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money management

June 23, 2022 |6 min read


BENEFITS OF SHOPPING ONLINE WITH VIRTUAL CARDS


FROM ENHANCED SECURITY TO EASE OF USE, VIRTUAL CARDS OFFER A NUMBER OF
ADVANTAGES FOR FREQUENT ONLINE SHOPPERS.

June 23, 2022 |6 min read

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There’s a good chance you’ve been spending more time shopping online from the
comfort of your home recently. While there are many benefits of purchasing
everything from housewares to groceries online, it’s important to consider more
secure ways to pay. Not all online checkout options offer the same level of
protection. That’s why choosing to use a virtual card from Capital One when you
check out online is a smart decision.

Did you know you can use virtual cards with most Capital One credit cards?
Virtual cards provide you with added benefits that allow you to shop more easily
and more securely online. 


WHAT IS A VIRTUAL CARD?

A virtual card acts like a stand-in for your actual credit card and lets you pay
anywhere you shop online. Like a conventional credit card, a virtual card has
its own 16-digit card number, expiration date and CVC security number. Every
virtual card is linked to your actual credit card account, and all charges will
show up on your credit card account statements as they normally would.


BANKING IN THE PALM OF YOUR HAND

Get the secure Capital One Mobile app to save time and stay informed.

Learn More


HOW VIRTUAL CARDS MAKE ONLINE SHOPPING A BREEZE

There are several reasons why you’d want to use a virtual card from Capital One
as your preferred payment method. Here’s a look at three ways using virtual
cards makes spending online easier and more secure. 

1. SECURITY

Virtual cards let you make purchases online without sharing your actual credit
card number with merchants.  

2. CONVENIENCE

It’s nice to be able to make a purchase at any time—even when you don’t have
your wallet with you. With the Capital One Mobile app, you can access your
virtual cards anytime, anywhere. In some cases, you can have your virtual card
numbers automatically filled in at checkout. Plus, your virtual cards will
continue to work even if you need to replace your physical card and your actual
card number changes. Put a virtual card on file for all your subscriptions or
recurring charges, and you won’t have to deal with the hassle of updating your
payment info if your actual card number changes—now that’s convenient! 

3. CONTROL

For added control over your online shopping experience, you can lock or unlock
your virtual cards at any time without affecting your other spending.  


SMART WAYS TO USE A VIRTUAL CARD

You may be surprised by the many ways you can use virtual cards. Here are a few
examples:

 * Streaming services such as Twitch, Netflix, Hulu, Disney+ and more.
 * Meal delivery subscriptions such as Uber Eats, HelloFresh and Blue Apron. 
 * Personal care deliveries such as cosmetic or hair care subscriptions.  
 * On file at places you shop at the most such as Amazon, Etsy, Walmart and
   Target. 
 * Unfamiliar or infrequently visited sites—to disguise your actual card number.


TYPES OF VIRTUAL CARDS FROM CAPITAL ONE

Right now, Capital One offers two types of virtual cards to customers. 

 * A virtual card for universal use
 * Virtual cards for specific stores

VIRTUAL CARD FOR UNIVERSAL USE

A virtual card for universal use can be used over and over anywhere you shop or
pay online. This virtual card stands in for your actual credit card number and
is available 24/7 from the Capital One Mobile app or online after you sign in to
your Capital One account. 

If you regularly shop online or have recurring charges or subscriptions, a
virtual card for universal use has many advantages:

 * Instant access: As a new credit card customer, you may be able to start
   spending and earning rewards as soon as you’re approved, without having to
   wait for your physical card to arrive in the mail. 
 * Lost/stolen replacement card: In the event your physical credit card is lost
   or stolen, your virtual card will continue to work. 
 * Easy checkout: Save your virtual card to your favorite online stores so you
   can check out without your physical card.

