I have a Capitol One Venture-X that offers virtual cards.
The website plug-in works well. I have not had any issues, but should a vendor leak my information, it is fire walled to the one virtual number and would prevent the scenario you described.
A better question to ask would be why you are being hacked every 18 months.
Suggest you review your security practices.
“Suggest you review your security practices.”
Believe me, we’ve checked them top to bottom and do so frequently. I HATE having to fix the mess each time it happens.
I mentioned some of my security steps in my original post. I just re-ran complete virus scans on our machines and they are both clean.
We never let the physical card out of our possession at restaurants or any other merchant. We don’t use public networks for any transactions.
The only thing I can think of is smaller merchants with less than stellar security practices. We do not have the merchant save our cc number for future purchases; we enter it for each current purchase. All it takes is one merchant losing the number and I have to do all the fixes all over again. Hence my interest in the virtual cc.
Thanks for the info on Capital One Venture-X. I’ll look into that.
Citibank’s web site regarding virtual cards is awful. It says “Virtual cards are available on select credit cards” but they never tell you which of their cards has that feature. What a dumb design. And there is no way to reach them by email, phone, or chat to ask the question.
It took a lot of digging, but I found that the "CapitalOne Venture One" card has no annual fee and provides the virtual card feature.
I found this new article on CardRates.com that has the CapitalOne Venture card rated #1 for virtual cards: Best Virtual Credit Cards of 2022, December 23, 2020. It says "We rank Capital One on top because its Eno browser extension allows you to create a virtual number for any online merchant."
I called and talked to several people at CapitalOne asking which of their cards has the virtual card feature. I was told that they don't know the answer to that; you find out after you get your card! I was pre-approved for six of their cards and nowhere does the summary page say if that virtual card feature is offered on the card! This seems to be an obscure feature that the card companies are not telling the world much about. You have to learn about it on your own and really dig in to find a card that has it.
I also found out that Chase doesn't offer virtual cards, but the Visa company does through the "Click to Pay" service that was introduced in 2019.