Go, and Capital One Eno all provide virtual card options for safer purchases on many popular credit cards.

Click to pay

For Visa, Mastercard, Amex and Discover card holders

Click To Pay is a joint venture launched by Visa, Mastercard, American Express and Discover, designed as a unified service to provide safer online transactions. It is a virtual card solution that supports cards issued by many different credit companies, including all the partner companies that support the project. This means that it acts as an alternative to single virtual card services including Visa Checkout, Mastercard’s Masterpass, and American Express’ Express Checkout.

To register for Click To Pay, you must go to your card issuer and sign up for the service. Once your card is eligible for the Virtual Card feature, you will be able to use it at any online retailer that offers a Click To Pay option at checkout. If you are buying online, you should be able to select the Click To Pay option and simply log in to your account. Click To Pay will take care of the rest by creating a temporary card to complete the transaction. Although Click To Pay does not offer a great deal of control and is not available to all retailers, many large stores and other noteworthy sellers have embraced it as an option.

American Express Go™

AMEX card holders

American Express offers a virtual credit card service to its cardholders through a service called American Express Go. Originally designed for businesses to provide corporate card access to employees, American Express Go allows you to create a virtual credit card for any American Express account. You can also set custom spending limits and time frames for how long the card can remain active through the portal.

The virtual card can be loaded into digital wallets such as Apple Pay or Google Pay, allowing you to use your phone for personal business payments that accept these payment methods. Unlike most virtual cards, American Express also provides the ability to have a physical copy of your virtual card. This will still contain the 15-digit temporary number, so your main account will be protected and can come in handy when making payments while on flights.

cost: There is a $2 one-time fee to create your virtual card, and $5 per fee to use your card in a digital wallet or to create a physical card.

Capital One Ino

For Capital One card holders

Capital One Eno is Capital One’s virtual credit card service, available to any Capital One credit card holder. In order to use Capital One Eno, which is the company’s virtual assistant name, you will need to log into your Capital One account and install the Eno extension in your web browser. Eno is compatible with Edge, Chrome and Firefox. Once installed, the assistant will automatically appear at checkout and offer to create a virtual card for you.

If you prefer not to have Eno installed in your web browser, you can create virtual cards through the Capital One mobile app or the Capital One website, which you can then use by copying the card information and using it at checkout. You cannot use Eno or any Capital One Virtual Card at personal merchants – only online retailers. But the Eno extension makes the process of using virtual cards as easy and convenient as possible, especially since Eno keeps track of the virtual cards used for specific online merchants.

Citibank virtual account numbers

For some Citi cardholders

Citi’s virtual credit card solution is the Citi Virtual Account Numbers feature, which is available to many Citibank cardholders. Users can register for the Virtual Account Numbers Online feature and then access the virtual card generator either online through the Citi web portal or via an app available for Windows PCs. The service will generate a 16-digit card with a CVV and an expiration date that you can set. Every transaction you make with your Citi Virtual Card will appear on your regular monthly bank statement along with the corresponding virtual account number so you can easily track each transaction.

One of the advantages of virtual Citi account numbers is that you are not restricted to using the Internet. The number can be used to make purchases over the phone or to make reservations the way you want with a physical card. Citibank does not disclose which cardholders are eligible to use the Citi Virtual Account Numbers feature, so you may not be eligible. But you can sign up for the feature online to see if it’s available to you.

Masterpass by Mastercard™

For Mastercard, Visa, Amex and Discover card holders

Masterpass is a virtual card Mastercard service, although in reality it is closer to a digital wallet. Like other options, Masterpass creates a temporary card number for making purchases. What’s different is that you can use Masterpass with cards from non-Mastercard card issuers. This means that it will create a virtual card for you even if you use an American Express, Discover, or Visa card, among other options. The virtual card is available through the Masterpass app, which you can get on Android or through bank partner apps that support Masterpass.

Since Masterpass acts as a digital wallet, you can make purchases in person at a number of participating retailers that support the service at checkout. You’ll also earn rewards for using the service, which is an added incentive.

Note: Mastercard is phasing out the Masterpass feature in favor of a solution called Click To Pay (see above).

virtual card

Application / Extension



American Express Joe

Yes, mobile phone (iOS / Android)

Digital wallet, optional physical card, customizable expiration date, spending limit

Fee $2 online only, $5 for digital wallet/physical card

Capital One Ino

Yes, the web extension

Virtual assistant, selected merchant card number


Citibank virtual account numbers

Yes, Windows app

Customizable expiration date, make purchases over the phone


MasterPass from MasterCard

Yes, mobile phone (Android)

Digital Wallet & Rewards


Click to pay


Available at checkout from online retailers


Other Credit Card Recommendations

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publishing team