The Best Virtual Credit & Debit Cards of December 2023

Get Instant Card’s researches and reviews virtual payment credit cards to help people in the USA find the best virtual cards that meet their needs.

As technology surrounding payment processing evolves, so have available digital payment methods. A large and growing number of businesses now accept virtual payments both online and offline through the likes of PayPal, Apple Pay, Google Pay and many more. Consumer demand for virtual / digital credit card solutions have been growing so multiple banks and private companies have joined forces with conventional credit card operators to address the needs of the market by offering digital virtual credit cards that can be used in a variety of ways.

So What Is a Virtual Debit or Credit Card Exactly?

A virtual debit or credit card is a virtual card that only exists online. These cards can be generated on demand and share the conventional 16 digits, CVV and expiry date of their physical counterparts. These virtual cards are also widely accepted pretty much anywhere online that conventional payment cards can be used. In short, virtual credit cards and virtual debit cards offer a number of features that physical cards lack by combining the power of online banking with online payments.

In short, virtual credit cards and virtual debit cards offer a number of features that physical cards lack by combining the power of online banking with online payments.


What makes virtual credit cards and virtual debit cards useful?

These types of virtual payment cards are super convenient for online shoppers and are useful in a number of ways:

  1. They can be instantly generated online.
  2. They are typically generated as single use cards for every online transaction effectively enhancing control over online purchases*.
  3. Added protection against fraud by minimizing the opportunity to capture and reuse the payment information.
  4. Improved card organization with virtual wallets & real time tracking through online dashboards.
  5. Ability to disable a virtual credit card / debit card at your convenience.
  6. Fund cards in real-time, or assign a dedicated limit of your choice.
  7. Can be used like gift cards, business cards or even as a form of allowance.
  8. Greater controls over online subscriptions with recurring monthly or yearly charges.
  9. Accepted pretty much anywhere online conventional credit cards are.
  10. Cash back rewards.

Our Pick Of The Best Virtual Credit Cards Of December 2023

After some thorough research and testing, we at Get Instant Cards have put together the following list of our top virtual credit card picks to help simplify the process of choosing the right service for you.

Top Cash Back Card

With the Greenlight debit card and app, kids earn money through chores, set savings goals, spend wisely and invest.

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Top Privacy Card

Privacy's technology allows you to easily create and fund customized virtual credit cards on the fly, directly from your phone or PC within seconds.

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Top Virtual Card

Lastcard helps protect you and your wallet against online threats. The virtual card generator shields your actual personal details from vendors and hackers alike.

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Top Retail Card

Stripe Issuing allows you to create, virtual and physical cards. Control expenses, reduce operational burden, and even create new lines of revenue.

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Why use GetInstantCards.

Generate Virtual Credit Cards Instantly

Reduce the Risk of Fraud

Enhance Spending Controls

More Convenient Way to Shop Online


It’s important to compare credit cards so you can find the right card for your specific needs. The best credit card for you may not be the best credit card for someone else; it all depends on how much you make, how much spending you do with your card, and what rewards and features are important to you. For example, if you spend $2,000/month on your card and pay it off each month, you may want to find a great rewards credit card. On the other hand, if you're in a cash crunch and there’s a chance you won’t be able to pay off your balance each month, you may want to look at no fee or low interest credit cards, instead.

Credit card interest is charged to your credit account if you do not pay off your full balance each month by the payment due date listed on your credit card statement. If you miss the due date, you will be charged interest on the entire balance of your statement. The interest rate on a credit card is typically 19.99% for purchases and, if you can’t pay off your full balance, it goes back and begins to accrue on the date you made each transaction. For this reason, it’s important you only use your credit card when you know you can afford to pay it back in full by the payment due date to avoid high interest rates and penalties.

Annual fees are attached to some credit cards because you have to pay for the privilege of having the card in order to receive its more lucrative rewards, perks, or low interest rate. Most annual fees range from $20 to $120, but they can go as high as $699. Typically, the higher the annual fee for a credit card, the greater the rewards it offers. Popular credit card reward programs offer travel, cash back and loyalty rewards points.

If you pay off the full balance of your credit card (not just the minimum payment) by the payment due date and use your card responsibly, you could maximize the benefits of using your credit card by earning some great rewards. Of course, it’s important to be aware of the annual fee and understand how to value the points in your credit card’s rewards programs. But if you spend enough money, the rewards could far outweigh the credit card’s annual fees. If you don’t plan on using your card very often, don’t value the rewards or will not take advantage of them, a card with an annual fee might not be the best choice for you. In this case, consider a no fee credit card that still offers some rewards.

While advantageous in many ways, there are some drawbacks to virtual cards:

  1. Virtual credit cards and virtual debit cards are designed for strict online usage and therefore cannot be used in person in physical stores.
  2. To prevent fraud, virtual payment cards are generated on a single use basis so it sometimes may prove to be difficult to get a refund for online purchases as it’s harder to trace back to the original physical card or account it was funded with.