Virtual Credit Card Safety Checker
Before you pay for a virtual credit card, answer 10 quick questions about the offer. This checker scores it from 0 to 100 and gives you a clear red, amber or green verdict with the exact steps to take next.
Question 1 of 10
Score: 0
0
Safety score out of 100
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What we found
Your next steps
This tool gives guidance, not legal or financial advice. When in doubt, contact your bank directly using the phone number printed on your real card.
How to use
- Look at the virtual card offer or website you are unsure about.
- Answer each of the 10 questions honestly with Yes or No.
- Read your score, the verdict and the next steps before you pay anything.
Tips
- Real banks and licensed issuers never ask for your CVV or OTP over chat, calls or SMS.
- A real offer has a legal page with a company name, address and contact details — check them before paying.
- Promises of a huge credit limit with zero checks and pressure to pay a fee now are classic scam signs.
- The safest virtual cards come from your own bank or a well-known licensed provider.