To access your virtual card for universal use, follow these steps: 

 1. Log in to the Capital One Mobile app or sign in to your Capital One
    account online. 
 2. Under your credit card balance, tap Get Your Virtual Card. Not seeing this
    button? Tap on your credit card account and under Recent Transactions, tap
    Virtual Card.
 3. After a quick security check, you’ll see the key card details you need to
    check out online: your virtual card number, expiration date and three-digit
    security code.

VIRTUAL CARDS FOR SPECIFIC STORES

Virtual cards for specific stores offer a more secure way to shop at your
favorite online destinations. You can have your virtual card numbers
automatically filled in at checkout, giving you the ability to pay with fewer
clicks. Virtual cards for specific stores are available through the Eno browser
extension and Google Chrome and Android apps using Google Pay, providing ease of
use on different devices. Through an exciting collaboration with Google, Capital
One cardholders can seamlessly save and access a new virtual card quickly and
easily via autofill anytime they’re checking out online. 

Up your security game and enjoy these benefits when you use a virtual card for a
specific store. 

 * Added security: Each store gets a unique virtual card number that links back
   to your Capital One credit card account, adding another layer of security. 
 * Faster transactions: Check out online from anywhere, even when you don’t have
   your wallet or physical card. Plus, the Eno browser extension and Google
   Chrome and Android apps using Google Pay can automatically enter a
   store-specific virtual card number into the payment fields.  
 * Set it and forget it: The virtual cards you create will keep working even if
   you get a new physical credit card, so you won’t need to manually update your
   card information on the sites where you’ve stored one.
 * Better management: You can lock, unlock or delete a virtual card at any time
   for added control over your shopping experience, all without affecting your
   other spending.

To use a virtual card for a specific store, follow these steps: 
Right now, you can use a virtual card for a specific store on Google Chrome and
Android apps using Google Pay and with the Eno browser extension on your laptop
or desktop.

 * On Google Chrome and Android apps: 
   * Add your card to Google Pay.
   * Shop online using your Google Chrome browser or in Android apps. 
   * When you’re ready to check out, select the option to pay with a virtual
     card from the autofill dropdown menu. It’s that easy!
 * With the Eno browser extension: 
   * Add Eno to your browser. 
   * Once installed, sign in to the Eno browser extension and enroll with a
     Capital One credit card to get started.
   * Once you’re signed in, Eno pops up when you’re on a checkout page and
     generates a virtual card for a specific store that is linked to your credit
     card account.
   * Eno saves your virtual cards for future payments, and all charges will show
     up on your credit card account statements as they normally would. 


BECOMING A CAPITAL ONE CUSTOMER 

With virtual cards, feel safer shopping online without exposing your actual
credit card number– all with added convenience and flexibility. If you don’t
have a Capital One credit card, see which one might be right for you.



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We hope you found this helpful. Our content is not intended to provide legal,
investment or financial advice or to indicate that a particular Capital One
product or service is available or right for you. For specific advice about your
unique circumstances, consider talking with a qualified professional.

Capital One does not provide, endorse or guarantee any third-party product,
service, information, or recommendation listed above. The third parties listed
are solely responsible for their products and services, and all trademarks
listed are the property of their respective owners.

Some customers will not be eligible to access a virtual card. If you are
eligible, you must verify your identity before accessing your virtual card. In
some cases, you will not be able to access your virtual card until approximately
30 days after account opening. Web access is needed to manage your virtual card
number online or in the Mobile app. Virtual cards may not be accepted by all
merchants. Virtual cards are not available for debit cards and some credit
cards.

Eligible customers can also use virtual cards through Google Pay or via the Eno
browser extension. Virtual cards through Google Pay are currently available in
Chrome for desktop computers (Mac, Windows and Linux), Chrome for Android, and
via merchant apps running in the Android OS. Additional availability may be
added in the future, including Chrome for iOS. The Eno extension is available
only for certain web browsers and enrollment is required.

June 23, 2022 |6 min read

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