Is There a Bank of America Virtual Credit Card? The Answer
In an era marked by heightened online security concerns, virtual cards have emerged as a safe and convenient payment method. They mask your actual card numbers with randomly generated ones, fortifying your defense against potential cyber threats. Recently, virtual cards have become immensely popular, and, realizing their potential, many banks and fintech companies have started issuing them.
This article will explore whether it’s possible to get a Bank of America® virtual credit card. Read on to discover the answer as well as some alternative ways to shop safely with your Bank of America card.
The provided information is valid as of September 2023. Visit the official Bank of America website or contact the bank directly for the latest updates.
Does Bank of America Offer Virtual Credit Card Numbers?
No, Bank of America doesn’t issue virtual cards in the traditional sense, but it does provide other digital payment options that serve a similar purpose.
For example, it offers Virtual Travel Cards for businesses. These are disposable virtual account numbers generated for each purchase. Virtual Travel Cards enable managers to optimize their travel programs, implement stronger controls, and create fast and accurate expense reports with enriched transaction data.
Bank of America customers looking for a personal virtual card solution can access the following alternatives:
- Digital wallet integration
- Click to Pay
Digital Wallet Integration
By adding their physical Bank of America cards to a digital wallet app, the user can access digital versions of the cards from their mobile device, such as a smartphone or smartwatch. Instead of having to carry a plastic card with them, the user can pay with the chosen device at checkout.
Digital wallets enhance the security of transactions as they never store the real card data on the user's device or share it with merchants. Even if the device is stolen, the thief can’t access the digital wallet since it requires authentication in the form of a passcode, fingerprint scan, or facial recognition.
Bank of America also has a $0 Liability Guarantee, which ensures users aren’t responsible for any unauthorized charges on their cards, provided they report the issue timely.
Some of the digital wallet options that Bank of America supports include:
- Google Pay™
- Apple Pay®
- Samsung Pay®
- Fitbit Pay™
- Garmin Pay™
The user needs to set up their digital wallet first, after which they can use it to make purchases at participating vendors online, in-app, or in a physical store. If they connect a debit card, they may also use the wallet to withdraw cash or make deposits at an ATM.
How To Set Up and Use a Digital Wallet
Payment cards can be added to a digital wallet via the Bank of America Mobile App or directly in the digital wallet app.
The wallet can typically be used in the following ways: