Virtual card. Real benefits.

Yes, you’ll still earn credit card rewards as you normally would on any transactions made with your virtual cards. This also means you can start earning toward your Early Spend Bonus by shopping online with your virtual card—even before receiving your physical card in the mail.

Yes, eligible Capital One cardholders can have multiple virtual cards associated with a single credit card account. You can have one virtual card for general use at any online merchant accepting virtual cards, and you can also create multiple merchant-specific virtual cards that can only be used at the designated website.

No, Capital One virtual cards are generally meant for online use only. They can’t be added to digital wallets for tap-to-pay use in physical stores.

Yes, virtual cards expire. Each virtual card you create will have its own 16-digit card number, security code and expiration date. You can even set some merchant-specific virtual cards to expire after a single use.

Yes, you can track purchases made with a virtual card the same way you’d track purchases made with your credit card. Remember, virtual cards are linked to your credit card account, so any purchases you make with a virtual card will show up in your recent transactions along with any other credit card transactions.

Yes, you can lock or fully delete a virtual card without impacting your credit card account. After signing in to your online account, select your credit card and then select Virtual Card Manager. From there, you can view and manage all of the virtual cards associated with your credit card.

You can use virtual cards for online shopping with most merchants. But some merchants might not accept payment with virtual cards. General-use virtual cards can be used at any website that accepts them, but you can also create merchant-specific virtual cards—those can only be used on one specific merchant’s website.

No, a virtual card isn’t the same as a virtual gift card. Although they can both be used for online shopping, their source of funds differs.

A virtual card is linked with your credit card account. Any purchases made with your virtual card go against your credit card’s available credit and appear with any other credit card purchases in your transaction history. A gift card, on the other hand, is a prepaid card. Purchases made with a gift card decrease the card’s available funds. A virtual gift card is simply a digital version of a gift card—it’s a code that can be entered online, rather than a physical card that can be swiped or scanned in stores.

Yes, both account managers and authorized users on a Capital One credit card account can access and manage virtual cards created for them, as long as they’re enrolled in online account access. But only the primary account holder and account managers have the ability to create virtual cards. And once a virtual card is created, its number can only be viewed by the user it was created for.