Navigating the world of online shopping requires careful consideration of security, especially when dealing with credit cards. While Verified by Visa (VBV) was once a standard for secure online payments, many merchants and card issuers are moving away from it due to usability issues and the rise of more robust fraud protection measures. This article details five excellent credit cards suitable for online transactions and e-commerce purchases, even if they don’t rely on VBV. We’ll cover benefits, security features, and things to consider before applying.
Why Choose a Non-VBV Card?
VBV, while intended to add a layer of security, often created friction during checkout, leading to abandoned carts. Modern fraud protection systems, coupled with features like virtual card numbers and robust issuer monitoring, often provide superior security without the inconvenience. Furthermore, some regions have limited VBV availability, making non-VBV options essential.
Key Considerations Before Applying
Before applying for any credit card, assess your spending habits and financial situation. Understand the APR (Annual Percentage Rate), annual fee (if any), and credit limit offered. Consider if the rewards structure – cashback, travel rewards, or other perks – aligns with your needs. Always prioritize cards with strong fraud protection.
Top 5 Non-VBV Credit Cards
-
Discover it® Cash Back
Benefits: Rotating 5% cashback categories, 1% on all other purchases. Excellent purchase protection and fraud protection. No annual fee. Discover utilizes advanced algorithms to detect and prevent online fraud.
Security: Offers virtual card numbers for added security during online shopping. Strong card security code (CVV) verification.
-
Capital One Quicksilver Cash Rewards Credit Card
Benefits: Unlimited 1.5% cashback on all purchases. Simple rewards structure. Capital One provides robust fraud protection and online transaction monitoring.
Security: Capital One’s Eno virtual assistant can alert you to potential fraud. Utilizes advanced payment gateway security protocols.
-
Chase Freedom Unlimited®
Benefits: 1.5% cashback on all purchases, plus bonus rewards on travel and dining. Strong purchase protection and fraud protection. Can be combined with other Chase cards for enhanced travel rewards.
Security: Chase offers fraud protection and monitors for suspicious activity. Supports contactless payments and integration with digital wallets.
-
American Express® Blue Cash Everyday® Card
Benefits: 3% cashback at U.S. supermarkets, 2% at U.S. gas stations, and 1% on other purchases. American Express is known for its excellent customer service and fraud protection.
Security: American Express employs sophisticated fraud protection systems and offers virtual card numbers. Strong card security code (CVV) verification.
-
Citi® Double Cash Card
Benefits: 2% total cashback on all purchases – 1% when you buy, and 1% when you pay. Simple and straightforward rewards program. Citi provides robust fraud protection.
Security: Citi offers fraud protection and monitors online transactions for suspicious activity. Supports contactless payments and integration with digital wallets.
Alternative Payment Methods
Consider using alternative payment methods like PayPal, Apple Pay, or Google Pay, which often add an extra layer of security and don’t rely on VBV. These services often mask your actual credit card details from the merchant.
Staying Safe Online
Regardless of the credit card you choose, practice safe online shopping habits: Use strong, unique passwords, shop on secure websites (look for “https” in the address bar), and regularly monitor your account for unauthorized activity. Be wary of phishing scams and never share your card security code (CVV) via email or text.
About the Author
Excellent article! It
This is a really helpful overview, especially for those of us who