Can I use a virtual credit card in a store?
Quick insights
- In most cases, virtual credit cards are intended for online use only.
- While it could technically be possible to use a virtual card in store, it would require you to enter the number manually at the card reader (which may not be an option).
- Virtual credit cards are connected to your credit card account, but use tokenization to help protect your physical credit card information.
There are many ways to complete a transaction when paying in a store. Depending on the payment terminal, you may be able to swipe, tap or insert your debit or credit card. But if you’re using a virtual credit card, your options will be different.
In most cases, virtual credit cards are intended for online use only. Read on to learn more about using a virtual credit card.
Understanding virtual credit cards
A virtual credit card is a digital version of a physical credit card. It is tied to the same account as the physical card but can only be used digitally. Many of the elements associated with traditional credit cards also apply to virtual credit cards, including the need to make payments on time to avoid accruing interest.
Virtual credit cards can help provide an extra layer of protection for online purchases through a process called tokenization. With tokenization, each virtual card is assigned a unique number (known as a “token”) that is different from your physical credit card number, helping protect your information in the event of fraud.
Depending on the card issuer, virtual cards could be temporary (meant for single use or a single merchant) or permanent (meaning the token will be used for any purchase with the card).
In addition, virtual cards may provide:
- Customization: You may be able to set spending limits for individual virtual credit cards or specify the maximum amount that can be charged to the card.
- Convenience: Virtual credit cards can usually be generated instantly through your bank's website or mobile app if your bank offers them. This can be a helpful solution for time-sensitive purchases. Chase does not offer virtual credit cards.
- Use options: Depending on the issuer, cardmembers may be able to generate multiple virtual cards depending on their needs.
Due to their digital nature, virtual cards are typically used for making purchases online.
How to use a virtual card in store
In most cases, it isn’t possible to use a virtual card at a store, as these cards are intended for online use. Depending on the issuer and retailer, you may be able to enter your virtual card number at the card reader. But because this won’t always be an option, it may be a good idea to rely on other payment methods.
If you would prefer to pay on your phone, you may be able to add your physical credit or debit card to a digital wallet (which also uses tokenization). However, not all stores accept digital wallets, so you may still want to keep an alternative payment method on hand.
Note that virtual credit cards are typically not compatible with digital wallets.
Getting a virtual credit card
Not all credit card issuers offer virtual versions of their cards. If your card issuer provides a virtual credit card option, you can typically request one through your online bank account or mobile banking app. Once the bank approves your request, you can usually begin using it right away.
Note that Chase does not offer virtual credit card options. If your card issuer does not provide virtual credit cards, you may be able to add your card to a digital wallet and use it at terminals that accept contactless payments.
In summary
Virtual credit cards are generally for online use only. As an alternative, you may be able to use a card stored in a digital wallet for in-store transactions (note that not all establishments accept digital wallets). Like virtual credit cards, digital wallets use tokenization to protect your actual credit card number.
