Best US Virtual Credit Cards of December 2024

The Divvy Card is a corporate credit card.

The Divvy Card earns 1-7x rewards, but it doesn't offer a sign-up bonus.

Points can be redeemed for travel, gift cards, statement credits or cash back.

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The Citi® Double Cash Credit Card offers a few concrete ways in which you can better your financial situation, improve your credit card habits and enjoy cash back rewards without the fuss of tracking rotating categories. Earn $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.

Earn 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.

The Citi® Double Cash offers a 0% percent introductory APR offer on balance transfers (19.24% to 29.24% variable APR after).

The Citi Double Cash extends a myriad of security and fraud protections.

The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 18.74% - 29.74% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $300 statement credit after spending $3,000 on the new card within the first six months of card membership.

The Chase Freedom Flex card offers Cash Back in a wide variety of categories.

You’ll earn 5% Cash Back on travel (through the Chase Ultimate Rewards travel service, and also for Lyft rides). You’ll also get 3% Cash Back on restaurant purchases, on drugstore purchases and 1% Cash Back on all other purchases.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

The card offers a 15-month 0% annual percentage rate for purchases and balance transfers, after which the APR is 20.49% - 29.24% Variable. The card charges no annual fee but 5%, or a $5 minimum fee, on balance transfers.

The Chase Freedom Unlimited® Credit Card offers 0% introductory APR period (20.49% to 29.24% Variable after that) and a sign-up bonus that’s worth far more than most Cash-Back cards offer — all for an annual fee of $0.

The card offers 5% back on travel booked through Chase, 3% Cash Back on restaurants and drugstore purchases and 1.5% back on other purchases.

Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.

The American Express® Gold Credit Card's annual fee is $250. The card offers 4x points on dining (at restaurants worldwide, plus takeout and delivery in the U.S.) and groceries (at U.S. supermarkets on up to $25,000 in purchases per year), 3x on flights (booked directly with airlines or on amextravel.com) and 1x on all other purchases.

The Card's variable APR is 20.74% - 28.74%.

As a new cardholder, you have the chance to earn an impressive 100,000 Membership Rewards Points after spending $6,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art.

Receive 20% Back in Statement Credits on eligible purchases made at restaurants worldwide within the first 6 months of Card Membership, up to $100 back.There are no foreign transaction fees with this travel card.

Add your Gold Credit Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.

Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Credit Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.

The Chase Sapphire Preferred® Credit Card offers 5x points on travel (purchased through Chase Ultimate Rewards®, excluding hotel purchases that qualify for the $50 Anniversary Hotel Credit), 3x on dining, online grocery purchases and select streaming services, 2x on travel.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when redeemed through Chase Ultimate Rewards®.

The Chase Sapphire Preferred® has a $95 annual fee. The card’s variable APR is 22.49% to 29.49%.

My Chase PlanSM Fee is 1.72% (monthly fee) of the amount of each eligible purchase transaction or amount selected to create a My Chase Plan. The My Chase Plan Fee will be determined at the time each My Chase Plan is created and will remain the same until the My Chase Plan is paid in full.

The Citi Simplicity® Credit Card is a no annual fee card that can be utilized for balance transfers and ultimately paying off debt. The card does not offer a rewards program

The Citi Simplicity® Card offers an introductory 0% Intro APR on purchases for 12 months. Additionally, the card offers 0% Intro APR on balance transfers for 21 months from the date of the first transfer. After that, the APR will be 19.24% – 29.99%, based on your creditworthiness.

The card has a balance transfer fee of $5 or 5 percent of the amount of each transfer, whichever is greater. Balance transfers must be completed within four months of opening the account. If you miss a payment, there is no late fee or penalty APR.

The Card's Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card.

Identity theft can happen to anyone. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track.

The Capital One VentureOne Credit Card offers 1.25x miles per dollar on every purchase, plus 5x miles per dollar on hotels and rental cars booked through Capital One Travel.

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening. The card also offers a 0% intro on purchases and balance transfers for 15 months, 19.99% - 29.99% variable APR applies after that.

The Card doesn't charge an annual fee. The card has a balance transfer fee of 3%. After that, 4% of the amount of each transferred balance that posts to your account at a promotional APR (none for transferred balances at the Purchase APR after the first 15 months that your account has been open).

The Citi Premier® Credit Card gives you a bonus of 75,000 ThankYou points if you spend $4,000 on your card within three months of account opening.

The Citi Premier® Card's APR: 21.24% - 29.24% (Variable). The APR for Cash Advances: 29.99% (Variable). The card's Penalty APR is 29.99%.

For a $95 annual fee, the Citi Premier® card has a strong value proposition for those with large amounts of spending across a wide variety of categories. The Citi Premier card earns 3x points per dollar at restaurants, supermarkets, gas stations, air travel and hotels; 1x points on all other purchases.

Once each calendar year, you get $100 off of a single $500+ hotel stay that you book through thankyou.com.

You’ll have access to Citi Identity Theft Solutions, which offers personalized assistance when you’re a victim of identity theft. This service will help keep an eye on your TransUnion credit report and advise you on how to proceed if your information has been compromised.