We make online shopping safer with our Capital One virtual credit card. When you buy something online, our virtual credit card numbers protect your real account information.
Create a new VCC for any purchase in seconds. Our Capital One prepaid card service gives you instant access to unique card numbers. No waiting for cards in the mail. Your capital one prepaid debit card is ready to use right away.
Each virtual credit card shields your account from fraud and data theft. Shop anywhere in the world with our capital one prepaid credit card. It works on any website that accepts major cards.
Perfect for freelancers, businesses, and online shoppers who want better security. Get your prepaid card today and shop with confidence.
Available Our Instant Virtual Cards: Ready to Use
All cards are Reloadable Debit Cards and can be used for online purchases.
Category: USA Debit – BIN 434769
Total Price: $150.00 USD
Issuing Fee: $5
Balance Loaded: $145
✅ Reloadable
✅ Works for online purchases
✅ Instant delivery
Category: USA Debit – BIN 527520
Total Price: $100.00 USD
Issuing Fee: $5
Balance Loaded: $95
Availability: 20 Cards In Stock
✅ Reloadable
✅ Works for online purchases
✅ Instant delivery
Category: Visa Standard
Total Price: $120.00 USD
Issuing Fee: $5
Balance Loaded: $115
Availability: 33 Cards In Stock
✅ Reloadable
✅ Online shopping ready
✅ Instant activation
Important Notice: A $5 card issuing fee applies to every card. The remaining balance is deposited into the card and is ready for your online spending after activation.
What Is a Capital One Virtual Credit Card?
A Capital One virtual credit card gives you a fake card number that works just like your real one. Think of it as a shield between online stores and your actual credit card details.
When you shop online, you use this temporary number instead of your real card. If hackers steal data from a website, they only get the fake number—not your actual card. Your real account stays safe.
How Virtual Card Numbers Work
Here's what we love about how these work: each virtual card connects directly to your Capital One account, but merchants never see your real card number.
When you create a virtual card, you get three things:
✅ A unique card number
✅ Its own CVV code
✅ An expiration date
You use this info just like a regular card when you check out online. The charge shows up on your normal Capital One statement. Behind the scenes, Capital One routes the payment to your real account. The merchant only sees and stores the virtual number.
If that number ever gets stolen or leaked in a data breach, no problem. Your real card stays protected.
Capital One Eno: The Virtual Card Service Name
Capital One calls their virtual card tool "Eno." It's not a separate product you need to sign up for—Eno comes built into your Capital One account if you have an eligible card.
You can access Eno three ways:
✅ Through the Capital One mobile app
✅ Via the Eno browser extension for Chrome, Edge, Firefox, or Safari
✅ On the Capital One website
We find the browser extension especially handy. When you're ready to pay at checkout, Eno pops up and offers to create a virtual card for that purchase. One click and you're done.
Which Capital One Cards Offer Virtual Credit Cards?
Many Capital One consumer credit cards support virtual card numbers through Eno. Eligible cards often include Venture, Quicksilver, Platinum, Savor, and other major personal credit cards. If you already have one of these cards, you can usually start using a virtual card right away with no extra approval.
The Capital One Secured Card may also support virtual card access, depending on your account status and eligibility. We recommend checking your app or online account to confirm access.
For small business owners, select Capital One business credit cards offer virtual card features as well. These can help manage team spending and online vendor payments. Some older or limited card products may not support virtual numbers. If you are unsure, we suggest reviewing your card details in your account or applying for an eligible card to unlock this feature.
How to Get and Set Up a Capital One Virtual Credit Card
Method 1: Capital One Mobile App
The mobile app is the fastest way to create a virtual card.
Steps to set up:
Step-1: Open your Capital One app
Step-2: Tap the account you want to use
Step-3: Look for "Virtual Card Numbers" or the Eno icon
Step-4: Tap "Create Virtual Card"
Step-5: Choose your card type:
✅ Lock it to one store only
✅ Leave it open for any purchase
Managing your cards:
Once you create a card, you can:
✅ Turn it on or off anytime
✅ Delete cards you no longer need
✅ See where each card was used
✅ Set a spending limit (on some cards)
The app saves all your virtual cards in one place. You can create as many as you need.
