Tip: Due to the low supply and partly bad conditions, rather a prepaid credit card is recommended. It fulfills the same purpose, but can also be used in shops and at ATMs.
Best virtual credit cards in comparison 2019
Provider virtual credit card
Advantages and disadvantages of the virtual credit card
First of all, you will find below all the advantages and disadvantages of virtual credit cards in the overview:
Advantages
- The virtual credit card can never be stolen from you.
- Shopping on the internet is now open to people who do not have "plastic money".
- For many providers, the virtual credit card is the cheapest way to pay with the popular credit card feature.
- Since the virtual credit card is usually a prepaid model, you cannot make any debts with it.
- The administration is possible via an online account from almost anywhere in the world.
Disadvantage
- You cannot pay with the virtual credit card in stores, hotels or restaurants.
- Since the virtual credit card is almost always a prepaid model, it must always be charged with credit before use.
- When traveling or abroad, the virtual credit card is of no use to you.
- The number of providers is still quite limited.
Detailed information about the virtual map
Especially on the Internet, the credit card is today by far the most widely used method of payment. It is considered a quick, easy and secure way to pay for your purchases, travel, services, etc. online.
But what do you actually need to pay on the internet with your credit card?
Quite simply: the credit card number, the check digit and the expiration date. So when you pay on the Internet with a credit card, you do not have to present the card to yourself, but only need the data noted on it. This circumstance prompted resourceful developers to introduce the so-called virtual credit card (often free). Basically, this is not a credit card at all, but a small dataset that the customer receives from their provider. So there is no plastic card that you can carry around in your purse.
For whom is a virtual credit card suitable?
Shopping online with credit card According to the previous information, it is already obvious: A good virtual credit card is free and is particularly suitable for people who like to shop and a lot on the Internet. Especially when shopping abroad, a credit card is often indispensable in order to become a customer at all. The virtual credit card is the cheapest and easiest way to meet these requirements.
For almost all providers, the virtual credit card is designed as a prepaid credit card. This means: You must first charge your card account with a credit balance, which you can then re-use by means of credit card payments. The possibilities for charging are manifold:
- The virtual credit card can be charged by bank transfer to the customer account
- Many providers now also allow charging via PayPal or
- Western Union (thus it is also possible to transfer credit to the credit card via cash deposit)
Cost of the virtual credit card
Let us now come to a pleasing point: the cost of a virtual credit card. Since the provider eliminates many cost factors (including the issue of a physical credit card), the virtual credit card can be offered particularly cheap. Often the virtual credit cards are free, as you can see in our comparison.
Virtual credit cards are very cheap Of course, a decisive factor here is that this credit card model is almost always a prepaid solution. Thus, the provider can incur no costs through a financial framework of the customer, the u. U. cannot return.
Nevertheless, it is indispensable to take a look at the general terms and conditions (the famous fine print) before concluding the contract. Again and again, there are providers who notice, for example, so negatively, to charge setup and renewal fees for the virtual credit card. But that does not have to be: Since the provider of a virtual credit card, a particularly low administrative burden, you should insist that at least the fixed costs are free.
Management of the card account
The management of your credit card account is done exclusively via the Internet. For this purpose, the providers provide comfortable customer portals via which all transactions - deposits and expenses - can be checked and reconstructed. The benefits of online account management are obvious: You can access your account from anywhere in the world, if you have an Internet connection, and check the transactions in question.
Conclusion
Use our comparison to the virtual credit card and find the best, free model for your needs!
