What is an American express virtual card and how to get it?

The American Express virtual card is a MasterCard card, which you can manage and refill online, without any need to print anything. It’s the most convenient way to control your expenses on the Internet.

American Express virtual card is a kind of replacement for an EMV-chip credit or debit card from American Express, which is used more and more often in online shopping.

You can purchase a virtual card with any AmEx credit or charge card issued by American Express Centurion Bank, American Express Bank, or New York Branch of American Express Company. You will need an e-mail address associated with the AmEx account from which you want to activate your virtual card, as well as your current physical card’s number, issue date and CVV2 code.

It is important to note that the virtual credit cards are linked to an AmEx account but they are not accepted by some online shops because of the fact, that it is only a replacement for an American Express card with an EMV-chip.

Even if you use your virtual card to make purchases in the online store, your purchase will be completed in the same way as when you make an offline purchase. You will need to sign a paper receipt or confirm it by typing the CVV2 number (the last three digits on the signature strip of your physical credit card).

There are some fees when using virtual cards, so before purchasing it, you should familiarize yourself with the list of fees below.

The first time you activate an American Express virtual credit card, you will be charged $5.00 (plus your usual fees according to your AmEx account terms), and for each following refill all the next times, you will be charged $0.50 (plus your usual fees according to your AmEx account terms).

If you are an AmEx client, but not a member of the program Membership Rewards, you will be charged $1.00 for each American Express virtual card purchase on top of all other applicable charges/fees.

A fee of 2.7% (+ $0.30) of the purchase amount will be charged for each online American Express virtual card refill, plus any applicable fees according to your AmEx account terms.

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