Method 2: Capital One Website
Don't have the app? You can do everything from your computer.
Steps to set up:
Step-1: Go to CapitalOne.com and log in
Step-2: Click on your credit card account
Step-3: Find "Account Services" or "I Want To..."
Step-4: Click "Get a Virtual Card Number"
Step-5: Pick a card name (like "Amazon card" or "Online shopping")
Step-6: Choose if you want to lock it to one store
What you can do online:
✅ Create new virtual cards
✅ View all your virtual cards
✅ Lock or unlock cards
✅ Delete old cards you don't use
✅ Track where you used each card
The website shows the same info as the app. Use whichever works best for you.
Method 3: Eno Browser Extension (Chrome, Firefox)
Eno is a browser add-on that makes online shopping easier. It creates virtual cards right when you check out.
How to install Eno:
Step-1: Go to the Chrome Web Store or Firefox Add-ons
Step-2: Search for "Capital One Eno"
Step-3: Click "Add to Chrome" or "Add to Firefox"
Step-4: Sign in with your Capital One login
Using Eno while shopping:
When you're ready to pay online, Eno pops up and asks if you want to use a virtual card. Just click yes.
What Eno does for you:
✅ Spots checkout pages on its own
✅ Creates a virtual card with one click
✅ Fills in all the card info for you
✅ Saves time vs. typing numbers by hand
✅ Works on most online stores
How to Use Your Capital One Virtual Credit Card
Using Virtual Cards for Online Shopping
Treat it just like a normal card: When you're ready to check out, enter your virtual card number where the site asks for a card number. Type in the CVV code and the expiration date too. The website can't tell it's not your real card. It works the exact same way.
Let Eno do the typing for you: If you have the Eno browser extension, it fills in your virtual card info for you. No copying and pasting. No mistakes. Just click and let Eno handle it. You'll be done checking out before you know it.
Shop anywhere that takes credit cards: Your virtual card works on any site that takes regular credit cards. Big stores, small shops, apps — they all work. If the site takes Visa or Mastercard (whatever your real card is), your virtual card will work.
Buy from stores in other countries: Planning to buy something from a UK or Japan website? Your virtual card works there too. It handles the money exchange just like your physical card would. Shop the world without worry.
Merchant-Specific Virtual Cards vs. General-Use Cards
Lock a card to one store: When you make a virtual card for just Netflix or just Amazon, it only works at that one place. Try to use it somewhere else and it gets declined. This is awesome for security.
Stop thieves in their tracks: Say someone hacks a store and steals your virtual card number. If that card is locked to just that store, the thief can't buy stuff anywhere else. Your virtual card becomes useless to them. Your real card stays safe.
Perfect for bills that charge you every month: Gym memberships, streaming services, software you pay for — use merchant-locked cards for these. If the company tries to charge you more than you agreed to, or if you forget to cancel, you can just delete that virtual card. The charges stop right away.
Use general cards for one-time buys: Sometimes you just want to buy something once from a store you might not use again. Make a general-use virtual card for that. Shop, get your stuff, then delete the card when you're done. Clean and simple.
Using Virtual Cards for Phone/Mail Orders
Read the number out loud: Calling to order pizza? Booking a hotel over the phone? Just read your virtual card number to the person like you would your regular card. They type it in on their end and you're all set.
You can't use them in stores: Virtual cards only work when you're not face-to-face. You can't swipe or tap them at a checkout counter. For in-person shopping, use your physical card or add your real card to Apple Pay or Google Pay.
Hotels and car rentals can be tricky: Some hotels and rental car places put big holds on your card — sometimes hundreds of dollars. Virtual cards work for these, but check that your spending limit is high enough first. You don't want your card to get declined at the hotel desk.
Adding Virtual Cards to Digital Wallets (Apple Pay, Google Pay)
These are two different things: A virtual card from Capital One and Apple Pay are not the same. Apple Pay stores your real card number and uses it to pay. A virtual card is a fake number that protects your real one. Both keep you safe, but they work in different ways.
