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You’ll want to weigh a variety of factors when choosing the best virtual card. First, consider the card’s rewards, annual fees, welcome bonus, other perks and virtual card capabilities. You should know that virtual credit cards impact your credit score in the same way a standard card — you’re still liable for missed payments and interest charges.
Virtual credit cards come in handy if security is a primary concern, as they minimize fraud risk. But there are limitations to keep in mind, such as not being able to use a virtual credit card number for in-person transactions (though some payment portals allow you to pay by app).