You can't put virtual cards in your phone wallet: Right now, you can't add your Eno virtual card numbers to Apple Pay or Google Pay. Those wallets only take your actual card. If you want to use Apple Pay, add your real Capital One card to it.
Pick the right tool for the job: Use Apple Pay or Google Pay when you're shopping in person or want quick tap-to-pay. Use virtual cards when you're buying stuff online and want an extra layer of protection. Use your physical card as a backup for everything else.
Key Benefits of Capital One Virtual Credit Cards
Protection Against Online Fraud and Data Breaches
Your real card number stays private: When you shop online, you don’t share your real card number. The store only sees the virtual number. This adds a strong layer of safety between your bank account and the internet.
A stolen number can’t be reused everywhere: If a hacker gets your virtual card number, the damage is small. Many virtual cards are locked to one store. That means the number won’t work anywhere else.
Less stress after data breaches: Data leaks happen more than we like. But if a store gets hacked, your real card is still safe. You can just close that virtual card and move on. No need to cancel your main card.
Easy Subscription Management and Cancellation
Stop charges in seconds: Tired of chasing down “Cancel” buttons? Just delete the virtual card linked to that subscription. The charges stop right away. No calls. No long emails.
Skip the awkward talks: Some services make you call to cancel. With a virtual card, you don’t have to. Turn off the card and you’re done.
See what’s linked to what: You can give each subscription its own virtual card. This makes it easy to track where your money goes. No more guessing which service billed you.
Control Spending with Merchant-Specific Limits
Set a spending cap: Some virtual cards let you set a max limit. This helps you stay on budget and avoid surprise charges.
Block extra or hidden fees: If a store tries to charge more than you allowed, the payment won’t go through. This helps stop overbilling.
Great for free trials and one-time buys: Trying a free trial? Set a small limit. If you forget to cancel, the card won’t allow a big charge. It’s a simple safety net.
Earn Rewards on Virtual Card Purchases
Same rewards as your regular card: Virtual card purchases earn the same cashback, points, or miles as your physical card. You don’t miss out.
Rewards post as usual: Your earnings show up just like normal. No special steps needed.
Counts toward bonuses: Working toward a welcome bonus? Spending on your virtual card still counts. Every dollar moves you closer.
Capital One Virtual Business Credit Card
Features for Business Expense Management
Create cards for each employee: We can create a virtual card for each team member. This helps us control how company money is used. If someone leaves, we just turn off their card. No need to cancel the main account.
Track spending by vendor: We can assign a virtual card to a single vendor. This makes it easy to see how much we spend with each one. It keeps our books clean and simple.
Set cards by team or project: We can issue cards for a certain team or project. This helps us stay on budget. We see right away where the money goes and where we may need to cut back.
Virtual Business Card Reviews and Limitations
What users like: Many business users like the added safety and control. Virtual cards help cut down fraud risk. They also make it easier to track spending.
Where it may fall short: Some users note limits with accounting tools. Not all virtual cards sync well with every software. We may need to check if it works with our current setup.
How it compares to consumer cards: Business virtual cards focus more on team control and spend tracking. Consumer cards focus more on personal safety and rewards. We should choose based on how we run our business.
Managing Your Capital One Virtual Cards
Viewing and Organizing Active Virtual Cards
Name each card so you know it fast: We can name every virtual card when we create it. Use simple names like “Netflix” or “Office Supplies.” This helps us spot it in seconds.
See charges by card: Each virtual card has its own list of charges. We can check where money went and when. This makes it easy to track bills and spot odd charges.
Find card details anytime: After we create a card, we can view the number, date, and code in our account. No need to dig through old emails. It’s all in one place.
Deleting or Canceling Virtual Cards
Delete a card in seconds: We can remove a virtual card right in the app or on the site. Once deleted, it can’t be used again. It’s that simple.
What happens to pending charges: If a charge is still pending, it may still post. But new charges will be blocked after we delete the card.
Deleted cards can’t come back: Once we delete a virtual card, it’s gone for good. If we need one again, we just create a new card.
Handling Refunds and Returns
Refunds still work: Even if we delete a virtual card, refunds can still go through. We don’t lose our money.
Credits show on the main account: The refund will post to our main card account. It shows up like any other credit.
Refund timing: Most refunds take a few days to post. The timing depends on the store, not the virtual card.
Updating Expired Virtual Cards
Virtual cards do expire: Each virtual card has an end date. This adds extra safety.
They don’t auto renew: When a virtual card expires, it won’t refresh on its own. Charges will fail after that date.
Create a new card and update the store: If we still want the service, we create a new virtual card. Then we update the payment info with the merchant.
Virtual Cards vs. Digital Wallets: What's the Difference?
Many people mix up virtual cards and digital wallets. We get it — they both live on your phone. But they work in very different ways. One helps you pay in stores with your phone. The other helps protect your card number online. Here’s how each one works and when to use them.
How Digital Wallets Work (Apple Pay, Google Pay, Samsung Pay)
Digital wallets like Apple Pay, Google Pay, and Samsung Pay store your real card in a secure way. When you add your physical card, the wallet creates a token. That means your actual card number is not shared at checkout.
You can tap your phone or watch to pay in stores. It works just like contactless cards. Online, you can only use it at sites that accept Apple Pay or similar options.
In short, digital wallets are built for fast, in-person payments with extra security.
How Capital One Virtual Cards Work Differently
Capital One virtual cards work in a different way. Instead of using your real card number, they create a separate, temporary card number for online shopping.
These virtual numbers can be used at almost any online store — not just ones that accept a certain wallet. Each virtual card can be locked, replaced, or deleted without affecting your main card. That gives you more control if a site is hacked or you want to stop a subscription.
One key limit: virtual cards can’t be used for tap-to-pay in stores.
Potential Downsides and Limitations of Virtual Cards
Our virtual cards add strong online safety. But they are not perfect. We believe in being clear about the trade-offs so you know what to expect.
They Don’t Work for In-Person Payments
Virtual cards are built for online use. You can’t tap them at a store or use them where a card must be swiped or inserted. For in-store shopping, you’ll still need your physical card or a digital wallet.
Some Merchants May Not Accept Them
Most online stores accept virtual cards. But some do not. Car rental companies and hotels often need the actual card at check-in for deposit holds. In those cases, a virtual number may not work.
You Need to Track Your Subscriptions
Each virtual card can be tied to one store or service. That’s great for control. But you do need to remember which card is linked to which subscription. If you lose track, canceling or updating payments can take more time.
Common Mistakes to Avoid with Capital One Virtual Cards
Our virtual cards are simple to use. But small mistakes can cause big headaches. We want you to get the full benefit without the stress. Here are the most common errors to avoid.
Deleting a Card Too Soon
If a charge is still pending, don’t delete the virtual card yet. Wait until the payment fully clears. This helps avoid delays with refunds or follow-up charges.
Using One Virtual Card for Everything
It may feel easier to use one virtual card across many sites. But that defeats the purpose. If one site is hacked, that same number is now exposed everywhere. We suggest using a separate virtual card for each merchant.
Not Saving the Card Details
When you create a virtual card, save the details in a secure place. If you need to update billing info later, you’ll want easy access to that number.
Not Locking Cards to a Merchant
If the option is available, lock the virtual card to one merchant. This adds another layer of control, especially for subscriptions. It helps block surprise charges from other sites.
Thinking It Works in Stores
Virtual cards are for online use only. They won’t work for tap-to-pay or card-present purchases. For in-store payments, use your physical card or digital wallet instead.
Is Capital One's Virtual Credit Card Feature Free?
Yes. Capital One virtual cards are free to create and free to use.
There are no added fees for generating virtual card numbers. You can create as many as you need for online shopping or subscriptions. There’s no extra charge tied to the feature itself.
You’ll only pay the normal costs tied to your credit card, like your APR, annual fee (if your card has one), or any late fees. The virtual card feature does not change your standard card terms.
Security and Privacy: How Safe Are Capital One Virtual Cards?
Encryption and Secure Transmission
Same strong encryption as physical cards: Virtual card numbers use the same high-level encryption as regular cards. Your data is locked down from the start.
Safe use in the app and browser tool: When you create or use a virtual card in the Capital One app or browser extension, the data moves through secure channels. That helps block hackers and fake sites.
Meets PCI data safety rules: Capital One follows strict PCI data security standards. That means your card info is handled under industry rules built to protect payment data.
What Happens If a Virtual Card Number Is Stolen?
Delete the card in seconds: If you spot fraud, you can remove the virtual card right in the app. It’s fast and simple.
Merchant-locked means limited risk: Many virtual cards are tied to one store. Even if someone gets the number, they can’t use it anywhere else.
Your real card stays protected: Your physical card number is never shared with the store. So your main account stays safe.
No liability for fraud: You’re covered by Capital One’s zero fraud liability policy. If a charge isn’t yours, you won’t pay for it.
How to Use Capital One Virtual Cards: Step-by-Step Walkthrough
Step-1: Check eligibility: Confirm your Capital One card supports virtual numbers
Step-2: Access Eno: Open Capital One mobile app or install browser extension
Step-3: Create virtual card: Choose merchant-specific or general-use
Step-4: Lock to merchant (recommended): Enter merchant name for subscription safety
Step-5: Copy card details: Virtual number, CVV, expiration date
Step-6: Complete purchase: Enter at checkout like regular card
Step-7: Manage ongoing: Track in app, delete when no longer needed
Capital One Virtual Cards vs. Competitors
Capital One vs. Citi Virtual Account Numbers
Capital One and Citibank both offer virtual card tools tied to their credit cards. Citi’s feature is called Virtual Account Numbers. It lets you create a temporary card number for online shopping. You can even set a spending limit and an end date. That’s a strong control feature.
Capital One takes a different path. Instead of logging into your account each time, you can use Eno, their browser add-on. It pops up at checkout and creates a virtual card for you in seconds.
Where Citi wins:
✅ You can set custom spend limits
✅ You can set expiration dates
Where Capital One wins:
✅ Faster checkout with Eno
✅ Easier to manage inside your browser
✅ Cleaner user experience
Capital One vs. American Express SafeKey
American Express offers SafeKey. But SafeKey is not a true virtual card number system. SafeKey adds an extra security check when you shop online. It helps prevent fraud. But it does not create a new card number like Capital One does.
With Capital One, you get a brand-new virtual number for each merchant. That adds a layer of privacy.
What Amex offers:
✅ Strong fraud alerts
✅ Extra identity checks
What Capital One offers:
✅ New card numbers for each store
✅Less risk if a merchant gets hacked
Frequently Asked Questions About Capital One Virtual Credit Cards
Can I use Capital One virtual cards internationally?
Yes. You can use them anywhere your Capital One card is accepted online — even with stores in other countries. Just make sure the site takes card payments like Visa or Mastercard.
Do virtual cards have the same credit limit as my physical card?
Yes. A virtual card pulls from the same credit line as your main card. It doesn’t give you extra credit. Any charge you make goes toward your normal balance.
Can I create a virtual card before my physical card arrives?
In many cases, yes. If your account is set up and ready to use in the Capital One app, you may be able to create a virtual card right away and start shopping online before your plastic card shows up.
What if the merchant requires the name on the card?
Use your own name — the same name on your Capital One account. That’s the name tied to your virtual card number.
Can I use virtual cards for recurring billing with variable amounts?
Yes. They work for monthly bills like streaming, food delivery, or ride apps — even if the charge changes each month. It works like your regular card.
How many virtual cards can I have active at once?
Capital One lets you create multiple virtual cards for different stores. There’s a limit, but most people won’t hit it. You can also lock or delete cards you no longer use.
Will using virtual cards affect my credit score?
No. Using a virtual card is the same as using your regular card. Your credit score depends on how you manage your account — like paying on time and keeping your balance low.
Can I share a virtual card number with family members?
You can, but be careful. Anyone with the number can spend on your account. If you want to give someone access, it may be safer to add them as an authorized user instead.
